Seller

Alt Loan ID

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

20250906338

XXXX

XXXX

XXXX

Closed

2024-05-17 15:03

2025-02-19 15:50

Waived

2 - Non-Material

Property

Missing Doc

File does not contain all required valuation documents

Waived-Exception received to use AVM product. - Due Diligence Vendor-02/19/2025 Acknowledged-Exception received to use AVM product. - Due Diligence Vendor-05/28/2024 Ready for Review-Document Uploaded. PFA Exception form attached  - Exception to use XXXXXXXXX (formerly XXXXX XXXXXX) product for AVM. - Note this product added in XX/XX/XXXX guideline - Buyer-05/24/2024 Open-Lender Guidelines require the AVM used for primary valuation to be selected from a list of approved vendors. The AVM provided in the loan file is not on the approved list. - Due Diligence Vendor-05/17/2024

Waived-Exception received to use AVM product. - Due Diligence Vendor-02/19/2025  Acknowledged-Exception received to use AVM product. - Due Diligence Vendor-05/28/2024

XXXXXXXXXX XXXXXXXXXX Exception Form.pdf

Total Debt 10% of more under requirement Residual income of $XX or more Long term employment (over 5 years) Minimal consumer debt

XX

Primary Residence

Refinance

Cash Out - Other

1697695

Originator Pre-Close

Yes

XXXX

20250906338

XXXX

XXXX

XXXX

Closed

2024-05-16 17:46

2024-05-28 17:40

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/28/2024 Ready for Review-Document Uploaded. PFA Flood Ins policy - Buyer-05/23/2024 Open-Missing Flood Insurance Policy. - Due Diligence Vendor-05/16/2024

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/28/2024

Flood policy.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1693718

N/A

N/A

XXXX

20250906338

XXXX

XXXX

XXXX

Closed

2024-05-16 17:52

2024-05-17 15:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. “This finding will be rated a C for S&P. All other agencies will be rated as A.” - Due Diligence Vendor-05/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. “This finding will be rated a C for S&P. All other agencies will be rated as A.” - Due Diligence Vendor-05/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

1693748

Investor Post-Close

No

XXXX

20250906269

XXXX

XXXX

XXXX

Closed

2024-08-28 17:21

2024-09-04 14:36

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved- - Due Diligence Vendor-09/04/2024 Resolved- - Due Diligence Vendor-09/04/2024 Resolved-Document provided in conditions. Resolved.  - Due Diligence Vendor-09/04/2024 Resolved- - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. Please find the attached CD dated XX/XX/XXXX for the loan. - Buyer-09/04/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing the CD that was provided XX/XX/XXXX per the Disclosure Tracking Summary. - Due Diligence Vendor-08/28/2024

Resolved-  - Due Diligence Vendor-09/04/2024  Resolved-  - Due Diligence Vendor-09/04/2024  Resolved-Document provided in conditions. Resolved.  - Due Diligence Vendor-09/04/2024  Resolved-  - Due Diligence Vendor-09/04/2024

CD.pdf CD 1.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2270527

N/A

N/A

XXXX

20250906269

XXXX

XXXX

XXXX

Closed

2024-09-04 14:29

2024-09-04 14:36

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Received At Least Four Business Days Before Consummation

Resolved-Entry Error - Due Diligence Vendor-09/04/2024 Resolved-Resolved - Due Diligence Vendor-09/04/2024 Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of  (XX/XX/XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XX/XX/XXXX). (12 CFR 1026.19(e)(4)(ii))   - Due Diligence Vendor-09/04/2024

Resolved-Entry Error - Due Diligence Vendor-09/04/2024  Resolved-Resolved - Due Diligence Vendor-09/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2304963

N/A

N/A

XXXX

20250906269

XXXX

XXXX

XXXX

Closed

2024-09-04 14:29

2024-09-04 14:36

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date

Resolved-Entry Error. - Due Diligence Vendor-09/04/2024 Resolved-Resolved - Due Diligence Vendor-09/04/2024 Open-The Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after (XX/XX/XXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii))   - Due Diligence Vendor-09/04/2024

Resolved-Entry Error. - Due Diligence Vendor-09/04/2024  Resolved-Resolved - Due Diligence Vendor-09/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2304962

N/A

N/A

XXXX

20250906269

XXXX

XXXX

XXXX

Closed

2024-08-28 17:54

2024-08-28 17:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2270892

Investor Post-Close

No

XXXX

20250906334

XXXX

XXXX

XXXX

Closed

2024-08-28 18:41

2024-12-10 18:17

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Lender provided approved exception dated post origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2024 Ready for Review-Document Uploaded. PFA exception form for AVM FSD 13 with updated compensating factors using future guideline dated XX/XX/XXXX - Buyer-09/18/2024 Open-Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 0.13. Lender provided approved exception dated prior to origination, however, the compensating factors do not align with the guideline requirements. The guidelines require 3 compensating factors to be considered for an exception. Lender provided Fico 20 points above requirement, Residual income of $Xk or more and long term home ownership (over 5 years). However, Guidelines require residual income of 2x monthly debts, which was not met. Guidelines require 36+ months 0X30 housing payment history, which the credit report only reports 15 months 0X30. There was no housing history between XX/XXXX to XX/XXXX. Therefore, the compensating factors are invalid. - Due Diligence Vendor-08/28/2024

Waived-Lender provided approved exception dated post origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2024

XXXXXXXXXX XXXXXXXXXX  Exception Form.pdf

1. DTI <5% below the Maximum Qualifying 2. Residual Income = 1.5x Monthly Debts 3. Employment for an extended period at the same job 4. Credit Score >/= 10+ Points more than qualifying 5. No derogatory events 6. Minimal debts / Revolving accounts

XX

Primary Residence

Refinance

Cash Out - Other

2271401

Investor Post-Close

No

XXXX

20250906334

XXXX

XXXX

XXXX

Closed

2024-08-28 18:44

2024-09-03 18:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2271442

Investor Post-Close

No

XXXX

20250906358

XXXX

XXXX

XXXX

Closed

2024-08-28 12:51

2024-09-04 15:18

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA third party Fraud Report with exclusionary Lists checked completed for all parties. - Buyer-09/03/2024 Open-All Interested Parties Not Checked with Exclusionary Lists  - Due Diligence Vendor-09/03/2024

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/04/2024

XXXXX XXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2267125

N/A

N/A

XXXX

20250906358

XXXX

XXXX

XXXX

Closed

2024-08-28 12:51

2024-09-04 15:18

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA third party Fraud Report with OFAC check completed for all parties. - Buyer-09/03/2024 Open-OFAC Check Not Completed and/or Cleared  - Due Diligence Vendor-09/03/2024

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-09/04/2024

XXXXX XXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2267126

N/A

N/A

XXXX

20250906358

XXXX

XXXX

XXXX

Closed

2024-08-28 12:51

2024-09-04 15:18

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA Third Party Fraud Report - Buyer-09/03/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/28/2024

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/04/2024

XXXXX XXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2267127

N/A

N/A

XXXX

20250906358

XXXX

XXXX

XXXX

Closed

2024-08-28 16:08

2024-09-03 19:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/03/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/03/2024

XX

Primary Residence

Refinance

Cash Out - Other

2269738

Investor Post-Close

No

XXXX

20250906329

XXXX

XXXX

XXXX

Closed

2024-08-29 10:42

2025-02-19 19:44

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of 49.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA Business tax returns(1120-S) for 2 years  - Buyer-09/03/2024 Open-Audited DTI of 59.9% exceeds Guideline DTI of 50% Audited DTI of 59.90% exceeds Guideline DTI of 50% due to audit calculated income based on available documents in loan file. Missing 1120-S and K-1s for self employment income.  - Due Diligence Vendor-08/29/2024

Resolved-Audited DTI of 49.81% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/04/2024

Business Tax Returns XXXX-XXXX with K1.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2274569

N/A

N/A

XXXX

20250906329

XXXX

XXXX

XXXX

Closed

2024-08-29 10:36

2024-09-04 16:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/04/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA business bank statement reflecting recent receipt dated 08/12/2024. - Buyer-09/03/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/29/2024

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/04/2024

VVOE-Business Bank Statements XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2274550

N/A

N/A

XXXX

20250906329

XXXX

XXXX

XXXX

Closed

2024-08-29 10:36

2024-09-04 16:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/04/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA business bank statement reflecting recent receipt dated 08/12/2024. - Buyer-09/03/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/29/2024

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/04/2024

VVOE-Business Bank Statements XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2274551

N/A

N/A

XXXX

20250906329

XXXX

XXXX

XXXX

Closed

2024-08-29 10:36

2024-09-04 16:17

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-09/04/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA business bank statement reflecting recent receipt dated XX/XX/XXXX verifying existence of borrowers business.  - Buyer-09/03/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements Loan file is missing third party verification to verify borrower and co borrower business. - Due Diligence Vendor-08/29/2024

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-09/04/2024

VVOE-Business Bank StatementsXX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2274552

N/A

N/A

XXXX

20250906329

XXXX

XXXX

XXXX

Closed

2024-08-29 10:36

2024-09-04 16:17

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/04/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA Business tax returns(1120-S) for 2 years  - Buyer-09/03/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Loan file is missing required 2 years of 1120-S and K-1s to calculate income - Due Diligence Vendor-08/29/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/04/2024

Business Tax Returns XXXX-XXXX with K1.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2274553

N/A

N/A

XXXX

20250906329

XXXX

XXXX

XXXX

Closed

2024-09-03 20:48

2024-09-04 16:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Tax Returns Missing

Resolved-Borrower 1 Business Tax Returns Provided - Due Diligence Vendor-09/04/2024 Open-Borrower 1 Business Tax Returns Missing - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA Business tax returns(1120-S) for 2 years - Buyer-09/03/2024 Open-Borrower 1 Business Tax Returns Missing Missing 2 years of 1120-S tax returns  - Due Diligence Vendor-09/03/2024

Resolved-Borrower 1 Business Tax Returns Provided - Due Diligence Vendor-09/04/2024

Business Tax Returns XXXX-XXXX with K1.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2301081

N/A

N/A

XXXX

20250906329

XXXX

XXXX

XXXX

Closed

2024-09-03 20:48

2024-09-04 16:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Business Tax Returns Missing

Resolved-Borrower 2 Business Tax Returns Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/04/2024 Open-Borrower 2 Business Tax Returns Missing - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA Business tax returns(1120-S) for 2 years - Buyer-09/03/2024 Open-Borrower 2 Business Tax Returns Missing Missing 2 years of 1120-S tax returns  - Due Diligence Vendor-09/03/2024

Resolved-Borrower 2 Business Tax Returns Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/04/2024

Business Tax Returns XXXX-XXXX with K1.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2301082

N/A

N/A

XXXX

20250906329

XXXX

XXXX

XXXX

Closed

2024-08-29 10:13

2024-09-04 16:14

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-2 years of K-1s provided in conditions - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded. PFA two year K1-Documents for both the borrowers. - Buyer-09/03/2024 Open-2 years of K-1 documents are missing in the file for both borrowers.  - Due Diligence Vendor-08/29/2024

Resolved-2 years of K-1s provided in conditions - Due Diligence Vendor-09/04/2024

Business Tax Returns XXXX-XXXX with K1.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2274468

N/A

N/A

XXXX

20250906329

XXXX

XXXX

XXXX

Closed

2024-08-29 10:11

2024-09-03 21:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/03/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/03/2024

XX

Primary Residence

Refinance

Cash Out - Other

2274456

Investor Post-Close

No

XXXX

20250906309

XXXX

XXXX

XXXX

Closed

2024-08-30 16:31

2025-02-18 13:49

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/03/2024 Ready for Review-Document Uploaded. PFA bank statement with sufficient funds to cover $XXXX.XX - Buyer-08/30/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . Provide verification of sufficient funds to cover $XXXX.XX balance monthly amount. - Due Diligence Vendor-08/30/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/03/2024

Bank statement.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2286587

N/A

N/A

XXXX

20250906309

XXXX

XXXX

XXXX

Closed

2024-08-28 15:57

2024-09-18 14:12

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy received.  Finding resolved. - Due Diligence Vendor-09/18/2024 Ready for Review-Document Uploaded. PFA HO-6 Master Insurance Policy - Buyer-09/18/2024 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-08/28/2024

Resolved-HO-6 Master Insurance Policy received.  Finding resolved. - Due Diligence Vendor-09/18/2024

XXXXXXXXXX XXX MASTER.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2269576

N/A

N/A

XXXX

20250906309

XXXX

XXXX

XXXX

Closed

2024-08-28 17:45

2024-09-03 16:43

Resolved

1 - Information

Credit

Missing Doc

Missing asset documentation - liquid assets

Resolved-Statement provided.  Finding resolved.  - Due Diligence Vendor-09/03/2024 Ready for Review-Document Uploaded. PFA bank statement listed on 1003.  - Buyer-08/30/2024 Open-Missing verification of assets listed on the final 1003.   - Due Diligence Vendor-08/28/2024

Resolved-Statement provided.  Finding resolved.  - Due Diligence Vendor-09/03/2024

Bank statement.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2270801

N/A

N/A

XXXX

20250906309

XXXX

XXXX

XXXX

Closed

2024-08-28 17:37

2024-08-30 16:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2270705

Investor Post-Close

No

XXXX

20250906290

XXXX

XXXX

XXXX

Closed

2024-09-06 15:32

2024-12-10 18:14

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Lender provided approved exception dated post origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2024 Acknowledged-Lender provided approved exception dated post origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/18/2024 Ready for Review-Document Uploaded. PFA exception form for AVM FSD 18 using future guideline dated 09/11/2024. - Buyer-09/18/2024 Open-Valuation product is deficient- FSD 18 > Guideline 12.5. Lender Exception is present in loan file; however, the compensating factors do not match guideline requirements. - Due Diligence Vendor-09/06/2024

Waived-Lender provided approved exception dated post origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2024  Acknowledged-Lender provided approved exception dated post origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/18/2024

XXXXXXXXXX XXXXXXXXXX Exception Form.pdf

1. CLTV <5% below the Maximum Qualifying 2. Income not used to qualify (bonus income) 3. No derogatory events

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2322373

Investor Post-Close

No

XXXX

20250906290

XXXX

XXXX

XXXX

Closed

2024-09-06 15:24

2024-09-06 15:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/06/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2322255

Originator Pre-Close

Yes

XXXX

20250906313

XXXX

XXXX

XXXX

Closed

2024-09-04 17:29

2024-09-04 17:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2307097

Investor Post-Close

No

XXXX

20250906289

XXXX

XXXX

XXXX

Closed

2024-09-05 15:08

2024-09-05 15:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2314105

Investor Post-Close

No

XXXX

20250906241

XXXX

XXXX

XXXX

Closed

2024-09-05 11:33

2024-09-09 19:07

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E consent received.  - Due Diligence Vendor-09/09/2024 Ready for Review-Document Uploaded. Please find the attached corrected E-consent. - Buyer-09/09/2024 Counter-E consent provided was signed after e-signed documents were received. - Due Diligence Vendor-09/06/2024 Ready for Review-Document Uploaded. Please find the attached E-consent. - Buyer-09/06/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s)  - Due Diligence Vendor-09/05/2024

Resolved-E consent received.  - Due Diligence Vendor-09/09/2024

XXXXXXXXXX- E-consent.pdf XXXXXXXXXX- E-consent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2311906

N/A

N/A

XXXX

20250906241

XXXX

XXXX

XXXX

Closed

2024-09-05 11:33

2024-09-05 17:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2311902

Investor Post-Close

No

XXXX

20250906227

XXXX

XXXX

XXXX

Closed

2024-09-04 20:14

2024-09-04 20:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2308842

Investor Post-Close

No

XXXX

20250906253

XXXX

XXXX

XXXX

Closed

2024-09-06 16:39

2024-09-06 16:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/06/2024

XX

Primary Residence

Refinance

Cash Out - Other

2323045

Originator Pre-Close

Yes

XXXX

20250906255

XXXX

XXXX

XXXX

Closed

2024-09-06 14:32

2024-12-10 18:18

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Exception received with acceptable compensating factors - Due Diligence Vendor-12/10/2024 Ready for Review-Document Uploaded. PFA updated exception form with correct compensating factor - Buyer-09/06/2024 Open-Guidelines, section 5.8. 4-5-7, require AVM FSD to be equal to or below 12.5 (87.50%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. No exception in file. The AVM in file had FSD of 0.14 (86.0%). Lender Exception in the loan file dated prior to consummation, compensating factors not validated. Long Term Home Ownership (over 5 years), borrower has owned the subject property for 4 years, 1 month. Residual Income of $XX or more, Lender Guidelines require residua Income to be 2 times the monthly debts. - Due Diligence Vendor-09/06/2024

Waived-Exception received with acceptable compensating factors - Due Diligence Vendor-12/10/2024

Exception From.pdf

1 - FICO 20 points above requirement - Guideline Requirement 700 - Actual 721 2 - Residual Income of $XX or more - Guideline requirement is 2 times monthly debts (Monthly Debt - $XXXX.XX; Residual Income - $X,XXX.XX) 3 - Long Term Home Ownership (over 5 years) - Guidelines do not reference this as an acceptable compensating factor. (Property owned for 4 years 1 month)

XX

Primary Residence

Refinance

Cash Out - Other

2321627

Investor Post-Close

No

XXXX

20250906255

XXXX

XXXX

XXXX

Closed

2024-09-06 13:56

2024-09-09 14:41

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/09/2024 Ready for Review-Document Uploaded. PFA credit statement of newly opened automobile debt listed on 1003. - Buyer-09/06/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of the new Automobile debt listed on the Final 1003. - Due Diligence Vendor-09/06/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/09/2024

Credit Statement.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2321186

N/A

N/A

XXXX

20250906255

XXXX

XXXX

XXXX

Closed

2024-09-06 14:05

2024-09-09 14:41

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Statement received.  - Due Diligence Vendor-09/09/2024 Ready for Review-Document Uploaded. PFA account statement of newly open account that is listed on 1003. - Buyer-09/06/2024 Open-Missing documentation of the new Automobile Debt as disclosed on the Final 1003. - Due Diligence Vendor-09/06/2024

Resolved-Statement received.  - Due Diligence Vendor-09/09/2024

Credit Statement.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2321287

N/A

N/A

XXXX

20250906255

XXXX

XXXX

XXXX

Closed

2024-09-05 12:40

2024-09-06 14:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2312372

Investor Post-Close

No

XXXX

20250906332

XXXX

XXXX

XXXX

Closed

2024-09-04 19:15

2024-09-06 15:35

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is not Missing - Due Diligence Vendor-09/06/2024 Ready for Review-Document Uploaded. PFA Title document - Buyer-09/06/2024 Open-Title Document is missing - Due Diligence Vendor-09/04/2024

Resolved-Title Document is not Missing - Due Diligence Vendor-09/06/2024

Title Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2308302

N/A

N/A

XXXX

20250906360

XXXX

XXXX

XXXX

Closed

2024-09-05 19:11

2025-02-19 16:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-Secondary valuation not required on second lien. - Due Diligence Vendor-02/19/2025 Acknowledged-Secondary valuation not required on second lien. - Due Diligence Vendor-02/19/2025 Open- - Due Diligence Vendor-02/19/2025 Acknowledged-Secondary valuation not required on second lien. - Due Diligence Vendor-02/19/2025 Acknowledged-Secondary valuation not required on second lien. - Due Diligence Vendor-09/09/2024 Ready for Review-Document Uploaded. PFA appraisal report which is used for valuation. No secondary product required as per guideline. - Buyer-09/06/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2024

Acknowledged-Secondary valuation not required on second lien. - Due Diligence Vendor-02/19/2025  Acknowledged-Secondary valuation not required on second lien. - Due Diligence Vendor-02/19/2025  Acknowledged-Secondary valuation not required on second lien. - Due Diligence Vendor-02/19/2025  Acknowledged-Secondary valuation not required on second lien. - Due Diligence Vendor-09/09/2024

Appraisal.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2316925

Investor Post-Close

No

XXXX

20250906363

XXXX

XXXX

XXXX

Closed

2024-09-05 16:21

2024-09-09 18:54

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/09/2024 Resolved-Initial AVM received. Initial valuation expired prior to close.  - Due Diligence Vendor-09/09/2024 Ready for Review-Document Uploaded. PFA AVM, whose value is reflecting on loan approval. This AVM expired at time of funding and therefore new AVM was pulled which reflect different value. - Buyer-09/06/2024 Open-Appraisal or other primary valuation product is missing Missing AVM reflecting value on the loan approval. AVM in file after Note date reflects different value.  - Due Diligence Vendor-09/05/2024

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/09/2024  Resolved-Initial AVM received. Initial valuation expired prior to close.  - Due Diligence Vendor-09/09/2024

AVM.pdf

XX

Investment

Refinance

Cash Out - Debt Consolidation

2315010

N/A

N/A

XXXX

20250906363

XXXX

XXXX

XXXX

Closed

2024-09-05 16:24

2024-09-05 16:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2024

XX

Investment

Refinance

Cash Out - Debt Consolidation

2315043

Investor Post-Close

No

XXXX

20250906248

XXXX

XXXX

XXXX

Closed

2024-09-04 18:45

2024-09-04 18:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2307942

Investor Post-Close

No

XXXX

20250906235

XXXX

XXXX

XXXX

Closed

2024-09-11 10:58

2024-09-11 11:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

XX

Primary Residence

Refinance

Cash Out - Other

2349653

Investor Post-Close

No

XXXX

20250906339

XXXX

XXXX

XXXX

Closed

2024-09-12 15:21

2024-09-12 15:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/12/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/12/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2361306

Investor Post-Close

No

XXXX

20250906238

XXXX

XXXX

XXXX

Closed

2024-09-11 20:17

2024-09-20 16:47

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001257)

Cured-PCCD. refund, Proof of Deliver and Letter of Explanation provided. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. Letter of Explanation has been sent to Borrower. Please refer to attached documents.  - Buyer-09/20/2024 Counter-Please provide Letter of Explanation. All other requirements satisfied. Condition maintained. - Due Diligence Vendor-09/18/2024 Ready for Review-Document Uploaded. Cure of $XX.XX has been added and Post CLose CD has been sent to Borrower. Refund of $XX.XX has been also sent to Borrower. Disclosure Tracking, Post Close CD and Copy of refund proof is attached for your reference.  - Buyer-09/18/2024 Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/11/2024

Cured-PCCD. refund, Proof of Deliver and Letter of Explanation provided. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/20/2024

XXXXXXXXXX-ach-receipt-XX/XX/XXXX-37b9.pdf XXXXXXXXXX - Disclosure Tracking.pdf XXXXXXXXXX - Post Close CD.pdf XXXXXXXXXX- LOE.pdf XXXXXXXXXX -Disclosure Tracking.pdf

XX

Investment

Refinance

Cash Out - Other

2356203

N/A

N/A

XXXX

20250906238

XXXX

XXXX

XXXX

Closed

2024-09-11 20:17

2024-09-20 16:46

Cured

2 - Non-Material

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001258)

Cured-PCCD. refund, Proof of Deliver and Letter of Explanation provided. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. Letter of Explanation has been sent to Borrower. Please refer to attached documents.  - Buyer-09/20/2024 Counter-Please provide Letter of Explanation. All other requirements satisfied. Condition maintained. - Due Diligence Vendor-09/18/2024 Ready for Review-Document Uploaded. Cure of $XX.XX has been added and Post CLose CD has been sent to Borrower. Refund of $XX.XX has been also sent to Borrower. Disclosure Tracking, Post Close CD and Copy of refund proof is attached for your reference.  - Buyer-09/18/2024 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/11/2024

Cured-PCCD. refund, Proof of Deliver and Letter of Explanation provided. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/20/2024

XXXXXXXXXX - Disclosure Tracking.pdf XXXXXXXXXX-ach-receipt-XX/XX/XXXX-37b9.pdf XXXXXXXXXX - Post Close CD.pdf XXXXXXXXXX -Disclosure Tracking.pdf XXXXXXXXXX- LOE.pdf

XX

Investment

Refinance

Cash Out - Other

2356202

N/A

N/A

XXXX

20250906238

XXXX

XXXX

XXXX

Closed

2024-09-10 19:52

2024-09-10 19:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

XX

Investment

Refinance

Cash Out - Other

2346524

Investor Post-Close

No

XXXX

20250906279

XXXX

XXXX

XXXX

Closed

2024-09-10 19:46

2024-09-16 20:22

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-. - Due Diligence Vendor-09/16/2024 Resolved-Received a copy of the initial LE dated XX/XX/XXXX and evidence it was provided. Finding cleared. - Due Diligence Vendor-09/16/2024 Ready for Review-Document Uploaded. Loan application date is XX/XX/XXXX and Intial Disclosures was sent to Borrower on XX/XX/XXXX hence Initial Disclosure delievered within 3 business day of Loan applicaiton. Borrower provided econsent on XX/XX/XXXX. Please refer the attached Disclosure tracking, Initial Disclosures and econsent.  - Buyer-09/13/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. Additional conditions may apply upon receipt. - Due Diligence Vendor-09/10/2024

Resolved-. - Due Diligence Vendor-09/16/2024  Resolved-Received a copy of the initial LE dated XX/XX/XXXX and evidence it was provided. Finding cleared. - Due Diligence Vendor-09/16/2024

XXXXX - Complete Disclosure Tracking.pdf XXXXX - Econsent.pdf XXXXX - Initial Disclosure XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2346408

N/A

N/A

XXXX

20250906279

XXXX

XXXX

XXXX

Closed

2024-09-10 19:46

2024-09-16 20:21

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-. - Due Diligence Vendor-09/16/2024 Resolved-Received evidence of Initial CD receipt date XX/XX/XXXX. Finding cleared. - Due Diligence Vendor-09/16/2024 Ready for Review-Document Uploaded. As per CFPB regulation, if Closing Disclosure was provided electronically on a specific day (in this CD was sent electronically on XX/XX/XXXX) and Creditor (Lender) has evidence that Borrower received the emailed disclosure on same day then Loan can be closed on 3rd business day from the date on which disclosure was received. We have sent the CD via electronically medium on XX/XX/XXXX and Borrower opened/viewed the email on XX/XX/XXXX hence it is an evidence the Borrower received the CD on XX/XX/XXXX. It is not mandatory that Borrower should sign or acknowledge the CD. Please refer to the attached Disclosure tracking, Guideline reference (links are provided) and screenshot. Please provide supporting guidelines if XXXX can not consider that Borrower received the CD on XX/XX/XXXX. Guideline reference - https://files.consumerfinance.gov/f/documents/2017-10_cfpb_KBYO-Small-Entity-Compliance-Guide_v5.pdf https://www.consumerfinance.gov/rules-policy/regulations/1026/19/#19-f-1-ii-Interp-2" - Buyer-09/13/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure.  Additional conditions may apply upon receipt. - Due Diligence Vendor-09/10/2024

Resolved-. - Due Diligence Vendor-09/16/2024  Resolved-Received evidence of Initial CD receipt date XX/XX/XXXX. Finding cleared. - Due Diligence Vendor-09/16/2024

XXXXX - Disclosure Tracking.pdf image (8).png image (9).png

XX

Primary Residence

Refinance

Cash Out - Other

2346406

N/A

N/A

XXXX

20250906279

XXXX

XXXX

XXXX

Closed

2024-09-10 19:26

2024-09-11 11:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

XX

Primary Residence

Refinance

Cash Out - Other

2346177

Investor Post-Close

No

XXXX

20250906220

XXXX

XXXX

XXXX

Closed

2024-09-10 17:31

2024-09-10 17:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

XX

Primary Residence

Refinance

Cash Out - Other

2344681

Investor Post-Close

No

XXXX

20250906306

XXXX

XXXX

XXXX

Closed

2024-09-11 12:20

2024-09-11 12:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2350084

Investor Post-Close

No

XXXX

20250906295

XXXX

XXXX

XXXX

Closed

2024-09-11 15:18

2024-09-11 15:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

XX

Primary Residence

Refinance

Cash Out - Other

2352172

Investor Post-Close

No

XXXX

20250906246

XXXX

XXXX

XXXX

Closed

2024-09-10 18:58

2024-09-12 18:34

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Revised CDs and Change of Circumstance Forms provided; condition resolved. - Due Diligence Vendor-09/12/2024 Ready for Review- - Due Diligence Vendor-09/12/2024 Ready for Review-Document Uploaded. Please review the attached revised CD dated 08/30. - Buyer-09/12/2024 Open-As per disclosure tracking, revised closing disclosure sent on XX/XX/XXXX. However, the same is missing in the loan file. Additional conditions may apply upon receipt. - Due Diligence Vendor-09/10/2024

Resolved-Revised CDs and Change of Circumstance Forms provided; condition resolved. - Due Diligence Vendor-09/12/2024

XXXXXX - Revised CD dated XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2345822

N/A

N/A

XXXX

20250906246

XXXX

XXXX

XXXX

Closed

2024-09-11 19:12

2024-09-12 18:34

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001257)

Resolved-Revised CDs and Change of Circumstance Forms provided; condition resolved. - Due Diligence Vendor-09/12/2024 Ready for Review-Document Uploaded. Please refer the attched revised CD dated XX/XX/XXXX. Warranty deed was received hence Curative fee, Document preparation fee and Recording fee was increased/added. Baseline for 10% tolerance charges was reset. There should be no cure for 10% tolerance. Disclosure tracking also reflects the revised CD dated XX/XX/XXXX. - Buyer-09/12/2024 Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Document Preparation Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/11/2024

Resolved-Revised CDs and Change of Circumstance Forms provided; condition resolved. - Due Diligence Vendor-09/12/2024

XXXXX - Disclosure Tracking.pdf XXXXX - Revised CD dated XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2355290

N/A

N/A

XXXX

20250906246

XXXX

XXXX

XXXX

Closed

2024-09-11 19:12

2024-09-12 18:33

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001258)

Resolved-Revised CDs and Change of Circumstance Forms provided; condition resolved. - Due Diligence Vendor-09/12/2024 Ready for Review-Document Uploaded. Please refer the attched revised CD dated XX/XX/XXXX. Warranty deed was received hence Curative fee, Document preparation fee and Recording fee was increased/added. Baseline for 10% tolerance charges was reset. There should be no cure for 10% tolerance. Disclosure tracking also reflects the revised CD dated XX/XX/XXXX. - Buyer-09/12/2024 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Document Preparation Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/11/2024

Resolved-Revised CDs and Change of Circumstance Forms provided; condition resolved. - Due Diligence Vendor-09/12/2024

XXXXXX- Revised CD dated XX/XX/XXXX.pdf XXXXXX - Disclosure Tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2355289

N/A

N/A

XXXX

20250906246

XXXX

XXXX

XXXX

Closed

2024-09-10 18:43

2024-09-10 18:43

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Notice of Servicing Transfer

Acknowledged-Servicing Transfer Notice is missing in the loan file. - Due Diligence Vendor-09/10/2024

Acknowledged-Servicing Transfer Notice is missing in the loan file. - Due Diligence Vendor-09/10/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2345603

Investor Post-Close

No

XXXX

20250906246

XXXX

XXXX

XXXX

Closed

2024-09-10 18:40

2024-09-10 18:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2345582

Investor Post-Close

No

XXXX

20250906273

XXXX

XXXX

XXXX

Closed

2024-09-13 17:22

2024-09-16 15:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/16/2024 Ready for Review-Document Uploaded. PFA verification of borrower employment through email. - Buyer-09/13/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/13/2024

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/16/2024

Borrower employment verification.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2371534

N/A

N/A

XXXX

20250906273

XXXX

XXXX

XXXX

Closed

2024-09-13 18:42

2024-09-13 18:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/13/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/13/2024

XX

Primary Residence

Refinance

Cash Out - Other

2372350

Investor Post-Close

No

XXXX

20250906297

XXXX

XXXX

XXXX

Closed

2024-09-10 19:34

2024-09-10 19:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

XX

Primary Residence

Refinance

Cash Out - Other

2346268

Investor Post-Close

No

XXXX

20250906353

XXXX

XXXX

XXXX

Closed

2024-09-10 19:43

2024-09-10 19:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2346355

Investor Post-Close

No

XXXX

20250906262

XXXX

XXXX

XXXX

Closed

2024-09-11 12:18

2024-09-11 12:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2350070

Investor Post-Close

No

XXXX

20250906315

XXXX

XXXX

XXXX

Closed

2024-09-10 20:48

2024-12-23 17:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/23/2024 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/10/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/23/2024  Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/10/2024

XX

Primary Residence

Refinance

Cash Out - Other

2347242

Investor Post-Close

No

XXXX

20250906316

XXXX

XXXX

XXXX

Closed

2024-09-11 10:54

2024-09-11 10:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2349639

Investor Post-Close

No

XXXX

20250906244

XXXX

XXXX

XXXX

Closed

2025-02-19 16:16

2025-02-19 16:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2025

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2025

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3446709

Investor Post-Close

No

XXXX

20250906293

XXXX

XXXX

XXXX

Closed

2024-09-18 13:16

2024-09-20 16:39

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Evidence of E-consent provided; condition resolved. - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. Please find the attached E-consent for the file. - Buyer-09/20/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) Additional conditions may apply. - Due Diligence Vendor-09/19/2024

Resolved-Evidence of E-consent provided; condition resolved. - Due Diligence Vendor-09/20/2024

XXXXXXXXXX - eConsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2397911

N/A

N/A

XXXX

20250906293

XXXX

XXXX

XXXX

Closed

2024-09-18 10:47

2024-09-19 17:52

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 14. Lender provided approved exception dated prior origination and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/18/2024

Waived-Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 14. Lender provided approved exception dated prior origination and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/18/2024

CLTV 15% or more under requirement; FICO 10 points above requirement and 36+ months 0x30 housing payment history.

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2396738

Originator Pre-Close

Yes

XXXX

20250906293

XXXX

XXXX

XXXX

Closed

2024-09-18 10:34

2024-09-18 10:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2396687

Investor Post-Close

No

XXXX

20250906221

XXXX

XXXX

XXXX

Closed

2024-09-17 20:31

2024-09-17 20:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A

XX

Primary Residence

Refinance

Cash Out - Other

2393947

Investor Post-Close

No

XXXX

20250906252

XXXX

XXXX

XXXX

Closed

2024-09-17 19:13

2024-09-17 19:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2392735

Investor Post-Close

No

XXXX

20250906272

XXXX

XXXX

XXXX

Closed

2024-09-19 15:47

2024-09-20 13:26

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. PFA mortgage payment history. - Buyer-09/20/2024 Open-Housing History Does Not Meet Guideline Requirements Lender Guidelines require 12 months review of the Mortgage History, the Credit Report does not list the subject property's first mortgage payment; per the guidelines a supplement to the credit report, canceled checks or updated statement showing the payment is required; the updated mortgage statement lists late charges currently due; please provided canceled check or supplement to the Credit Report showing the mortgage payment history. - Due Diligence Vendor-09/19/2024

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/20/2024

Mortgage Payment history.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2410184

N/A

N/A

XXXX

20250906272

XXXX

XXXX

XXXX

Closed

2024-09-19 16:30

2024-09-20 13:26

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. PFA mortgage payment history. - Buyer-09/20/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing evidence of the First Mortgage payment history as required by the Lender Guidelines. - Due Diligence Vendor-09/19/2024

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/20/2024

Mortgage Payment history.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2410762

N/A

N/A

XXXX

20250906272

XXXX

XXXX

XXXX

Closed

2024-09-18 12:49

2024-09-18 12:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2397582

N/A

N/A

XXXX

20250906251

XXXX

XXXX

XXXX

Closed

2024-09-17 19:45

2024-09-19 13:47

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded. PFA active Hazard Insurance policy. - Buyer-09/18/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements- HOI Doc is missing - Due Diligence Vendor-09/17/2024

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/19/2024

Homeowner Insurance Policy.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2393250

N/A

N/A

XXXX

20250906251

XXXX

XXXX

XXXX

Closed

2024-09-17 18:43

2024-09-19 13:36

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX.  Renewal also in file extending coverage through XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded. PFA active Hazard Insurance policy. - Buyer-09/18/2024 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Valid Insurance doc is missing - Due Diligence Vendor-09/17/2024

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX.  Renewal also in file extending coverage through XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-09/19/2024

Homeowner Insurance Policy.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2392295

N/A

N/A

XXXX

20250906251

XXXX

XXXX

XXXX

Closed

2024-09-17 19:26

2024-09-18 20:12

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Lender Guidelines require the FSD to be at or below 12.5, the AVM FSD is 17, which requires a Lender exception per the Guidelines. A lender exception is present in the loan file, dated prior to consummation, and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/17/2024

Waived-Lender Guidelines require the FSD to be at or below 12.5, the AVM FSD is 17, which requires a Lender exception per the Guidelines. A lender exception is present in the loan file, dated prior to consummation, and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/17/2024

1 - CLTV 15% or more under requirement - Requirement 75% - Actual 56.71% - 19.29% below requirement. 2 - Total Debt 10% or more under requirement - Requirement 50% - Actual DTI 36.69% - 13.31% below requirement 3 - FICO 10 points above requirement - Requirement 680 - Actual 725 - 45 points above requirement 4 - 36+ Months 0x30 housing payment history - Actual 37 months 0x30

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2392988

Originator Pre-Close

Yes

XXXX

20250906251

XXXX

XXXX

XXXX

Closed

2024-09-17 19:19

2024-09-17 19:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2392881

Investor Post-Close

No

XXXX

20250906276

XXXX

XXXX

XXXX

Closed

2024-09-17 18:25

2024-09-19 14:18

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Lender provided the ICD. Condition cleared.  - Due Diligence Vendor-09/19/2024 Resolved-Resolved - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded. Closing Disclosure was sent on XX/XX/XXXX and it was received by Borrower(s) on XX/XX/XXXX hence earliest closing date can be XX/XX/XXXX. Loan was closed on XX/XX/XXXX which is 3 business days after CD received date.  - Buyer-09/18/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure.  - Due Diligence Vendor-09/17/2024

Resolved-Lender provided the ICD. Condition cleared.  - Due Diligence Vendor-09/19/2024  Resolved-Resolved - Due Diligence Vendor-09/19/2024

XXXXXXXXXX - Signed CD XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2392067

N/A

N/A

XXXX

20250906276

XXXX

XXXX

XXXX

Closed

2024-09-17 19:11

2024-09-18 19:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2392701

Investor Post-Close

No

XXXX

20250906325

XXXX

XXXX

XXXX

Closed

2024-09-17 19:42

2024-09-17 19:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-09/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2393197

Investor Post-Close

No

XXXX

20250906215

XXXX

XXXX

XXXX

Closed

2024-09-17 17:44

2024-09-26 20:38

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-09/26/2024 Ready for Review-Document Uploaded. PFA post disaster inspection report. - Buyer-09/26/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-09/17/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-09/26/2024

Post Disaster Inspection Report (2).pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2391567

N/A

N/A

XXXX

20250906215

XXXX

XXXX

XXXX

Closed

2024-09-17 18:40

2024-09-23 19:04

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Incomplete for one or more borrowers/vested parties

Resolved-TILA: NORTC is provided - Due Diligence Vendor-09/23/2024 Ready for Review-Document Uploaded. Please find the attached copy of signed and dated NORTC - Buyer-09/23/2024 Counter-Document provided for review is a Closing Disclosure, not the signed and dated NORTC; condition remains. - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. Please find the attached copy of signed and dated NORTC - Buyer-09/20/2024 Open-TILA: NOTRC is incomplete for one or more borrowers/ vested parties NORTC signed date is missing. - Due Diligence Vendor-09/17/2024

Resolved-TILA: NORTC is provided - Due Diligence Vendor-09/23/2024

XXXXXXXXXX - Signed Initial CD.pdf XXXXXXXXXX - Signed Copy of NORTC.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2392249

N/A

N/A

XXXX

20250906215

XXXX

XXXX

XXXX

Closed

2024-09-17 18:07

2024-09-17 18:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2391815

Investor Post-Close

No

XXXX

20250906320

XXXX

XXXX

XXXX

Closed

2024-09-18 09:57

2024-09-18 09:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2396566

Investor Post-Close

No

XXXX

20250906305

XXXX

XXXX

XXXX

Closed

2024-09-17 19:33

2024-09-17 19:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2393070

Investor Post-Close

No

XXXX

20250906304

XXXX

XXXX

XXXX

Closed

2024-09-18 10:49

2024-09-18 16:56

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Guidelines, section 5.8. 4-5-7, require AVM FSD to be equal to or below 12.5 (87.50%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. No exception in file. The AVM in file had FSD of 0.17 (83.0%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/18/2024

Waived-Guidelines, section 5.8. 4-5-7, require AVM FSD to be equal to or below 12.5 (87.50%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. No exception in file. The AVM in file had FSD of 0.17 (83.0%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/18/2024

1 - CLTV 15% or more under requirement - Requirement 80% - Actual 60.73% - 19.27 below requirement 2 - Employment of 5 yrs at the same job - verified 17 years 2 months at job. 4 - FICO 10 points above requirement - Requirement - 700 - Actual 724 - 24 points above requirement 5 - 36+ months 0x30 housing payment history - Actual 51 months 0x30

XX

Primary Residence

Refinance

Cash Out - Other

2396744

Originator Pre-Close

Yes

XXXX

20250906304

XXXX

XXXX

XXXX

Closed

2024-09-17 18:03

2024-09-17 18:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2391764

Investor Post-Close

No

XXXX

20250906219

XXXX

XXXX

XXXX

Closed

2024-09-17 18:51

2024-09-17 18:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2392404

Investor Post-Close

No

XXXX

20250906267

XXXX

XXXX

XXXX

Closed

2024-09-17 18:11

2024-09-17 18:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2391876

Investor Post-Close

No

XXXX

20250906257

XXXX

XXXX

XXXX

Closed

2024-09-25 11:34

2024-09-25 11:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2451018

Investor Post-Close

No

XXXX

20250906310

XXXX

XXXX

XXXX

Closed

2024-09-25 10:17

2024-09-25 10:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2450651

Investor Post-Close

No

XXXX

20250906312

XXXX

XXXX

XXXX

Closed

2024-09-24 17:14

2024-09-24 17:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2445881

Investor Post-Close

No

XXXX

20250906328

XXXX

XXXX

XXXX

Closed

2024-09-24 18:05

2024-09-25 13:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2446484

Investor Post-Close

No

XXXX

20250906240

XXXX

XXXX

XXXX

Closed

2024-09-24 18:57

2024-09-24 18:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2447141

Investor Post-Close

No

XXXX

20250906285

XXXX

XXXX

XXXX

Closed

2024-09-25 11:50

2024-09-25 11:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2451128

Investor Post-Close

No

XXXX

20250906247

XXXX

XXXX

XXXX

Closed

2024-09-24 19:59

2024-09-24 19:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2447861

Investor Post-Close

No

XXXX

20250906354

XXXX

XXXX

XXXX

Closed

2024-09-24 19:06

2024-12-10 18:26

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Guidelines, section 4-5-7, require AVM FSD to be equal to or below 12.5 (87.5%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. The AVM in file had FSD of 0.13 (87%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-12/10/2024 Acknowledged-Guidelines, section 4-5-7, require AVM FSD to be equal to or below 12.5 (87.5%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. The AVM in file had FSD of 0.13 (87%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.  - Due Diligence Vendor-09/24/2024

Waived-Guidelines, section 4-5-7, require AVM FSD to be equal to or below 12.5 (87.5%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. The AVM in file had FSD of 0.13 (87%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-12/10/2024  Acknowledged-Guidelines, section 4-5-7, require AVM FSD to be equal to or below 12.5 (87.5%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. The AVM in file had FSD of 0.13 (87%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.  - Due Diligence Vendor-09/24/2024

1. Employment of 5 years on the same job. 2. Income not used to qualify: Christmas Bonus Income. 3. 36+ Months 0x30 housing payment history.

XX

Primary Residence

Refinance

Cash Out - Other

2447267

Originator Pre-Close

Yes

XXXX

20250906354

XXXX

XXXX

XXXX

Closed

2024-09-24 19:02

2024-09-26 15:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2447218

Investor Post-Close

No

XXXX

20250906288

XXXX

XXXX

XXXX

Closed

2024-09-25 10:13

2024-09-25 10:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2450642

Investor Post-Close

No

XXXX

20250906340

XXXX

XXXX

XXXX

Closed

2024-09-26 14:23

2024-09-26 14:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2461634

Investor Post-Close

No

XXXX

20250906242

XXXX

XXXX

XXXX

Closed

2024-09-24 19:15

2024-09-25 18:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2447397

Investor Post-Close

No

XXXX

20250906287

XXXX

XXXX

XXXX

Closed

2024-09-24 18:20

2024-09-24 18:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2446662

Investor Post-Close

No

XXXX

20250906224

XXXX

XXXX

XXXX

Closed

2024-09-25 20:32

2024-09-26 13:58

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Large deposits paper trail received and accepted.  Finding resolved.  - Due Diligence Vendor-09/26/2024 Ready for Review-Document Uploaded. PFA check from title company of $XX,XXX.XX and check of $X,XXX.XX from parents account along with online proof of parents funeral. - Buyer-09/25/2024 Open-The loan approval required a copy of the source of large non-payroll deposit into #XXXX for $XX,XXX.XX. The asset statement only provided a hand-written note stating inheritance check from parents estate.  - Due Diligence Vendor-09/25/2024

Resolved-Large deposits paper trail received and accepted.  Finding resolved.  - Due Diligence Vendor-09/26/2024

Large deposit proof.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2457103

N/A

N/A

XXXX

20250906224

XXXX

XXXX

XXXX

Closed

2024-09-25 13:42

2024-09-25 13:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2452201

Investor Post-Close

No

XXXX

20250906237

XXXX

XXXX

XXXX

Closed

2024-09-25 11:21

2024-12-10 18:25

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Guidelines, section 4-5-7, require AVM FSD to be equal to or below 12.5 (87.5%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. The AVM in file had FSD of 0.13 (87%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-12/10/2024 Acknowledged-Guidelines, section 4-5-7, require AVM FSD to be equal to or below 12.5 (87.5%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. The AVM in file had FSD of 0.13 (87%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/25/2024

Waived-Guidelines, section 4-5-7, require AVM FSD to be equal to or below 12.5 (87.5%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. The AVM in file had FSD of 0.13 (87%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-12/10/2024  Acknowledged-Guidelines, section 4-5-7, require AVM FSD to be equal to or below 12.5 (87.5%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. The AVM in file had FSD of 0.13 (87%). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/25/2024

CLTV <5% below the Maximum Qualifying.

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2450959

Originator Pre-Close

Yes

XXXX

20250906237

XXXX

XXXX

XXXX

Closed

2024-09-25 11:52

2024-09-25 11:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2451134

Investor Post-Close

No

XXXX

20250906327

XXXX

XXXX

XXXX

Closed

2024-09-24 17:46

2024-09-24 17:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2446291

Investor Post-Close

No

XXXX

20250906263

XXXX

XXXX

XXXX

Closed

2024-09-24 19:02

2024-09-25 14:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-09/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2447216

Investor Post-Close

No

XXXX

20250906223

XXXX

XXXX

XXXX

Closed

2024-09-24 18:54

2024-09-24 18:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2447099

Investor Post-Close

No

XXXX

20250906239

XXXX

XXXX

XXXX

Closed

2024-09-26 13:36

2024-10-01 13:41

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded. PFA post disaster inspection report. - Buyer-09/30/2024 Open-Subject property is in recent disaster area and there is no post incident inspection. - Due Diligence Vendor-09/26/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-10/01/2024

Post Disaster Inspection Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2461092

N/A

N/A

XXXX

20250906239

XXXX

XXXX

XXXX

Closed

2024-09-26 14:15

2024-09-26 14:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2461541

Investor Post-Close

No

XXXX

20250906225

XXXX

XXXX

XXXX

Closed

2024-10-02 11:10

2024-10-02 20:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

2502470

Investor Post-Close

No

XXXX

20250906347

XXXX

XXXX

XXXX

Closed

2024-10-01 18:24

2024-10-01 18:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

XX

Primary Residence

Refinance

Cash Out - Other

2497747

Investor Post-Close

No

XXXX

20250906361

XXXX

XXXX

XXXX

Closed

2024-10-02 13:10

2024-10-03 18:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2503672

Investor Post-Close

No

XXXX

20250906294

XXXX

XXXX

XXXX

Closed

2024-10-01 18:28

2024-10-01 18:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2497784

Investor Post-Close

No

XXXX

20250906229

XXXX

XXXX

XXXX

Closed

2024-10-04 13:58

2024-10-07 14:01

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Revised LE received.  Finding resolved.  - Due Diligence Vendor-10/07/2024 Ready for Review-Document Uploaded. Please find the attached Revised Loan estimate dated XX/XX/XXXX. - Buyer-10/04/2024 Open-Disclosure Tracking indicates a Revised Loan Estimate dated XX/XX/XXXX was issued; this LE is missing from the loan file. - Due Diligence Vendor-10/04/2024

Resolved-Revised LE received.  Finding resolved.  - Due Diligence Vendor-10/07/2024

LE.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2525154

N/A

N/A

XXXX

20250906229

XXXX

XXXX

XXXX

Closed

2024-10-02 13:54

2024-10-02 13:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2504261

Investor Post-Close

No

XXXX

20250906266

XXXX

XXXX

XXXX

Closed

2024-10-03 14:22

2024-10-03 14:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/03/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/03/2024

XX

Second Home

Refinance

Cash Out - Other

2514547

Investor Post-Close

No

XXXX

20250906284

XXXX

XXXX

XXXX

Closed

2024-10-01 19:21

2024-10-02 10:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

XX

Primary Residence

Refinance

Cash Out - Other

2498463

Investor Post-Close

No

XXXX

20250906303

XXXX

XXXX

XXXX

Closed

2024-10-02 03:26

2024-10-02 09:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

2501057

Investor Post-Close

No

XXXX

20250906292

XXXX

XXXX

XXXX

Closed

2024-10-02 10:44

2024-10-07 14:08

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Revised LE received.  Finding resolved.  - Due Diligence Vendor-10/07/2024 Ready for Review-Document Uploaded. Please find the attached copy of Loan Estimated dated XX/XX/XXXX - Buyer-10/03/2024 Open-As per disclosure tracking, revised initial Loan Estimate was sent on XX/XX/XXXX. Missing a copy of the XX/XX/XXXX LE. - Due Diligence Vendor-10/02/2024

Resolved-Revised LE received.  Finding resolved.  - Due Diligence Vendor-10/07/2024

XXXXXXXXXX  - COC XX/XX.pdf XXXXXXXXXX  - Loan Estimate XX/XX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2502317

N/A

N/A

XXXX

20250906292

XXXX

XXXX

XXXX

Closed

2024-10-01 19:47

2024-10-02 14:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2498778

Investor Post-Close

No

XXXX

20250906234

XXXX

XXXX

XXXX

Closed

2024-10-04 16:37

2024-10-04 16:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2528185

Investor Post-Close

No

XXXX

20250906256

XXXX

XXXX

XXXX

Closed

2024-10-02 11:16

2024-10-02 11:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

2502500

Investor Post-Close

No

XXXX

20250906286

XXXX

XXXX

XXXX

Closed

2024-10-02 11:01

2024-10-04 20:41

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Payoff statement provided.  Finding resolved.  - Due Diligence Vendor-10/04/2024 Ready for Review-Document Uploaded. PFA payoff statement. - Buyer-10/04/2024 Open-Missing payoff statement for prior loan. - Due Diligence Vendor-10/02/2024

Resolved-Payoff statement provided.  Finding resolved.  - Due Diligence Vendor-10/04/2024

Payoff Statement.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2502434

N/A

N/A

XXXX

20250906286

XXXX

XXXX

XXXX

Closed

2024-10-02 10:59

2024-10-04 16:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2502413

Investor Post-Close

No

XXXX

20250906232

XXXX

XXXX

XXXX

Closed

2024-10-02 13:54

2024-10-04 13:02

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lease documents provided verifying payment for auto loan.  Finding resolved.  - Due Diligence Vendor-10/04/2024 Ready for Review-Document Uploaded. PFA auto lease document to verify monthly payment. - Buyer-10/03/2024 Open-Missing evidence of terms for new auto lease reflected on the final 1003.   - Due Diligence Vendor-10/02/2024

Resolved-Lease documents provided verifying payment for auto loan.  Finding resolved.  - Due Diligence Vendor-10/04/2024

Auto Lease Documentation.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2504258

N/A

N/A

XXXX

20250906232

XXXX

XXXX

XXXX

Closed

2024-10-02 13:55

2024-10-04 13:01

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements, Lease documents provided verifying payment for auto loan. Finding resolved. - Due Diligence Vendor-10/04/2024 Ready for Review-Document Uploaded. PFA auto lease document to verify monthly payment. - Buyer-10/03/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/02/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements, Lease documents provided verifying payment for auto loan. Finding resolved. - Due Diligence Vendor-10/04/2024

Auto Lease Documentation.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2504289

N/A

N/A

XXXX

20250906232

XXXX

XXXX

XXXX

Closed

2024-10-02 11:16

2024-10-02 11:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2502503

Investor Post-Close

No

XXXX

20250906282

XXXX

XXXX

XXXX

Closed

2024-10-02 13:46

2024-10-02 13:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2504151

Investor Post-Close

No

XXXX

20250906318

XXXX

XXXX

XXXX

Closed

2024-10-01 19:18

2024-10-01 20:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/01/2024

XX

Primary Residence

Refinance

Cash Out - Other

2498414

Investor Post-Close

No

XXXX

20250906359

XXXX

XXXX

XXXX

Closed

2024-10-02 12:48

2024-10-03 14:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

2503379

Investor Post-Close

No

XXXX

20250906254

XXXX

XXXX

XXXX

Closed

2024-10-02 14:49

2024-10-02 14:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2505088

Investor Post-Close

No

XXXX

20250906278

XXXX

XXXX

XXXX

Closed

2024-10-03 11:55

2024-10-07 14:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/07/2024 Ready for Review-Document Uploaded. PFA AVM used for valuation. As per guideline no secondary product required. - Buyer-10/03/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/03/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/07/2024

AVM.pdf

XX

Investment

Refinance

Cash Out - Other

2513044

Originator Pre-Close

Yes

XXXX

20250906278

XXXX

XXXX

XXXX

Closed

2024-10-03 11:52

2024-10-07 14:18

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-10/07/2024 Ready for Review-Document Uploaded. PFA post disaster inspection report. - Buyer-10/03/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/03/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-10/07/2024

Post Disaster Inspection Report.pdf

XX

Investment

Refinance

Cash Out - Other

2513023

N/A

N/A

XXXX

20250906352

XXXX

XXXX

XXXX

Closed

2024-10-02 14:11

2024-10-15 14:05

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-10/15/2024 Ready for Review-Document Uploaded. PFA Disaster report - Buyer-10/14/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/02/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-10/15/2024

PCI Disaster report.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2504521

N/A

N/A

XXXX

20250906352

XXXX

XXXX

XXXX

Closed

2024-10-02 14:04

2024-10-02 14:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2504409

Investor Post-Close

No

XXXX

20250906351

XXXX

XXXX

XXXX

Closed

2024-10-03 18:32

2024-10-03 18:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/03/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/03/2024

XX

Primary Residence

Refinance

Cash Out - Other

2518765

Investor Post-Close

No

XXXX

20250906233

XXXX

XXXX

XXXX

Closed

2024-10-02 10:19

2024-10-02 10:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/02/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2502145

Investor Post-Close

No

XXXX

20250906283

XXXX

XXXX

XXXX

Closed

2024-10-09 21:06

2024-10-09 21:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2564214

Investor Post-Close

No

XXXX

20250906228

XXXX

XXXX

XXXX

Closed

2024-10-09 18:06

2024-10-09 18:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2562211

Investor Post-Close

No

XXXX

20250906302

XXXX

XXXX

XXXX

Closed

2024-10-08 20:02

2024-10-12 01:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/08/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/08/2024

XX

Primary Residence

Refinance

Cash Out - Other

2554728

Investor Post-Close

No

XXXX

20250906243

XXXX

XXXX

XXXX

Closed

2024-10-09 12:57

2024-10-09 12:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

XX

Primary Residence

Refinance

Cash Out - Other

2558403

Investor Post-Close

No

XXXX

20250906307

XXXX

XXXX

XXXX

Closed

2024-10-09 20:02

2024-10-09 20:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2563616

Investor Post-Close

No

XXXX

20250906349

XXXX

XXXX

XXXX

Closed

2024-10-08 20:05

2024-10-08 20:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/08/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/08/2024

XX

Primary Residence

Refinance

Cash Out - Other

2554767

Investor Post-Close

No

XXXX

20250906324

XXXX

XXXX

XXXX

Closed

2024-10-09 14:01

2024-10-09 14:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2559025

Investor Post-Close

No

XXXX

20250906277

XXXX

XXXX

XXXX

Closed

2024-10-12 20:29

2024-10-16 16:48

Resolved

1 - Information

Compliance

Missing Doc

Loan Estimate disclosure is missing or incomplete

Resolved-LE Received. - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Please find the attached re-disclosures dated XX/XX/XXXX. Revised LE is included in it.  - Buyer-10/16/2024 Open-Loan Estimate disclosure is missing or incomplete The Loan Estimate Dated XX/XX/XXXX is missing from the loan file - Due Diligence Vendor-10/12/2024

Resolved-LE Received. - Due Diligence Vendor-10/16/2024

LE dated XX/XX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2585285

N/A

N/A

XXXX

20250906277

XXXX

XXXX

XXXX

Closed

2024-10-09 11:50

2024-10-09 11:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2557889

Investor Post-Close

No

XXXX

20250906326

XXXX

XXXX

XXXX

Closed

2024-10-09 13:41

2024-10-12 15:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2558795

Investor Post-Close

No

XXXX

20250906345

XXXX

XXXX

XXXX

Closed

2024-10-09 14:59

2024-10-25 14:14

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. PFA XXXXXXXX income Award letter along with The old award letter states the XXXX-XXXX Fiscal year deposit is $XXXX.XX. This is shown on page 2 of 6 for the XXXX bank statement deposited XX/XX/XXXX. And Page 3 of 6 on the XXXXXX statement deposited X/X/XXXX. - Buyer-10/25/2024 Counter-Documentation references XXXXXXXX, letter does not reference borrower, history docs are missing 2 months' payments. - Due Diligence Vendor-10/17/2024 Ready for Review-Document Uploaded. PFA letter from organization & check to verify  $X,XXX.XX in bank statements every month. Grossed up $XXXX x 125% to qualify. - Buyer-10/16/2024 Counter-Documentation submitted does not meet guidelines. Letter not provided, 24 month history not supported, and 12 months of receipt not supported.  - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. PFA XXXXXX XXXX documents  - Buyer-10/15/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/09/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/25/2024

XXXXXX XXXX.pdf Letter fom the organizations providing the income..pdf Check to verify income X,XXX in bank statements.pdf XXXXXXXX XXXXXXXX AWARD LETTER - XXXX XXXXX.pdf XXXX XXXX.pdf XXXXXX XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2559699

N/A

N/A

XXXX

20250906345

XXXX

XXXX

XXXX

Closed

2024-10-09 15:02

2024-10-25 14:13

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Full income verification documents received.  Finding resolved.  - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. PFA XXXXXXXX income Award letter along with The old award letter states the XXXX-XXXX Fiscal year deposit is $XXXX. This is shown on page 2 of 6 for the XXXX bank statement deposited XX/XX/XXXX. And Page 3 of 6 on the XXXXXX statement deposited XX/XX/XXXX. - Buyer-10/25/2024 Counter-Documentation references XXXXXXXX, letter does not reference borrower, history docs are missing 2 months' payments. - Due Diligence Vendor-10/17/2024 Ready for Review-Document Uploaded. PFA letter from organization & check to verify  $X,XXX.XX in bank statements every month. Grossed up $XXXX.XX x 125% to qualify. - Buyer-10/16/2024 Counter-Documentation submitted does not meet guidelines. Letter not provided, 24 month history not supported, and 12 months of receipt not supported.  - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Please find attached documents for XXXXXX XXXX - Buyer-10/15/2024 Open-Supporting docs is missing to verify the XXXXXX XXXX income. - Due Diligence Vendor-10/09/2024

Resolved-Full income verification documents received.  Finding resolved.  - Due Diligence Vendor-10/25/2024

XXXXXX XXXX.pdf Letter fom the organizations providing the income..pdf Check to verify income X,XXX in bank statements.pdf XXXXXXXX XXXXXXXX AWARD LETTER - XXXX XXXXX.pdf XXXX XXXX.pdf XXXXXX XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2559754

N/A

N/A

XXXX

20250906345

XXXX

XXXX

XXXX

Closed

2024-10-09 13:41

2024-10-09 14:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/09/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2558794

Investor Post-Close

No

XXXX

20250906336

XXXX

XXXX

XXXX

Closed

2024-10-18 11:50

2024-10-18 11:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629615

Investor Post-Close

No

XXXX

20250906270

XXXX

XXXX

XXXX

Closed

2024-10-18 12:18

2024-10-18 12:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629852

Investor Post-Close

No

XXXX

20250906281

XXXX

XXXX

XXXX

Closed

2024-10-18 15:00

2024-10-22 13:06

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. PFA Disaster report - Buyer-10/21/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/18/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-10/22/2024

PCI Disaster report.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2631705

N/A

N/A

XXXX

20250906281

XXXX

XXXX

XXXX

Closed

2024-10-18 15:21

2024-10-18 15:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632160

Investor Post-Close

No

XXXX

20250906343

XXXX

XXXX

XXXX

Closed

2024-10-17 18:30

2024-10-17 19:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2624911

Investor Post-Close

No

XXXX

20250906280

XXXX

XXXX

XXXX

Closed

2024-10-19 15:09

2024-10-19 15:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639368

Investor Post-Close

No

XXXX

20250906362

XXXX

XXXX

XXXX

Closed

2024-10-18 14:20

2024-10-18 14:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2631189

Investor Post-Close

No

XXXX

20250906344

XXXX

XXXX

XXXX

Closed

2024-10-19 18:44

2024-10-22 13:03

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. PFA Disaster report - Buyer-10/21/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/19/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-10/22/2024

PCI Disaster report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2640017

N/A

N/A

XXXX

20250906344

XXXX

XXXX

XXXX

Closed

2024-10-17 15:38

2024-10-17 19:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2622438

Investor Post-Close

No

XXXX

20250906300

XXXX

XXXX

XXXX

Closed

2024-10-22 20:18

2025-02-18 15:22

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. PFA Flood renewal policy - Buyer-10/29/2024 Counter-Flood insurance policy is not cleared.  Please review updated condition.  Thank you. - Due Diligence Vendor-10/29/2024 Ready for Review-Document Uploaded. PFA Flood Ins - Buyer-10/29/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Flood Insurance is missing in loan file - Due Diligence Vendor-10/22/2024

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2024

Flood ins.pdf Flood Renewal policy.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2659888

N/A

N/A

XXXX

20250906300

XXXX

XXXX

XXXX

Closed

2024-10-29 15:35

2024-10-30 13:38

Resolved

1 - Information

Credit

Eligibility

Flood Insurance Policy Expiration Term for Refinance does not meet guidelines

Resolved-Renewal policy received. Expiration date well within guidelines. Finding resolved. - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. PFA Flood renewal policy - Buyer-10/29/2024 Open-Flood insurance policy expiration term for refinance does not meet guidelines.  Policy expires XX/XX/XXXX and the note date is XX/XX/XXXX.  Guidelines require 30 days continued coverage remaining on policy. - Due Diligence Vendor-10/29/2024

Resolved-Renewal policy received. Expiration date well within guidelines. Finding resolved. - Due Diligence Vendor-10/30/2024

Flood Renewal policy.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2703437

N/A

N/A

XXXX

20250906300

XXXX

XXXX

XXXX

Closed

2024-10-22 20:15

2024-10-30 13:36

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/29/2024 Ready for Review-Document Uploaded. PFA Flood Insurance policy - Buyer-10/29/2024 Open-Missing Flood Insurance Policy - Due Diligence Vendor-10/22/2024

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/29/2024

Flood ins.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2659854

N/A

N/A

XXXX

20250906300

XXXX

XXXX

XXXX

Closed

2024-10-22 20:46

2024-10-22 20:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2660152

Investor Post-Close

No

XXXX

20250906355

XXXX

XXXX

XXXX

Closed

2024-10-23 13:39

2024-10-23 13:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2663680

Investor Post-Close

No

XXXX

20250906236

XXXX

XXXX

XXXX

Closed

2024-10-23 16:59

2024-10-25 20:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2666478

Investor Post-Close

No

XXXX

20250906231

XXXX

XXXX

XXXX

Closed

2024-10-24 11:44

2025-02-19 16:28

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Lender exception received. - Due Diligence Vendor-02/19/2025 Acknowledged-Lender exception received.  - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. PFA Exception form - Buyer-10/29/2024 Open-Audited DTI of 47.14% exceeds Guideline DTI of 45%. Documentation in the file indicates a Lender Exception was approved; document is missing from the loan file. - Due Diligence Vendor-10/24/2024

Waived-Lender exception received. - Due Diligence Vendor-02/19/2025  Acknowledged-Lender exception received.  - Due Diligence Vendor-10/30/2024

Exception Form - XXXXXXXXXX.pdf

B1 has been at the same job for 9 years and B2 has been at the same job for 20 years

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671490

Originator Pre-Close

Yes

XXXX

20250906231

XXXX

XXXX

XXXX

Closed

2024-10-24 11:45

2024-10-24 12:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671493

Investor Post-Close

No

XXXX

20250906230

XXXX

XXXX

XXXX

Closed

2024-10-24 18:35

2024-10-26 16:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675958

Investor Post-Close

No

XXXX

20250906275

XXXX

XXXX

XXXX

Closed

2024-10-25 18:48

2024-11-01 13:06

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-11/01/2024 Ready for Review-Document Uploaded. PFA Disaster report - Buyer-11/01/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/25/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-11/01/2024

PCI report.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2685530

N/A

N/A

XXXX

20250906275

XXXX

XXXX

XXXX

Closed

2024-10-24 21:20

2024-10-24 21:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2677568

Investor Post-Close

No

XXXX

20250906317

XXXX

XXXX

XXXX

Closed

2024-10-22 15:13

2024-10-22 15:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2655804

Investor Post-Close

No

XXXX

20250906322

XXXX

XXXX

XXXX

Closed

2024-10-28 18:49

2024-10-28 18:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697289

Investor Post-Close

No

XXXX

20250906350

XXXX

XXXX

XXXX

Closed

2024-10-28 23:54

2024-10-28 23:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2699199

N/A

N/A

XXXX

20250906271

XXXX

XXXX

XXXX

Closed

2024-10-28 20:23

2024-10-28 20:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2698181

Investor Post-Close

No

XXXX

20250906258

XXXX

XXXX

XXXX

Closed

2024-10-30 13:18

2024-10-30 13:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2710999

Investor Post-Close

No

XXXX

20250906356

XXXX

XXXX

XXXX

Closed

2024-10-30 17:26

2024-11-11 21:31

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. PFA Appraisal was made after Disaster - Buyer-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/30/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-11/11/2024

Appraisal made after Disaster.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2714523

N/A

N/A

XXXX

20250906356

XXXX

XXXX

XXXX

Closed

2024-10-30 17:24

2024-10-30 17:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2714494

Investor Post-Close

No

XXXX

20250906245

XXXX

XXXX

XXXX

Closed

2024-11-01 14:50

2024-11-01 14:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

XX

Primary Residence

Refinance

Cash Out - Other

2727751

Investor Post-Close

No

XXXX

20250906342

XXXX

XXXX

XXXX

Closed

2024-11-01 15:56

2024-11-01 15:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

XX

Primary Residence

Refinance

Cash Out - Other

2728796

Investor Post-Close

No

XXXX

20250906299

XXXX

XXXX

XXXX

Closed

2024-11-01 11:27

2024-11-01 11:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

XX

Primary Residence

Refinance

Cash Out - Other

2726503

Investor Post-Close

No

XXXX

20250906319

XXXX

XXXX

XXXX

Closed

2024-11-01 12:30

2024-11-01 12:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

XX

Primary Residence

Refinance

Cash Out - Other

2726791

Investor Post-Close

No

XXXX

20250906341

XXXX

XXXX

XXXX

Closed

2024-11-04 14:03

2024-11-04 14:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2734956

Investor Post-Close

No

XXXX

20250906216

XXXX

XXXX

XXXX

Closed

2024-11-05 19:46

2024-11-05 19:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2748145

Investor Post-Close

No

XXXX

20250906264

XXXX

XXXX

XXXX

Closed

2024-11-04 15:31

2024-11-04 15:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2735979

Investor Post-Close

No

XXXX

20250906333

XXXX

XXXX

XXXX

Closed

2024-11-04 19:46

2024-11-04 19:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2739480

Investor Post-Close

No

XXXX

20250906261

XXXX

XXXX

XXXX

Closed

2024-11-05 12:14

2024-11-13 17:42

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-11/13/2024 Ready for Review-Document Uploaded. PFA PCI report - Buyer-11/13/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-11/05/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-11/13/2024

PCI report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2743030

N/A

N/A

XXXX

20250906261

XXXX

XXXX

XXXX

Closed

2024-11-05 12:33

2024-11-05 12:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2743133

Investor Post-Close

No

XXXX

20250906323

XXXX

XXXX

XXXX

Closed

2024-11-12 16:27

2024-11-12 16:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/12/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/12/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2791266

Originator Post-Close

Yes

XXXX

20250906291

XXXX

XXXX

XXXX

Closed

2024-11-01 15:13

2024-11-01 15:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2728261

Investor Post-Close

No

XXXX

20250906250

XXXX

XXXX

XXXX

Closed

2024-11-05 15:04

2024-11-05 15:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2744393

Investor Post-Close

No

XXXX

20250906249

XXXX

XXXX

XXXX

Closed

2024-11-04 14:13

2024-11-04 14:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2735036

Investor Post-Close

No

XXXX

20250906298

XXXX

XXXX

XXXX

Closed

2024-11-04 18:52

2024-11-04 18:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2738809

Investor Post-Close

No

XXXX

20250906330

XXXX

XXXX

XXXX

Closed

2024-11-04 19:45

2024-11-04 19:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2739471

Investor Post-Close

No

XXXX

20250906217

XXXX

XXXX

XXXX

Closed

2024-11-05 15:41

2024-11-05 15:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2744881

Investor Post-Close

No

XXXX

20250906222

XXXX

XXXX

XXXX

Closed

2024-11-06 19:11

2024-11-06 19:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

XX

Primary Residence

Refinance

Cash Out - Other

2756336

Investor Post-Close

No

XXXX

20250906331

XXXX

XXXX

XXXX

Closed

2024-11-06 19:27

2024-11-06 19:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

XX

Primary Residence

Refinance

Cash Out - Other

2756549

Investor Post-Close

No

XXXX

20250906314

XXXX

XXXX

XXXX

Closed

2024-11-07 12:15

2024-11-07 12:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2760668

Investor Post-Close

No

XXXX

20250906265

XXXX

XXXX

XXXX

Closed

2024-11-06 16:40

2024-11-06 16:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2754364

Investor Post-Close

No

XXXX

20250906226

XXXX

XXXX

XXXX

Closed

2024-11-08 12:51

2024-11-08 12:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/08/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/08/2024

XX

Investment

Refinance

Cash Out - Debt Consolidation

2769969

Investor Post-Close

No

XXXX

20250906296

XXXX

XXXX

XXXX

Closed

2024-11-06 20:10

2024-11-06 20:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2757063

Investor Post-Close

No

XXXX

20250906259

XXXX

XXXX

XXXX

Closed

2024-11-06 18:04

2024-11-06 18:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2755456

Investor Post-Close

No

XXXX

20250906321

XXXX

XXXX

XXXX

Closed

2024-11-07 11:51

2024-11-07 11:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2760536

Investor Post-Close

No

XXXX

20250906348

XXXX

XXXX

XXXX

Closed

2024-11-07 12:10

2024-11-07 12:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2760651

Investor Post-Close

No

XXXX

20250906346

XXXX

XXXX

XXXX

Closed

2024-11-06 21:45

2024-11-12 18:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

XX

Primary Residence

Refinance

Cash Out - Other

2758071

Investor Post-Close

No

XXXX

20250906335

XXXX

XXXX

XXXX

Closed

2024-11-07 11:36

2024-11-07 11:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2760462

Investor Post-Close

No

XXXX

20250906308

XXXX

XXXX

XXXX

Closed

2024-11-07 11:45

2024-11-07 11:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2760513

Investor Post-Close

No

XXXX

20250906311

XXXX

XXXX

XXXX

Closed

2024-11-07 18:04

2024-11-07 18:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Investment

Refinance

Cash Out - Debt Consolidation

2764563

Investor Post-Close

No

XXXX

20250906301

XXXX

XXXX

XXXX

Closed

2024-11-07 13:47

2024-11-07 13:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2761272

Investor Post-Close

No

XXXX

20250906218

XXXX

XXXX

XXXX

Closed

2024-11-07 18:53

2024-11-07 18:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2765177

Investor Post-Close

No

XXXX

20250906337

XXXX

XXXX

XXXX

Closed

2024-11-07 15:17

2024-11-07 15:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2762240

Investor Post-Close

No

XXXX

20250906357

XXXX

XXXX

XXXX

Closed

2024-11-08 13:27

2024-11-08 13:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/08/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/08/2024

XX

Investment

Refinance

Cash Out - Other

2770189

Investor Post-Close

No

XXXX

20250906260

XXXX

XXXX

XXXX

Closed

2024-11-12 18:00

2024-11-12 18:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/12/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/12/2024

XX

Primary Residence

Refinance

Cash Out - Other

2792581

Investor Post-Close

No

XXXX

20250906268

XXXX

XXXX

XXXX

Closed

2024-11-07 18:01

2024-11-13 17:25

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/13/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Auto loan #XXXX reported on final 1003 but not verified in loan file. Please provide documents or credit supplement to verify monthly debt. - Due Diligence Vendor-11/07/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/13/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2764530

N/A

N/A

XXXX

20250906268

XXXX

XXXX

XXXX

Closed

2024-11-07 18:08

2024-11-13 17:24

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received. - Due Diligence Vendor-11/13/2024 Ready for Review-Document Uploaded. PFA Auto loan document included in DTI - Buyer-11/13/2024 Open-Auto loan #XXXX reported on final 1003 but not verified in loan file. Please provide documents or credit supplement to verify monthly debt. - Due Diligence Vendor-11/07/2024

Resolved-Received. - Due Diligence Vendor-11/13/2024

Installment auto loan.pdf Capture.png

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2764624

N/A

N/A

XXXX

20250906268

XXXX

XXXX

XXXX

Closed

2024-11-07 18:10

2024-11-07 18:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2764648

Investor Post-Close

No

XXXX

20250905886

XXXX

XXXX

XXXX

Closed

2024-10-15 16:49

2024-10-15 17:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2601751

Investor Post-Close

No

XXXX

20250906150

XXXX

XXXX

XXXX

Closed

2024-10-11 14:34

2024-11-11 20:36

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Waived-Investor Waived.  Comp Factors provided.   - Due Diligence Vendor-11/11/2024 Escalated-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-10/31/2024 Escalated-Escalated for XX review. - Due Diligence Vendor-10/17/2024 Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. - Seller-10/16/2024 Open-Borrower 2 Gap Credit Report is Missing Credit report provided is 88 days old as of Note date; guides require the report to be dated within 60 days.  - Due Diligence Vendor-10/11/2024

ok with comp factors  - 10/31/2024 Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. - Seller-10/16/2024

Waived-Investor Waived.  Comp Factors provided.   - Due Diligence Vendor-11/11/2024

FICO 718;  Residual income $XXX;  DTI and CLTV under requirements

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2577636

Investor Post-Close

No

XXXX

20250906150

XXXX

XXXX

XXXX

Closed

2024-10-11 15:01

2024-11-06 16:19

Resolved

1 - Information

Compliance

Disclosure

TILA: NORTC Missing for one or more borrowers/vested parties

Resolved-Lender provided a post-closing CD, as well as a post-closing NORTC. The documentation submitted is deemed acceptable. Condition cleared.   - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Uploaded redisclosure package which included an RTC and proof of delivery. - Seller-11/02/2024 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded redisclosure package which included an RTC and proof of delivery. - Seller-11/02/2024

Resolved-Lender provided a post-closing CD, as well as a post-closing NORTC. The documentation submitted is deemed acceptable. Condition cleared.   - Due Diligence Vendor-11/06/2024

redisclosure package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2577968

N/A

N/A

XXXX

20250906150

XXXX

XXXX

XXXX

Closed

2024-10-11 14:34

2024-10-31 17:14

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-10/31/2024 Escalated- - Due Diligence Vendor-10/30/2024 Escalated-Escalated for XX Review  - Due Diligence Vendor-10/25/2024 Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. - Seller-10/16/2024 Open-Borrower 1 Gap Credit Report is Missing Credit report provided is 88 days old as of Note date; guides require the report to be dated within 60 days.  - Due Diligence Vendor-10/11/2024

ok with comp factors  - 10/31/2024 Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. - Seller-10/16/2024

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-10/31/2024

FICO 718;  Residual income $XXX;  DTI and CLTV under requirements

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2577635

Investor Post-Close

No

XXXX

20250906150

XXXX

XXXX

XXXX

Closed

2024-10-11 15:59

2024-10-30 23:52

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved- - Due Diligence Vendor-10/30/2024 Resolved-Client provided flood certification.  Condition cleared.  - Due Diligence Vendor-10/21/2024 Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Uploaded LOL Flood cert - Seller-10/19/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded.  - Seller-10/15/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded LOL Flood cert - Seller-10/19/2024  Ready for Review-Document Uploaded.  - Seller-10/15/2024

Resolved-  - Due Diligence Vendor-10/30/2024  Resolved-Client provided flood certification.  Condition cleared.  - Due Diligence Vendor-10/21/2024  Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/21/2024

XXXXXXXXXX_FloodCertLOL.pdf XXXXXXXXXX LOL Flood cert.pdf

Missing Flood Certificate

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2578804

N/A

N/A

XXXX

20250906150

XXXX

XXXX

XXXX

Closed

2024-10-11 13:36

2024-10-30 23:51

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Client provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/21/2024 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/19/2024 Ready for Review-Document Uploaded.  - Seller-10/15/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/19/2024  Ready for Review-Document Uploaded.  - Seller-10/15/2024

Resolved-Client provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/21/2024  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/21/2024

XXXXXXXXXX_FraudReport.pdf XXXXXXXXXX Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2576828

N/A

N/A

XXXX

20250906150

XXXX

XXXX

XXXX

Closed

2024-10-11 18:51

2024-10-30 15:47

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Acknowledged by Client.   - Due Diligence Vendor-10/30/2024 Open-Privacy Notice Required - Missing or Incomplete - Due Diligence Vendor-10/11/2024

Acknowledged-Acknowledged by Client.   - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2580990

Investor Post-Close

No

XXXX

20250906150

XXXX

XXXX

XXXX

Closed

2024-10-15 16:51

2024-10-15 17:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601774

Investor Post-Close

No

XXXX

20250906033

XXXX

XXXX

XXXX

Closed

2024-10-16 18:59

2024-11-06 21:20

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024 Ready for Review-Please escalate to XX. - Seller-11/03/2024 Counter-Lender provided the AVM printout which is not sufficient. Per Compliance direction, provide the actual PDF for the AVM. Condition remains.  - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. value and confidence score towards bottom of page 1 - Seller-10/19/2024 Open-Appraisal or other primary valuation product is missing AVM order form provided in file. Provide actual AVM document.  - Due Diligence Vendor-10/16/2024

Ready for Review-Please escalate to XX. - Seller-11/03/2024  Ready for Review-Document Uploaded. value and confidence score towards bottom of page 1 - Seller-10/19/2024

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024

XXXXXXXXXX AVM.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2614952

N/A

N/A

XXXX

20250906033

XXXX

XXXX

XXXX

Closed

2024-10-16 17:05

2024-10-30 15:47

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Acknowledged by Client.   - Due Diligence Vendor-10/30/2024 Open-Privacy Notice Required - Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client.   - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2613186

Investor Post-Close

No

XXXX

20250906033

XXXX

XXXX

XXXX

Closed

2024-10-16 17:04

2024-10-22 18:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2613172

Investor Post-Close

No

XXXX

20250905776

XXXX

XXXX

XXXX

Closed

2024-10-13 15:31

2024-11-07 13:21

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024 Ready for Review-Please escalate to XX - Seller-11/03/2024 Counter-Lender provided the AVM printout which is not sufficient. Per Compliance direction, provide the actual PDF for the AVM. Condition remains.  - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. Value only AVM, value and confidence score typically shown towards bottom of page 1 - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. This is a Value Only AVM please see bottom of page 1 for value and confidence score. Thank you. - Seller-10/16/2024 Open-Appraisal or other primary valuation product is missing Guidelines require an AVM to support value. The file only contained the order form for the AVM but not the actual AVM document. Additional conditions may apply.  - Due Diligence Vendor-10/13/2024

Ready for Review-Please escalate to GS - Seller-11/03/2024  Ready for Review-Document Uploaded. Value only AVM, value and confidence score typically shown towards bottom of page 1 - Seller-10/18/2024  Ready for Review-Document Uploaded. This is a Value Only AVM please see bottom of page 1 for value and confidence score. Thank you. - Seller-10/16/2024

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024

Value Only AVM.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2586527

N/A

N/A

XXXX

20250905776

XXXX

XXXX

XXXX

Closed

2024-10-14 18:37

2024-10-22 18:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

XX

Primary Residence

Refinance

Cash Out - Other

2593097

Investor Post-Close

No

XXXX

20250905789

XXXX

XXXX

XXXX

Closed

2024-10-11 20:06

2025-01-15 15:05

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/23/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded final 1008 - Seller-10/23/2024 Counter-Lender provided a 1008 that was not for the subject borrower.  Condition remains.  - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Uploaded Final 1008 - Seller-10/19/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded final 1008 - Seller-10/23/2024  Ready for Review-Document Uploaded. Uploaded Final 1008 - Seller-10/19/2024

Resolved-Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/23/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024

Final 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2581963

N/A

N/A

XXXX

20250905789

XXXX

XXXX

XXXX

Closed

2024-10-15 19:17

2024-11-21 18:50

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Lender provided evidence that original name for the Title Search Abstract fee was incorrect.  Fee name was updated and condition is cleared.  - Due Diligence Vendor-11/21/2024 Resolved-Resolved - Due Diligence Vendor-11/21/2024 Ready for Review-Per XXXXXXXX/XXXXXXXX request uploaded attestation and response From PC area is as follows - Only required to cure 10% of fees in section B of CD. Recording Service Fee, Disbursement Fee & Notary Fee.  - Seller-11/20/2024 Open-Lender provided the fee variance worksheet.  The cure of $XXX is insufficient for the required cure of $XXX.XX.  Condition remains.   - Due Diligence Vendor-11/12/2024 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-11/12/2024 Resolved- - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. uploaded fee variance worksheet - Seller-11/12/2024 Counter-XXXXXXXX report posted to Bulletin Board.   - Due Diligence Vendor-10/29/2024 Ready for Review-Please provide your calculation worksheet breakdown of details or report regarding the tolerance cure deficiencies. - Seller-10/25/2024 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-10/15/2024

Ready for Review-Per XXXXX/XXXXXXXX request uploaded attestation and response From PC area is as follows - Only required to cure 10% of fees in section B of CD. Recording Service Fee, Disbursement Fee & Notary Fee.  - Seller-11/20/2024  Ready for Review-Document Uploaded. uploaded fee variance worksheet - Seller-11/12/2024  Ready for Review-Please provide your calculation worksheet breakdown of details or report regarding the tolerance cure deficiencies. - Seller-10/25/2024

Resolved-Lender provided evidence that original name for the Title Search Abstract fee was incorrect.  Fee name was updated and condition is cleared.  - Due Diligence Vendor-11/21/2024  Resolved-Resolved - Due Diligence Vendor-11/21/2024  Resolved- - Due Diligence Vendor-11/12/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2604004

N/A

N/A

XXXX

20250905789

XXXX

XXXX

XXXX

Closed

2024-10-15 19:17

2024-11-21 18:50

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Lender provided evidence that original name for the Title Search Abstract fee was incorrect.  Fee name was updated and condition is cleared.  - Due Diligence Vendor-11/21/2024 Resolved-Resolved - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. Per XXXXXXXX/XXXXXXXX request uploaded attestation and response From PC area is as follows - Only required to cure 10% of fees in section B of CD. Recording Service Fee, Disbursement Fee & Notary Fee.  - Seller-11/20/2024 Open-Lender provided the fee variance worksheet.  The cure of $XXX is insufficient for the required cure of $XXX.XX.  Condition remains.   - Due Diligence Vendor-11/12/2024 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-11/12/2024 Resolved- - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. uploaded fee variance - Seller-11/12/2024 Counter-XXXXXXXX report posted to Bulletin Board.   - Due Diligence Vendor-10/29/2024 Ready for Review-Please provide your calculation worksheet breakdown of details or report regarding the tolerance cure deficiencies. - Seller-10/25/2024 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. Per XXXXXX XXXXXXX request uploaded attestation and response From PC area is as follows - Only required to cure 10% of fees in section B of CD. Recording Service Fee, Disbursement Fee & Notary Fee.  - Seller-11/20/2024  Ready for Review-Document Uploaded. uploaded fee variance - Seller-11/12/2024  Ready for Review-Please provide your calculation worksheet breakdown of details or report regarding the tolerance cure deficiencies. - Seller-10/25/2024

Resolved-Lender provided evidence that original name for the Title Search Abstract fee was incorrect.  Fee name was updated and condition is cleared.  - Due Diligence Vendor-11/21/2024  Resolved-Resolved - Due Diligence Vendor-11/21/2024  Resolved- - Due Diligence Vendor-11/12/2024

package.pdf attestation.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2604002

N/A

N/A

XXXX

20250905789

XXXX

XXXX

XXXX

Closed

2024-10-15 18:55

2024-10-25 15:00

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2603686

N/A

N/A

XXXX

20250905789

XXXX

XXXX

XXXX

Closed

2024-10-11 18:52

2024-10-24 12:47

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/24/2024 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/24/2024 Ready for Review-Document Uploaded. Uploaded Fraud report. - Seller-10/24/2024 Counter-The Fraud Report cannot be opened.  Please reupload the fraud report. - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded Fraud report  - Seller-10/23/2024 Counter-Lender provided a Fraud Report that was not for the subject borrower.  Condition remains.   - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/19/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded Fraud report. - Seller-10/24/2024  Ready for Review-Document Uploaded. Uploaded Fraud report  - Seller-10/23/2024  Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/19/2024

Resolved-Lender provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/24/2024  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/24/2024

Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2580997

N/A

N/A

XXXX

20250905789

XXXX

XXXX

XXXX

Closed

2024-10-11 19:47

2024-10-23 13:00

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Lender provided the Flood Certification with flood zone as “X”.  Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded flood cert LOL - Seller-10/23/2024 Counter-Lender provided a Flood Certification that was not for the subject property.  Condition remains.  - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Uploaded LOL Flood certificate - Seller-10/19/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded flood cert LOL - Seller-10/23/2024  Ready for Review-Document Uploaded. Uploaded LOL Flood certificate - Seller-10/19/2024

Resolved-Lender provided the Flood Certification with flood zone as “X”.  Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/23/2024

Flood cert XXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2581736

N/A

N/A

XXXX

20250905789

XXXX

XXXX

XXXX

Closed

2024-10-15 18:35

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603371

Investor Post-Close

No

XXXX

20250905775

XXXX

XXXX

XXXX

Closed

2024-10-11 19:53

2024-10-29 19:36

Resolved

1 - Information

Compliance

Right to Rescind

TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (material jurisdictions)

Resolved-Lender provided corrected NORTC.  Condition cleared.   - Due Diligence Vendor-10/29/2024 Ready for Review-Document Uploaded. Uploaded re-disclosure package which shows recission was closed.  RTC sent to borrower with proof of delivery. Please re-visit. - Seller-10/25/2024 Open-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (material jurisdictions) - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded re-disclosure package which shows recission was closed.  RTC sent to borrower with proof of delivery. Please re-visit. - Seller-10/25/2024

Resolved-Lender provided corrected NORTC.  Condition cleared.   - Due Diligence Vendor-10/29/2024

XXXXXXXXXX RTC Re-disclosure package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2581807

N/A

N/A

XXXX

20250905775

XXXX

XXXX

XXXX

Closed

2024-10-15 14:23

2024-10-29 19:29

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/29/2024 Resolved-Lender provided a Rate Lock Confirmation. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. Lock uploaded - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded rate lock  - Seller-10/16/2024 Open-Evidence of Rate Lock Missing Provide evidence of rate lock date. Interest Rate Disclosure provided in file does not contain the actual lock date.  - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. Lock uploaded - Seller-10/18/2024  Ready for Review-Document Uploaded. Uploaded rate lock  - Seller-10/16/2024

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/29/2024  Resolved-Lender provided a Rate Lock Confirmation. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024

XXXXXXXXXX RateLock.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599444

N/A

N/A

XXXX

20250905775

XXXX

XXXX

XXXX

Closed

2024-10-15 14:14

2024-10-22 18:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599295

Investor Post-Close

No

XXXX

20250905775

XXXX

XXXX

XXXX

Closed

2024-10-15 14:49

2024-10-19 15:15

Resolved

1 - Information

Credit

Eligibility

Transaction Ineligible

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. 1st mortgage snapshot uploaded. - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded 1st Mortgage snapshot  - Seller-10/16/2024 Open-Guidelines require evidence that senior lien is currently within XXXXXXXX XXXX XXXXXXXX portfolio. Evidence missing from loan file.  - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. 1st mortgage snapshot uploaded. - Seller-10/18/2024  Ready for Review-Document Uploaded. Uploaded 1st Mortgage snapshot  - Seller-10/16/2024

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024

XXXXXXXXXX_1stMortgage.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599973

N/A

N/A

XXXX

20250905775

XXXX

XXXX

XXXX

Closed

2024-10-11 19:37

2024-10-19 15:00

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Lender provided the Flood Certification with flood zone as “A”.  Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. uploaded LOL Flood cert - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded Flood LOL cert  - Seller-10/16/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. uploaded LOL Flood cert - Seller-10/18/2024  Ready for Review-Document Uploaded. Uploaded Flood LOL cert  - Seller-10/16/2024

Resolved-Lender provided the Flood Certification with flood zone as “A”.  Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/19/2024

XXXXXXXXXX FloodLOL.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2581609

N/A

N/A

XXXX

20250905775

XXXX

XXXX

XXXX

Closed

2024-10-15 14:55

2024-10-19 14:59

Resolved

1 - Information

Credit

Insurance

Flood Insurance Minimum Coverage Not Met

Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-10/19/2024 Escalated-Escalated for XX review. - Due Diligence Vendor-10/17/2024 Ready for Review-This is a known defect disclosed at time of bid, please clear or escalate to XX. Thank you. - Seller-10/16/2024 Open- Insufficient coverage - Origination Flood coverage $XXX,XXX.XX.  (1st mortgage upb $XXX,XXX.XX + $XX,XXX.XX = $XXX,XXX.XX combined).  Enough coverage for 1st and part of 2nd but short $XX,XXX.XX. - Due Diligence Vendor-10/15/2024

Ready for Review-This is a known defect disclosed at time of bid, please clear or escalate to XX. Thank you. - Seller-10/16/2024

Resolved-Flood Insurance Minimum Coverage Amount is met - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600087

N/A

N/A

XXXX

20250905775

XXXX

XXXX

XXXX

Closed

2024-10-11 17:56

2024-10-19 14:54

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided the Fraud Report, and any potential fraud issues have been validated or resolved. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. Fraud report uploaded - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded Fraud Report  - Seller-10/16/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Fraud report uploaded - Seller-10/18/2024  Ready for Review-Document Uploaded. Uploaded Fraud Report  - Seller-10/16/2024

Resolved-Lender provided the Fraud Report, and any potential fraud issues have been validated or resolved. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/19/2024

XXXXXXXXXX FraudReport.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2580194

N/A

N/A

XXXX

20250905775

XXXX

XXXX

XXXX

Closed

2024-10-11 17:56

2024-10-19 14:53

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided sufficient evidence for the exclusionary list via the fraud report. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/19/2024 Ready for Review-Please provide clarification as to what is missing specifically. Thank you.  - Seller-10/16/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/11/2024

Ready for Review-Please provide clarification as to what is missing specifically. Thank you.  - Seller-10/16/2024

Resolved-Lender provided sufficient evidence for the exclusionary list via the fraud report. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2580192

N/A

N/A

XXXX

20250905925

XXXX

XXXX

XXXX

Closed

2024-10-13 12:51

2024-11-07 15:15

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/07/2024 Resolved-An AVM Report was provided. Variance within tolerance. Condition cleared. - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. Value Only AVM, value and confidence score is towards bottom of 1st page. - Seller-10/18/2024   Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded AVM    - Seller-10/16/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/13/2024

Ready for Review-Document Uploaded. Value Only AVM, value and confidence score is towards bottom of 1st page. - Seller-10/18/2024  Ready for Review-Document Uploaded. Uploaded AVM  - Seller-10/16/2024

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/07/2024  Resolved-An AVM Report was provided. Variance within tolerance. Condition cleared. - Due Diligence Vendor-10/19/2024

XXXXXXXXXX AVM.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586213

N/A

N/A

XXXX

20250905925

XXXX

XXXX

XXXX

Closed

2024-10-13 12:46

2024-10-31 16:57

Waived

2 - Non-Material

Credit

Missing Doc

Title Document Missing

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-10/31/2024 Escalated-Escalated for XX Review - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Lender guidelines required a junior policy.  Lender provided an O&E.  Escalating loan to XX for review. - Due Diligence Vendor-10/24/2024 Open-Title Document is missing - Due Diligence Vendor-10/24/2024 Ready for Review-Document Uploaded. The 2nd's do not have title, they have an O&E search report. O&E uploaded. - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded O&E report  - Seller-10/16/2024 Open-Title Document is missing - Due Diligence Vendor-10/13/2024

ok to waive meets XX guide  - 10/31/2024 Ready for Review-Document Uploaded. The 2nd's do not have title, they have an O&E search report. O&E uploaded. - Seller-10/18/2024  Ready for Review-Document Uploaded. Uploaded O&E report  - Seller-10/16/2024

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-10/31/2024

XXXXXXXXXX OE title report.pdf XXXXXXXXXX OE title report.pdf

67.85% CLTV vs gls allow 75%, 12 years in same field, residual income $X,XXX.XX

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586193

Investor Post-Close

No

XXXX

20250905925

XXXX

XXXX

XXXX

Closed

2024-10-13 13:25

2024-10-30 15:10

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Credit Score Disclosure (FACTA)

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-Missing Credit Score Disclosure (FACTA) - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586268

Investor Post-Close

No

XXXX

20250905925

XXXX

XXXX

XXXX

Closed

2024-10-13 13:24

2024-10-19 14:29

Resolved

1 - Information

Credit

Missing Doc

Missing VVOE dated within 10 days consummation

Resolved-Lender provided a VOE within 10 days of the Note date for the borrower. Documentation is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. VVOE is within 10 days of Note date. VVOE uploaded. - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. 3rd Party VVOE is within 10 days of Note Date. Uploaded 3rd party VVOE.  - Seller-10/16/2024 Open-VVOE missing from borrower-1 current employment. - Due Diligence Vendor-10/13/2024

Ready for Review-Document Uploaded. VVOE is within 10 days of Note date. VVOE uploaded. - Seller-10/18/2024  Ready for Review-Document Uploaded. 3rd Party VVOE is within 10 days of Note Date. Uploaded 3rd party VVOE.  - Seller-10/16/2024

Resolved-Lender provided a VOE within 10 days of the Note date for the borrower. Documentation is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024

XXXXXXXXXX VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586266

N/A

N/A

XXXX

20250905925

XXXX

XXXX

XXXX

Closed

2024-10-16 10:44

2024-10-19 14:28

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided a VOE within 10 days of the Note date for the borrower. Documentation is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. VVOE within 10 days of Note date. - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. 3rd Party VVOE is within 10 days of Note Date. Uploaded 3rd party VVOE.  - Seller-10/16/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded. VVOE within 10 days of Note date. - Seller-10/18/2024  Ready for Review-Document Uploaded. 3rd Party VVOE is within 10 days of Note Date. Uploaded 3rd party VVOE.  - Seller-10/16/2024

Resolved-Lender provided a VOE within 10 days of the Note date for the borrower. Documentation is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024

XXXXXXXXXX VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608206

N/A

N/A

XXXX

20250905925

XXXX

XXXX

XXXX

Closed

2024-10-13 13:44

2024-10-19 14:14

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided sufficient evidence for the exclusionary list via the fraud report. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. If the fraud report does not cure this deficiency, please provide clarification as to which persons, etc were not on the exclusionary list. Thank you. - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024   Ready for Review-Document Uploaded. Please provide clarification as to what is missing specifically. Thank you.    - Seller-10/16/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/13/2024

Ready for Review-Document Uploaded. If the fraud report does not cure this deficiency, please provide clarification as to which persons, etc were not on the exclusionary list. Thank you. - Seller-10/18/2024  Ready for Review-Document Uploaded. Please provide clarification as to what is missing specifically. Thank you.  - Seller-10/16/2024

Resolved-Lender provided sufficient evidence for the exclusionary list via the fraud report. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/19/2024

XXXXXXXXXX FraudReport.pdf XXXXXXXXXX FraudReport.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586308

N/A

N/A

XXXX

20250905925

XXXX

XXXX

XXXX

Closed

2024-10-13 13:40

2024-10-19 14:13

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided the Fraud Report, and any potential fraud issues have been validated or resolved. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. Fraud report uploaded. - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded Fraud Report  - Seller-10/16/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/13/2024

Ready for Review-Document Uploaded. Fraud report uploaded. - Seller-10/18/2024  Ready for Review-Document Uploaded. Uploaded Fraud Report  - Seller-10/16/2024

Resolved-Lender provided the Fraud Report, and any potential fraud issues have been validated or resolved. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/19/2024

XXXXXXXXXX FraudReport.pdf XXXXXXXXXX FraudReport.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586289

N/A

N/A

XXXX

20250905925

XXXX

XXXX

XXXX

Closed

2024-10-13 13:27

2024-10-19 14:07

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Lender provided the Flood Certification with flood zone as “X”.  Documentation submitted is deemed acceptable, condition cleared.   - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. Uploaded LOL Flood cert - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded LOL Flood cert  - Seller-10/16/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/13/2024

Ready for Review-Document Uploaded. Uploaded LOL Flood cert - Seller-10/18/2024  Ready for Review-Document Uploaded. Uploaded LOL Flood cert  - Seller-10/16/2024

Resolved-Lender provided the Flood Certification with flood zone as “X”.  Documentation submitted is deemed acceptable, condition cleared.  - Due Diligence Vendor-10/19/2024

XXXXXXXXXX LOLFlood.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586273

N/A

N/A

XXXX

20250905925

XXXX

XXXX

XXXX

Closed

2024-10-16 10:43

2024-10-16 10:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608204

Investor Post-Close

No

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-17 10:33

2024-11-19 14:12

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024 Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/07/2024 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Escalated loan to XX for review regarding known issue.  - Due Diligence Vendor-10/23/2024 Ready for Review-This was a known defect disclosed on bid tape. Calculated investor qualifying total debt ratio of 50.18648% exceeds guideline total debt ratio of 49.99% .   - Seller-10/21/2024 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-10/17/2024

Ready for Review-This was a known defect disclosed on bid tape. Calculated investor qualifying total debt ratio of 50.18648% exceeds guideline total debt ratio of 49.99% .   - Seller-10/21/2024

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024  Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2618961

N/A

N/A

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-11 16:55

2024-11-19 14:12

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Lender provided a VVOE dated XX/XX/XXXX.  Condition cleared.  - Due Diligence Vendor-10/21/2024 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. I did locate a Verification in the file from a 3rd party within 10 days of Note. - Seller-10/19/2024 Ready for Review-VVOEs were not required per UW guidelines LCC CD V22.3 dated XX/XX/XXXX - Seller-10/19/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE is Missing in file  - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. I did locate a Verification in the file from a 3rd party within 10 days of Note. - Seller-10/19/2024  Ready for Review-VVOEs were not required per UW guidelines LCC CD V22.3 dated XX/XX/XXXX - Seller-10/19/2024

Resolved-Lender provided a VVOE dated XX/XX/XXXX.  Condition cleared.  - Due Diligence Vendor-10/21/2024  Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/21/2024

XXXXXXXXXX 3rd party VVOE within 10 days of Note.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2579431

N/A

N/A

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-17 10:17

2024-11-19 14:12

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided a VVOE dated XX/XX/XXXX.  Condition cleared.  - Due Diligence Vendor-10/21/2024 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. "VVOEs were not required per UW guidelines LCC CD V22.3 dated XX/XX/XXXX However, I did find a VVOE within 10 days and uploaded."  - Seller-10/21/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. "VVOEs were not required per UW guidelines LCC CD V22.3 dated XX/XX/XXXX However, I did find a VVOE within 10 days and uploaded."  - Seller-10/21/2024

Resolved-Lender provided a VVOE dated XX/XX/XXXX.  Condition cleared.  - Due Diligence Vendor-10/21/2024  Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/21/2024

XXXXXXXXXX VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2618896

N/A

N/A

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-11 19:19

2024-11-19 14:10

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/07/2024 Resolved-Approval/Underwriting Summary is fully present.  Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Unsure why this was re-opened, no explanation given.  Please re-visit - Seller-11/05/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/22/2024 Resolved-Lender provided 1008.  Condition cleared.  - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Uploaded Final 1008 - Seller-10/19/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Unsure why this was re-opened, no explanation given.  Please re-visit - Seller-11/05/2024  Ready for Review-Document Uploaded. Uploaded Final 1008 - Seller-10/19/2024

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/07/2024  Resolved-Approval/Underwriting Summary is fully present.  Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/06/2024  Resolved-Lender provided 1008.  Condition cleared.  - Due Diligence Vendor-10/21/2024

XXXXXXXXXX Final 1008.pdf 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2581350

N/A

N/A

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-16 13:38

2024-11-13 23:47

Waived

2 - Non-Material

Credit

Missing Doc

Missing W-2 (Borrower 1)

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/13/2024 Unable to Resolve-Seller is unable to resolve this condition.   - Due Diligence Vendor-11/12/2024 Counter-Lender provided TWN report for the borrower's current job that was provided in the loan file.  The current employment began on XX/XX/XXXX and the subject loan closed on XX/XX/XXXX therefore less than 9 months of employment and income was verified.  The income documentation being requested is from the prior employment.  Please provide 2 years W-2s from the prior employers.  Condition remains.   - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. A 3rd party VOI was obtained which includes current and prior year income. - Seller-10/21/2024 Open-Lender's guidelines require 2 years' W-2.  Two years' W-2 not provided for Borrower's job listed on the application. Lender's Guidelines require a W-2 from the prior year. The W-2 from the prior employer was not provided. - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded. A 3rd party VOI was obtained which includes current and prior year income. - Seller-10/21/2024

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/13/2024

XXXXXXXXXX VOI.pdf

FICO 721;  Borrower with 4+ years in the home as their primary residence; residual income of $XXXX;

XX

Primary Residence

Refinance

Cash Out - Other

2609734

Investor Post-Close

No

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-22 12:37

2024-11-11 20:42

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024 Escalated- - Due Diligence Vendor-11/07/2024 Open-Audited CLTV of 80.04% exceeds Guideline CLTV of 80% - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review - Due Diligence Vendor-11/06/2024 Open-Audited CLTV of 80.04% exceeds Guideline CLTV of 80% - Due Diligence Vendor-11/06/2024 Escalated-Lender requested condition to be escalated to XX for consideration.   - Due Diligence Vendor-10/31/2024 Unable to Resolve-Unable to Resolve-Please escalate to XX to see if they would make an exception for DTI >80% at 80.04%.  Agree - recalculated CLTV is 80.04% 1st mortgage from credit XXX,XXX.XX, 1st mortgage snapshot reflects $XXX,XXX.XX, used XXX,XXX.XX+$XX,XXX.XX ($XXX,XXX.XX/XXX,XXX.XX) Underwriter used a balance of $XXX,XXX.XX + $XX,XXX.XX per Encompass 1003 URLA page 3 for a CLTV of 79.53% - Seller-10/28/2024 Open-First lien balance of $XXX,XXX.XX plus the subject lien of $XX,XXX.XX with a property value of $XXX,XXX.XX results in a CLTV of 80.04%.  The guidelines limit the CLTV to 80%.   - Due Diligence Vendor-10/22/2024 Open-Audited CLTV of 80.04% exceeds Guideline CLTV of 80% - Due Diligence Vendor-10/22/2024

Unable to Resolve-Unable to Resolve-Please escalate to XX to see if they would make an exception for DTI >80% at 80.04%.  Agree - recalculated CLTV is 80.04% 1st mortgage from credit XXX,XXX, 1st mortgage snapshot reflects $XXX,XXX.XX, used XXX,XXX+$XXXXX ($XXXXXXX/XXXXXX) Underwriter used a balance of $XXX,XXX.XX + $XXXXX per Encompass 1003 URLA page 3 for a CLTV of 79.53% - Seller-10/28/2024

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024

FICO 721;  Residual income $XXXX;  Borrowers primary home and only has 1 financed property.

XX

Primary Residence

Refinance

Cash Out - Other

2653955

Investor Post-Close

No

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-14 09:53

2024-11-07 19:29

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-11/07/2024 Open-Audited DTI of 50.19% exceeds Guideline DTI of 49.99% - Due Diligence Vendor-11/07/2024 Escalated- - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review - Due Diligence Vendor-11/06/2024 Open-Audited DTI of 50.19% exceeds Guideline DTI of 49.99% - Due Diligence Vendor-11/06/2024 Escalated-Escalated for XX Review  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Escalated loan to XX for review regarding known issue.  - Due Diligence Vendor-10/23/2024 Open-Audited DTI of 50.19% exceeds Guideline DTI of 49.99% - Due Diligence Vendor-10/22/2024 Ready for Review-This was a known defect disclosed on bid tape. Calculated investor qualifying total debt ratio of 50.18648% exceeds guideline total debt ratio of 49.99%.   - Seller-10/21/2024 Open-Audited DTI of 50.19% exceeds Guideline DTI of 49.99% Audit value based on lender qualifying requirements. - Due Diligence Vendor-10/14/2024

ok with comp factors  - 11/07/2024 Ready for Review-This was a known defect disclosed on bid tape. Calculated investor qualifying total debt ratio of 50.18648% exceeds guideline total debt ratio of 49.99%.   - Seller-10/21/2024

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-11/07/2024

FICO 721; Residual income $X,XXX.XX;  Borrowers primary residence

XX

Primary Residence

Refinance

Cash Out - Other

2587844

Investor Post-Close

No

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-11 19:47

2024-10-30 15:10

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Credit Score Disclosure (FACTA)

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-Missing Credit Score Disclosure (FACTA) - Due Diligence Vendor-10/11/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2581738

Investor Post-Close

No

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-11 16:47

2024-10-21 18:19

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Client provided a Fraud Report with evidence all interested parties were checked against the exclusionary list.  Condition cleared.   - Due Diligence Vendor-10/21/2024 Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Uploaded Fraud report, if this does not satisfy the deficiency please advise as to what parties are missing from exclusionary list. Thank you.  - Seller-10/19/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded Fraud report, if this does not satisfy the deficiency please advise as to what parties are missing from exclusionary list. Thank you.  - Seller-10/19/2024

Resolved-Client provided a Fraud Report with evidence all interested parties were checked against the exclusionary list.  Condition cleared.   - Due Diligence Vendor-10/21/2024  Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/21/2024

XXXXXXXXXX Fraud Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2579338

N/A

N/A

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-11 14:15

2024-10-21 18:18

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Client provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/21/2024 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/19/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/19/2024

Resolved-Client provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/21/2024  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/21/2024

XXXXXXXXXX Fraud Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2577340

N/A

N/A

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-11 14:58

2024-10-21 18:15

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Lender provided Flood Certification.  Condition cleared.  - Due Diligence Vendor-10/21/2024 Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Uploaded LOL Flood certificate - Seller-10/19/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded LOL Flood certificate - Seller-10/19/2024

Resolved-Lender provided Flood Certification.  Condition cleared.  - Due Diligence Vendor-10/21/2024  Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/21/2024

XXXXXXXXXX LOL Flood cert.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2577930

N/A

N/A

XXXX

20250905645

XXXX

XXXX

XXXX

Closed

2024-10-16 13:36

2024-10-17 10:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609689

Investor Post-Close

No

XXXX

20250905762

XXXX

XXXX

XXXX

Closed

2024-10-11 20:51

2025-03-06 15:20

Resolved

1 - Information

Compliance

Rescission:Variance

Federal - Right of Rescission Variance Failure (TILA)

Resolved-Lender provided evidence of re-opened RTC.  Condition cleared.   - Due Diligence Vendor-03/06/2025 Resolved- - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. Uploaded previous redisclosure package. - Seller-10/25/2024 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Borrowers did not sign the Right to Cancel form until XX/XX/XXXX. The correct expiration date should be XX/XX/XXXX. The expiration date on the Right to cancel was XX/XX/XXXX.  - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded previous redisclosure package. - Seller-10/25/2024

Resolved-Lender provided evidence of re-opened RTC.  Condition cleared.   - Due Diligence Vendor-03/06/2025  Resolved-  - Due Diligence Vendor-10/25/2024

XXXXXXXXXX redisclosure package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2582440

N/A

N/A

XXXX

20250905762

XXXX

XXXX

XXXX

Closed

2024-10-16 13:52

2024-11-07 19:36

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Escalated loan to XX for review regarding known issue.  - Due Diligence Vendor-10/23/2024 Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. " DTI - Final 1008 did not include the XXXX $XXX/mo, no asset statements provided, not a 30-day account, it's revolving. DTI increases to 51%. " - Seller-10/21/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender did not include the XXXX monthly payment of $XXX in the qualifying DTI. The loan file did not include any assets to offset the monthly balance. The DTI, including the $XXX payment increased to 51.00%, which exceeds the maximum allowed by guidelines.  - Due Diligence Vendor-10/16/2024

Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. " DTI - Final 1008 did not include the XXXX $XXX/mo, no asset statements provided, not a 30-day account, it's revolving. DTI increases to 51%. " - Seller-10/21/2024

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609950

N/A

N/A

XXXX

20250905762

XXXX

XXXX

XXXX

Closed

2024-10-17 10:46

2024-11-07 19:36

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024 Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/07/2024 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Escalated loan to XX for review regarding known issue.  - Due Diligence Vendor-10/23/2024 Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. " DTI - Final 1008 did not include the XXXX $XXX/mo, no asset statements provided, not a 30-day account, it's revolving. DTI increases to 51%. " - Seller-10/21/2024 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-10/17/2024

Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. " DTI - Final 1008 did not include the XXXX $XXX/mo, no asset statements provided, not a 30-day account, it's revolving. DTI increases to 51%. " - Seller-10/21/2024

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024  Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619000

N/A

N/A

XXXX

20250905762

XXXX

XXXX

XXXX

Closed

2024-10-16 14:17

2024-11-07 19:34

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Escalated loan to XX for review regarding known issue.  - Due Diligence Vendor-10/23/2024 Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. " DTI - Final 1008 did not include the XXXX $XXX/mo, no asset statements provided, not a 30-day account, it's revolving. DTI increases to 51%. " - Seller-10/21/2024 Open-Audited DTI of 51% exceeds Guideline DTI of 49.99% Guidelines allow a maximum DTI of 49.99%. Lender did not include the XXXX monthly payment of $XXX in the qualifying DTI. The loan file did not include any assets to offset the monthly balance. The DTI, including the $XXX payment increased to 51.00%, which exceeds the maximum allowed by guidelines.  - Due Diligence Vendor-10/16/2024

Ready for Review-This was a known defect disclosed on bid tape. Please clear or escalate to XX. " DTI - Final 1008 did not include the XXXX $XXX/mo, no asset statements provided, not a 30-day account, it's revolving. DTI increases to 51%. " - Seller-10/21/2024

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-11/07/2024

FICO 734;  Residual income $X,XXX.XX;  8 years in the home as primary residence

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2610333

Investor Post-Close

No

XXXX

20250905762

XXXX

XXXX

XXXX

Closed

2024-10-16 13:22

2024-10-22 13:57

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided the Fraud Report with proof of interest parties checked.  Condition cleared.  - Due Diligence Vendor-10/22/2024 Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "Uploaded Fraud report, if this does not satisfy the deficiency please advise as to what parties are missing from exclusionary list. Thank you."   - Seller-10/19/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded. "Uploaded Fraud report, if this does not satisfy the deficiency please advise as to what parties are missing from exclusionary list. Thank you. "  - Seller-10/19/2024

Resolved-Lender provided the Fraud Report with proof of interest parties checked.  Condition cleared.  - Due Diligence Vendor-10/22/2024  Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/22/2024

XXXXXXXXXX Fraud Report.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609493

N/A

N/A

XXXX

20250905762

XXXX

XXXX

XXXX

Closed

2024-10-11 18:51

2024-10-22 13:57

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided the Fraud Report.  Condition cleared.  - Due Diligence Vendor-10/22/2024 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/19/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/19/2024

Resolved-Lender provided the Fraud Report.  Condition cleared.  - Due Diligence Vendor-10/22/2024  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/22/2024

XXXXXXXXXX Fraud Report.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2580989

N/A

N/A

XXXX

20250905762

XXXX

XXXX

XXXX

Closed

2024-10-11 20:26

2024-10-22 13:51

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Lender provided Flood Certificate.  Condition cleared.  - Due Diligence Vendor-10/22/2024 Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. Uploaded LOL Flood certificate - Seller-10/19/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded LOL Flood certificate - Seller-10/19/2024

Resolved-Lender provided Flood Certificate.  Condition cleared.  - Due Diligence Vendor-10/22/2024  Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/22/2024

XXXXXXXXXX LOL Flood cert.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2582173

N/A

N/A

XXXX

20250905762

XXXX

XXXX

XXXX

Closed

2024-10-16 14:32

2024-10-17 10:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2610578

Investor Post-Close

No

XXXX

20250905785

XXXX

XXXX

XXXX

Closed

2024-10-20 18:22

2024-11-07 19:40

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024 Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/07/2024 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated- Escalated loan to XX for review regarding known issue.  - Due Diligence Vendor-10/23/2024 Escalated-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements    - Due Diligence Vendor-10/20/2024

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024  Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642478

N/A

N/A

XXXX

20250905785

XXXX

XXXX

XXXX

Closed

2024-10-18 17:02

2024-11-07 19:39

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated- Escalated loan to XX for review regarding known issue.  - Due Diligence Vendor-10/23/2024 Open-Audited DTI of 51.21% exceeds Guideline DTI of 49.99% - Due Diligence Vendor-10/23/2024 Escalated-Audited DTI of 51.21% exceeds Guideline DTI of 49.99% DTI of 51.21% exceeds guideline DTI of 49.99% due to lender excluded the monthly mortgage insurance premium. - Due Diligence Vendor-10/18/2024

ok with comp factors  - 11/07/2024

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-11/07/2024

Borrower with 30 years in the same field work;  Residual income $X,XXX.XX

XX

Primary Residence

Refinance

Cash Out - Other

2633495

Investor Post-Close

No

XXXX

20250905785

XXXX

XXXX

XXXX

Closed

2024-10-14 19:09

2024-10-23 12:40

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided 1008.  Condition cleared.   - Due Diligence Vendor-10/23/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded Final 1008 - Seller-10/21/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. Uploaded Final 1008 - Seller-10/21/2024

Resolved-Lender provided 1008.  Condition cleared.   - Due Diligence Vendor-10/23/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024

XXXXXXXXXX 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2593569

N/A

N/A

XXXX

20250905785

XXXX

XXXX

XXXX

Closed

2024-10-14 19:23

2024-10-23 12:29

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/23/2024 Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded fraud report, if this does not satisfy the deficiency please provide clarification as to what parties are missing. Thank you. "  - Seller-10/21/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. "uploaded fraud report, if this does not satisfy the deficiency please provide clarification as to what parties are missing. Thank you. "  - Seller-10/21/2024

Resolved-Lender provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/23/2024  Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/23/2024

XXXXXXXXXX Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2593724

N/A

N/A

XXXX

20250905785

XXXX

XXXX

XXXX

Closed

2024-10-14 17:58

2024-10-23 12:29

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/23/2024 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/21/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. Uploaded Fraud report - Seller-10/21/2024

Resolved-Lender provided Fraud Report.  Condition cleared.   - Due Diligence Vendor-10/23/2024  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/23/2024

XXXXXXXXXX Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2592626

N/A

N/A

XXXX

20250905785

XXXX

XXXX

XXXX

Closed

2024-10-14 18:48

2024-10-23 12:19

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded LOL Flood Cert - Seller-10/21/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. Uploaded LOL Flood Cert - Seller-10/21/2024

Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/23/2024

XXXXXXXXXX LOL Flood cert.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2593264

N/A

N/A

XXXX

20250905785

XXXX

XXXX

XXXX

Closed

2024-10-20 18:03

2024-10-20 18:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642429

Investor Post-Close

No

XXXX

20250906000

XXXX

XXXX

XXXX

Closed

2024-10-11 16:55

2025-03-07 17:31

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "Uploaded Fraud report if this does not cure the deficiency please provide clarification as to which parties are  missing from exclusionary list check. Thank you "  - Seller-10/19/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. "Uploaded Fraud report if this does not cure the deficiency please provide clarification as to which parties are  missing from exclusionary list check. Thank you "  - Seller-10/19/2024

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-10/22/2024

XXXXXXXXXX Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2579420

N/A

N/A

XXXX

20250906000

XXXX

XXXX

XXXX

Closed

2024-10-11 16:55

2025-03-07 17:31

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided Fraud Report.  Condition cleared.  - Due Diligence Vendor-10/22/2024 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. Uploaded fraud report - Seller-10/19/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded fraud report - Seller-10/19/2024

Resolved-Lender provided Fraud Report.  Condition cleared.  - Due Diligence Vendor-10/22/2024  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/22/2024

XXXXXXXXXX Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2579423

N/A

N/A

XXXX

20250906000

XXXX

XXXX

XXXX

Closed

2024-10-11 19:01

2024-12-16 18:49

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided XX/XX/XXXX LE.  Condition cleared.   - Due Diligence Vendor-12/16/2024 Resolved-Resolved - Due Diligence Vendor-12/16/2024 Ready for Review-Document Uploaded. uploaded initial LE - Seller-12/16/2024 Counter-This is not an application date issue.  The Disclosure Tracking Summary provided indicates the initial LE was provided on XX/XX/XXXX and received by the borrower on XX/XX/XXXX.  Please provide that XX/XX/XXXX LE as it was not provided in the loan file.  Condition remains.    - Due Diligence Vendor-12/12/2024 Ready for Review-Please provide an update on this loan exception, it was to be escalated.  The dates on the Data Entry is the date the loan was created in Encompass In a lot of cases the creation date is before the actual application date. If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-12/12/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024 Counter-Lender provided a Disclosure Tracking Summary indicating the initial LE was provided on XX/XX/XXXX but the XX/XX/XXXX LE was not provided and is not in the loan file.  Please provide the XX/XX/XXXX LE.  Additional conditions may apply.  Condition remains.   - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded disclosure tracking. - Seller-10/29/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated (XX/XX/XXXX) and the application date is (XX/XX/XXXX). No Cure. - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. uploaded initial LE - Seller-12/16/2024  Ready for Review-Please provide an update on this loan exception, it was to be escalated.  The dates on the Data Entry is the date the loan was created in Encompass In a lot of cases the creation date is before the actual application date. If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-12/12/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024  Ready for Review-Document Uploaded. Uploaded disclosure tracking. - Seller-10/29/2024

Resolved-Lender provided XX/XX/XXXX LE.  Condition cleared.   - Due Diligence Vendor-12/16/2024  Resolved-Resolved - Due Diligence Vendor-12/16/2024

Disclosure tracking.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2581109

N/A

N/A

XXXX

20250906000

XXXX

XXXX

XXXX

Closed

2024-10-11 19:23

2024-10-30 15:10

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Credit Score Disclosure (FACTA)

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-Missing Credit Score Disclosure (FACTA) - Due Diligence Vendor-10/11/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2581403

Investor Post-Close

No

XXXX

20250906000

XXXX

XXXX

XXXX

Closed

2024-10-11 18:37

2024-10-25 15:05

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/11/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2580755

N/A

N/A

XXXX

20250906000

XXXX

XXXX

XXXX

Closed

2024-10-11 19:01

2024-10-22 19:30

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the HO Counseling disclosure dated XX/XX/XXXX.  Condition cleared.   - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "Uploaded HO Counseling disclosure and acknowledgement dated XX/XX/XXXX. "  - Seller-10/19/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. "Uploaded HO Counseling disclosure and acknowledgement dated 8/22/2022. "  - Seller-10/19/2024

Resolved-Lender provided the HO Counseling disclosure dated XX/XX/XXXX.  Condition cleared.   - Due Diligence Vendor-10/22/2024

XXXXXXXXXX HO Counseling Disc.pdf XXXXXXXXXX HO Acknowledgement.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2581107

N/A

N/A

XXXX

20250906000

XXXX

XXXX

XXXX

Closed

2024-10-11 18:51

2024-10-22 19:16

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Lender provided Flood Cert.  Condition cleared. - Due Diligence Vendor-10/22/2024 Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. Uploaded LOL Flood certificate - Seller-10/19/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded LOL Flood certificate - Seller-10/19/2024

Resolved-Lender provided Flood Cert.  Condition cleared. - Due Diligence Vendor-10/22/2024  Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/22/2024

XXXXXXXXXX LOL Flood cert.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2580978

N/A

N/A

XXXX

20250906000

XXXX

XXXX

XXXX

Closed

2024-10-16 20:53

2024-10-17 11:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2616442

Investor Post-Close

No

XXXX

20250905630

XXXX

XXXX

XXXX

Closed

2024-10-14 13:14

2024-10-23 13:37

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Lender provided the Flood Certification with flood zone as “X”.  Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded LOL Flood cert"  - Seller-10/23/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. "uploaded LOL Flood cert"  - Seller-10/23/2024

Resolved-Lender provided the Flood Certification with flood zone as “X”.  Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/23/2024

XXXXXXXXXX LOL Flood cert.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2588796

N/A

N/A

XXXX

20250905630

XXXX

XXXX

XXXX

Closed

2024-10-14 12:35

2024-10-23 13:32

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided the Fraud Report, and any potential fraud issues have been validated or resolved. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded Fraud report"  - Seller-10/23/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. "uploaded Fraud report"  - Seller-10/23/2024

Resolved-Lender provided the Fraud Report, and any potential fraud issues have been validated or resolved. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/23/2024

XXXXXXXXXX Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2588462

N/A

N/A

XXXX

20250905630

XXXX

XXXX

XXXX

Closed

2024-10-14 12:35

2024-10-23 13:30

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Lender provided sufficient evidence for the OFAC check via the fraud report. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded Fraud report" - Seller-10/23/2024 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. "uploaded Fraud report" - Seller-10/23/2024

Resolved-Lender provided sufficient evidence for the OFAC check via the fraud report. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/23/2024

XXXXXXXXXX Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2588461

N/A

N/A

XXXX

20250905630

XXXX

XXXX

XXXX

Closed

2024-10-14 12:35

2024-10-23 13:30

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided sufficient evidence for the exclusionary list via the fraud report. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded Fraud report" - Seller-10/23/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. "uploaded Fraud report" - Seller-10/23/2024

Resolved-Lender provided sufficient evidence for the exclusionary list via the fraud report. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/23/2024

XXXXXXXXXX Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2588460

N/A

N/A

XXXX

20250905630

XXXX

XXXX

XXXX

Closed

2024-10-15 12:11

2024-10-20 15:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597732

Investor Post-Close

No

XXXX

20250905883

XXXX

XXXX

XXXX

Closed

2024-10-17 14:05

2024-11-19 15:25

Resolved

1 - Information

Compliance

Right to Rescind

TILA: Incorrect NORTC model provided - H9

Resolved-Lender provided correct RTC form H-8 with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. New midnight of date XX/XX/XXXX, uploaded letter to borrower, RTC and tracking - Seller-11/13/2024 Counter-General. Section 1003.2(p) defines a refinancing as a closed-end mortgage loan or an open-end line of credit in which a new, dwelling-secured debt obligation satisfies and replaces an existing, dwelling-secured debt obligation by the same borrower. The subject loan did not satisfy nor replace an existing mortgage by the same creditor/servicer. Therefore, H-8 is required. Condition maintained. - Due Diligence Vendor-11/04/2024 Counter-The transaction is not a refinance as a mortgage was not paid off with the same lender. Therefore, H-8 ROR form is required. Condition maintained. - Due Diligence Vendor-10/30/2024 Open- - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Document Uploaded. The 1st mortgage was a XXXXXXXX loan, see far right top where it shows XXXXXXXX. The RTC is an H9, wherein it states "You are entering into a new transaction to increase the amount of credit previously provided." Appendix H of Consumer Finance states: H-9 - Rescission Model Form (Refinancing With Original Creditor) NOTICE OF RIGHT TO CANCEL Your Right To Cancel You are entering into a new transaction to increase the amount of credit previously provided to you - Seller-10/26/2024 Open-TILA: Incorrect NORTC model provided - H9 Based on rulings in the First, Fourth, Sixth and Eleventh Circuit Courts, it is permissible to utilize Model Form H8/G5 on transactions that would otherwise require the use of Model Form H9/G6 (i.e., same lender refinance transactions) – subject property is located in the jurisdiction of the aforementioned Circuit Courts.  No exception grade for circuits in which there is a favorable opinion. No Exception necessary. - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. New midnight of date XX/XX/XXXX, uploaded letter to borrower, RTC and tracking - Seller-11/13/2024  Ready for Review-Document Uploaded. Document Uploaded. The 1st mortgage was a XXXXXXXX loan, see far right top where it shows XXXXXXXX. The RTC is an H9, wherein it states "You are entering into a new transaction to increase the amount of credit previously provided." Appendix H of Consumer Finance states: H-9 - Rescission Model Form (Refinancing With Original Creditor) NOTICE OF RIGHT TO CANCEL Your Right To Cancel You are entering into a new transaction to increase the amount of credit previously provided to you - Seller-10/26/2024

Resolved-Lender provided correct RTC form H-8 with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024

snapshot 1st.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2620892

N/A

N/A

XXXX

20250905883

XXXX

XXXX

XXXX

Closed

2024-10-11 20:34

2024-11-08 18:22

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Received At Least Four Business Days Before Consummation

Resolved-Lender provided the Disclosure Tracking Summary to evidence the revised LE was received by the borrower on the same day it was send.  Condition cleared.  - Due Diligence Vendor-11/08/2024 Resolved-Resolved - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/07/2024 Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of  (XX/XX/XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XX/XX/XXXX). (12 CFR 1026.19(e)(4)(ii)) . - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/07/2024

Resolved-Lender provided the Disclosure Tracking Summary to evidence the revised LE was received by the borrower on the same day it was send.  Condition cleared.  - Due Diligence Vendor-11/08/2024  Resolved-Resolved - Due Diligence Vendor-11/08/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2582252

N/A

N/A

XXXX

20250905883

XXXX

XXXX

XXXX

Closed

2024-10-15 10:40

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597122

Investor Post-Close

No

XXXX

20250906182

XXXX

XXXX

XXXX

Closed

2024-10-14 08:36

2024-11-19 15:21

Resolved

1 - Information

Compliance

Right to Rescind

TILA: Incorrect NORTC model provided - H9

Resolved-Lender provided correct RTC form H-8 with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. New midnight of date XX/XX/XXXX, uploaded letter to borrower, RTC and tracking - Seller-11/13/2024 Counter-General. Section 1003.2(p) defines a refinancing as a closed-end mortgage loan or an open-end line of credit in which a new, dwelling-secured debt obligation satisfies and replaces an existing, dwelling-secured debt obligation by the same borrower. The subject loan did not satisfy nor replace an existing mortgage by the same creditor/servicer. Therefore, H-8 is required. Condition maintained. - Due Diligence Vendor-11/04/2024 Counter-The transaction is not a refinance as a mortgage was not paid off with the same lender. Therefore, H-8 ROR form is required. Condition maintained. - Due Diligence Vendor-10/30/2024 Open- - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Document Uploaded. The 1st mortgage was a XXXXXXXXX loan, see far right top where it shows XXXXXXXX. The RTC is an H9, wherein it states "You are entering into a new transaction to increase the amount of credit previously provided." Appendix H of Consumer Finance states: H-9 - Rescission Model Form (Refinancing With Original Creditor) NOTICE OF RIGHT TO CANCEL Your Right To Cancel You are entering into a new transaction to increase the amount of credit previously provided to you.  - Seller-10/26/2024 Open-TILA: Incorrect NORTC model provided - H9 - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. New midnight of date XX/XX/XXXX, uploaded letter to borrower, RTC and tracking - Seller-11/13/2024  Ready for Review-Document Uploaded. Document Uploaded. The 1st mortgage was a XXXXXXXX loan, see far right top where it shows XXXXXXXX. The RTC is an H9, wherein it states "You are entering into a new transaction to increase the amount of credit previously provided." Appendix H of Consumer Finance states: H-9 - Rescission Model Form (Refinancing With Original Creditor) NOTICE OF RIGHT TO CANCEL Your Right To Cancel You are entering into a new transaction to increase the amount of credit previously provided to you.  - Seller-10/26/2024

Resolved-Lender provided correct RTC form H-8 with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024

snapshot 1st.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2587763

N/A

N/A

XXXX

20250906182

XXXX

XXXX

XXXX

Closed

2024-10-11 21:13

2024-11-18 18:09

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024 Counter-Lender rebuttal was reviewed. The Homeownership Counseling Organization Disclosure dated XX/XX/XXXX (Tuesday) was NOT WITHIN three (3) business day from initial Application date of XX/XX/XXXX (Wednesday). Business days are as follows: Day 1=XX/XX/XXXX Thursday, Day 2=XX/XX/XXXX Friday and Day 3=XX/XX/XXXX Saturday. Therefore, XX/XX/XXXX is outside of the three (3) business days. Condition remains.     - Due Diligence Vendor-10/30/2024 Ready for Review-This was within 3 business days. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were Sat, Sun and Monday XXXX, New Years Day XX/XX/XXXX - Seller-10/26/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-10/11/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024  Ready for Review-This was within 3 business days. XX/XX, XX/XX, XX/XX.  XX/XX, X/X, X/X were Sat, Sun and Monday XXXX, New Years Day X/X/XXXX - Seller-10/26/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2582650

N/A

N/A

XXXX

20250906182

XXXX

XXXX

XXXX

Closed

2024-10-11 21:13

2024-11-18 18:09

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/07/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/07/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2582653

N/A

N/A

XXXX

20250906182

XXXX

XXXX

XXXX

Closed

2024-10-14 09:11

2024-11-11 22:27

Waived

2 - Non-Material

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Waived-Investor Waived.  Comp Factors received. - Due Diligence Vendor-11/11/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-This is a known defect disclosed on bid tape, please escalate to XX. Thank you. [1] Insufficient coverage - Origination/closing HOI coverage $XXX,XXX.XX + $XX,XXX.XX RPC similar construction. Current policy reflects $XXX,XXX.XX coverage with RPC. XXXXXXXXXX XXX mtge #XXXXXXXXX. 1st mtge XXX $XXX,XXX.XX + 2nd mtge $XX,XXX.XX. Coverage short 1st/2nd.  - Seller-10/26/2024 Open-HOI coverage $XXX,XXX.XX + $XX,XXX.XX RPC similar construction. Current policy reflects $XXX,XXX.XX coverage with RPC. 1st lien $XXX,XXX.XX + 2nd lien $XX,XXX.XX.  Coverage short to cover balance of 1st + 2nd lien. - Due Diligence Vendor-10/14/2024

Ready for Review-This is a known defect disclosed on bid tape, please escalate to XX. Thank you. [1] Insufficient coverage - Origination/closing HOI coverage $XXX,XXX + $XXXXX RPC similar construction. Current policy reflects $XXX,XXX coverage with RPC. XXXXXXXXXX XX  mtge #XXXXXXXXX. 1st mtge upb $XXX,XXX.XX + 2nd mtge $XX,XXX. Coverage short 1st/2nd.  - Seller-10/26/2024

Waived-Investor Waived.  Comp Factors received. - Due Diligence Vendor-11/11/2024

FICO 773;  CLTV 65%;  Borrower with 17+ years in the same field of work;  $XXX residual income

XX

Primary Residence

Refinance

Cash Out - Other

2587809

Investor Post-Close

No

XXXX

20250906182

XXXX

XXXX

XXXX

Closed

2024-10-14 08:37

2024-10-30 15:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Required Affiliated Business Disclosure

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-This finding is non-material and will be rated a B for all agencies. Disclosure provided is not within 3 business days of application date.  - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2587764

Investor Post-Close

No

XXXX

20250906182

XXXX

XXXX

XXXX

Closed

2024-10-14 20:10

2024-10-23 16:35

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-PC VVOE obtained.  ATR Finding resolved. - Due Diligence Vendor-10/23/2024 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/23/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded B1 VVOE and B2 PC VVOE, please escalate to XX for determination as to whether they will accept PC VVOE - Seller-10/23/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1 & 2 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. Uploaded B1 VVOE and B2 PC VVOE, please escalate to XX for determination as to whether they will accept PC VVOE - Seller-10/23/2024

Resolved-PC VVOE obtained.  ATR Finding resolved. - Due Diligence Vendor-10/23/2024  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/23/2024

XXXXXXXXXX PC VVOE.pdf XXXXXXXXXX VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2594305

N/A

N/A

XXXX

20250906182

XXXX

XXXX

XXXX

Closed

2024-10-14 20:10

2024-10-23 16:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. uploaded B1 VVOE - Seller-10/23/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. uploaded B1 VVOE - Seller-10/23/2024

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/23/2024

XXXXXXXXXX VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2594303

N/A

N/A

XXXX

20250906182

XXXX

XXXX

XXXX

Closed

2024-10-14 20:10

2024-10-23 16:29

Acknowledged

2 - Non-Material

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Acknowledged-Lender acknowledges the Verbal Verification of Employment is dated post-closing.  The loan file includes acceptable income documentation dated prior to close.  This finding is deemed non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded a PC VVOE showing borrower currently active, please escalate to XX to determine if they would accept PC VVOE - Seller-10/23/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. Uploaded a PC VVOE showing borrower currently active, please escalate to XX to determine if they would accept PC VVOE - Seller-10/23/2024

Acknowledged-Lender acknowledges the Verbal Verification of Employment is dated post-closing.  The loan file includes acceptable income documentation dated prior to close.  This finding is deemed non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

XXXXXXXXXX PC VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2594304

Investor Post-Close

No

XXXX

20250906182

XXXX

XXXX

XXXX

Closed

2024-10-15 10:33

2024-10-21 17:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597080

Investor Post-Close

No

XXXX

20250905836

XXXX

XXXX

XXXX

Closed

2024-10-12 08:11

2025-01-14 18:21

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/14/2025 Resolved-Gap CR findings Waived.  ATR finding has been resolved. - Due Diligence Vendor-11/11/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded PC Credit showing no new debt opened prior to loan disbursement. Please escalate to XX for consideration of downgrade. Thank you. - Seller-10/29/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements Credit report dated XX/XX/XXXX is not dated within 60 days from note date. Require updated credit report for Borrower 1 and Borrower 2 - Due Diligence Vendor-10/12/2024

Ready for Review-Document Uploaded. Uploaded PC Credit showing no new debt opened prior to loan disbursement. Please escalate to XX for consideration of downgrade. Thank you. - Seller-10/29/2024

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/14/2025  Resolved-Gap CR findings Waived.  ATR finding has been resolved. - Due Diligence Vendor-11/11/2024

PC CR.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2583768

N/A

N/A

XXXX

20250905836

XXXX

XXXX

XXXX

Closed

2024-10-17 11:15

2024-11-19 15:18

Resolved

1 - Information

Compliance

Right to Rescind

TILA: Incorrect NORTC model provided - H9

Resolved-Lender provided correct RTC form H-8 with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. New midnight of date XX/XX/XXXX, uploaded letter to borrower, RTC and tracking - Seller-11/13/2024 Counter-. - Due Diligence Vendor-11/04/2024 Counter-General. Section 1003.2(p) defines a refinancing as a closed-end mortgage loan or an open-end line of credit in which a new, dwelling-secured debt obligation satisfies and replaces an existing, dwelling-secured debt obligation by the same borrower. The subject loan did not satisfy nor replace an existing mortgage by the same creditor/servicer. Therefore, H-8 is required. Condition maintained. - Due Diligence Vendor-11/04/2024 Counter-The transaction is not a refinance as a mortgage was not paid off with the same lender. Therefore, H-8 ROR form is required. Condition maintained. - Due Diligence Vendor-10/30/2024 Open- - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Document Uploaded. The 1st mortgage was a XXXXXXXX loan, see far right top where it shows XXXXXXXX. The RTC is an H9, wherein it states "You are entering into a new transaction to increase the amount of credit previously provided." Appendix H of Consumer Finance states: H-9 - Rescission Model Form (Refinancing With Original Creditor) NOTICE OF RIGHT TO CANCEL Your Right To Cancel You are entering into a new transaction to increase the amount of credit previously provided to you - Seller-10/26/2024 Open-TILA: Incorrect NORTC model provided - H9 . - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. New midnight of date XX/XX/XXXX, uploaded letter to borrower, RTC and tracking - Seller-11/13/2024  Ready for Review-Document Uploaded. Document Uploaded. The 1st mortgage was a XXXXXXXX loan, see far right top where it shows XXXXXXXX. The RTC is an H9, wherein it states "You are entering into a new transaction to increase the amount of credit previously provided." Appendix H of Consumer Finance states: H-9 - Rescission Model Form (Refinancing With Original Creditor) NOTICE OF RIGHT TO CANCEL Your Right To Cancel You are entering into a new transaction to increase the amount of credit previously provided to you - Seller-10/26/2024

Resolved-Lender provided correct RTC form H-8 with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024

snapshot 1st.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619162

N/A

N/A

XXXX

20250905836

XXXX

XXXX

XXXX

Closed

2024-10-11 20:10

2024-11-11 22:28

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Waived-Investor Waived.  Comp factors received.   - Due Diligence Vendor-11/11/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded PC Credit showing no new debt opened prior to loan disbursement. Please escalate to XX for consideration of downgrade. Thank you. - Seller-10/29/2024 Open-Borrower 1 Gap Credit Report is Missing Credit report dated XX/XX/XXXX is not dated within 60 days from note date. Require updated credit report for Borrower 1. - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded PC Credit showing no new debt opened prior to loan disbursement. Please escalate to XX for consideration of downgrade. Thank you. - Seller-10/29/2024

Waived-Investor Waived.  Comp factors received.   - Due Diligence Vendor-11/11/2024

PC CR.pdf

FICO 736;  CLTV 68%;  Residual income $XXXX

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2582011

Investor Post-Close

No

XXXX

20250905836

XXXX

XXXX

XXXX

Closed

2024-10-11 20:10

2024-11-11 22:28

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded PC Credit showing no new debt opened prior to loan disbursement. Please escalate to XX for consideration of downgrade. Thank you. - Seller-10/29/2024 Open-Borrower 2 Gap Credit Report is Missing Credit report dated XX/XX/XXXX is not dated within 60 days from note date. Require updated credit report for Borrower 2. - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded PC Credit showing no new debt opened prior to loan disbursement. Please escalate to XX for consideration of downgrade. Thank you. - Seller-10/29/2024

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024

PC CR.pdf

FICO 736;  CLTV 68%;  Residual income $XXXX

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2582012

Investor Post-Close

No

XXXX

20250905836

XXXX

XXXX

XXXX

Closed

2024-10-16 12:29

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608964

Investor Post-Close

No

XXXX

20250905715

XXXX

XXXX

XXXX

Closed

2024-10-26 16:10

2025-01-14 18:41

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/14/2025 Resolved-Underlying DTI condition waived by investor.  This condition is resolved. - Due Diligence Vendor-11/25/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Please escalate to XX since known defect disclosed on bid tape - DTI/QM Designation/General QM - The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 58.62411% significantly exceeds the guideline maximum of 49.99%.  This effects Federal Compliance requirements and DTI. - Seller-10/29/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Known Issue.  XX to review.   - Due Diligence Vendor-10/26/2024

Ready for Review-Please escalate to XX since known defect disclosed on bid tape - DTI/QM Designation/General QM - The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 58.62411% significantly exceeds the guideline maximum of 49.99%.  This effects Federal Compliance requirements and DTI. - Seller-10/29/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/14/2025  Resolved-Underlying DTI condition waived by investor.  This condition is resolved. - Due Diligence Vendor-11/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689094

N/A

N/A

XXXX

20250905715

XXXX

XXXX

XXXX

Closed

2024-10-28 10:25

2025-01-14 18:41

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-01/14/2025 Resolved-Underlying DTI condition waived by investor.  This condition is resolved. - Due Diligence Vendor-11/25/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Please escalate to XX since known defect disclosed on bid tape - DTI/QM Designation/General QM - The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 58.62411% significantly exceeds the guideline maximum of 49.99%.  This effects Federal Compliance requirements and DTI. - Seller-10/29/2024 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-10/28/2024

Ready for Review-Please escalate to XX since known defect disclosed on bid tape - DTI/QM Designation/General QM - The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 58.62411% significantly exceeds the guideline maximum of 49.99%.  This effects Federal Compliance requirements and DTI. - Seller-10/29/2024

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-01/14/2025  Resolved-Underlying DTI condition waived by investor.  This condition is resolved. - Due Diligence Vendor-11/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692108

N/A

N/A

XXXX

20250905715

XXXX

XXXX

XXXX

Closed

2024-10-11 16:20

2024-11-18 15:44

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/18/2024 Resolved-Resolved - Due Diligence Vendor-11/18/2024 Ready for Review-Document Uploaded. Uploaded Initial signed CD - Seller-11/14/2024 Counter-Lender states signed Initial CD was uploaded. Supporting docs show Disclosure tracking doc previously reviewed. Please upload the signed initial CD. Condition remains. - Due Diligence Vendor-11/13/2024 Ready for Review-Uploaded Initial signed CD - Seller-11/13/2024 Counter-Lender provided the Disclosure Tracking Details for the initial CD. However, the said document does not reflect borrower(s) received method nor does it reflect the eDisclosure sent date, confirmation document viewed and evidence of acceptance for eConsent for the borrower(s). Unable to determine borrower(s) received date. Condition remains.  - Due Diligence Vendor-10/31/2024 Ready for Review-Document Uploaded. Uploaded disclosure tracking showing sent XX/XX/XXXX. - Seller-10/29/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Uploaded Initial signed CD - Seller-11/14/2024  Ready for Review-Uploaded Initial signed CD - Seller-11/13/2024  Ready for Review-Document Uploaded. Uploaded disclosure tracking showing sent XX/XX/XXXX. - Seller-10/29/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/18/2024  Resolved-Resolved - Due Diligence Vendor-11/18/2024

Disclosure tracking.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2579040

N/A

N/A

XXXX

20250905715

XXXX

XXXX

XXXX

Closed

2024-10-26 16:07

2024-11-11 22:31

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Please escalate to XX since known defect disclosed on bid tape - DTI/QM Designation/General QM - The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 58.62411% significantly exceeds the guideline maximum of 49.99%.  This effects Federal Compliance requirements and DTI. - Seller-10/29/2024 Open-Audited DTI of 50.18% exceeds Guideline DTI of 49.99% Known Issue.  XX to review.  Audit used 1% for UPB on Student loans. - Due Diligence Vendor-10/26/2024

Ready for Review-Please escalate to XX since known defect disclosed on bid tape - DTI/QM Designation/General QM - The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 58.62411% significantly exceeds the guideline maximum of 49.99%.  This effects Federal Compliance requirements and DTI. - Seller-10/29/2024

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024

FICO 740;  Residual income $XXXX;  CLTV 77%;  Borrower has owned the home for 9 years

XX

Primary Residence

Refinance

Cash Out - Other

2689090

Investor Post-Close

No

XXXX

20250905715

XXXX

XXXX

XXXX

Closed

2024-10-17 10:53

2024-10-26 15:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619037

N/A

N/A

XXXX

20250905765

XXXX

XXXX

XXXX

Closed

2024-10-15 11:58

2024-11-26 17:05

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded final 1008 - Seller-10/30/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. Uploaded final 1008 - Seller-10/30/2024

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/30/2024

1008.pdf

XX

Primary Residence

Purchase

NA

2597633

N/A

N/A

XXXX

20250905765

XXXX

XXXX

XXXX

Closed

2024-10-15 11:58

2024-11-26 17:05

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of 45.42% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-11/05/2024 Resolved-DTI recalculated.  DTI within guidelines. Finding resolved.  - Due Diligence Vendor-10/30/2024 Open-Audited DTI of 52.11% exceeds Guideline DTI of 49.99% - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Please advise as to what is in question as it relates to DTI Calculation?  I am uploading the 1008 for 2nd and the CD from the 1st, as this 2nd mortgage is a piggyback loan. - Seller-10/30/2024 Open-Audited DTI of 52.11% exceeds Guideline DTI of 49.99%.  - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. Please advise as to what is in question as it relates to DTI Calculation?  I am uploading the 1008 for 2nd and the CD from the 1st, as this 2nd mortgage is a piggyback loan. - Seller-10/30/2024

Resolved-Audited DTI of 45.42% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-11/05/2024  Resolved-DTI recalculated.  DTI within guidelines. Finding resolved.  - Due Diligence Vendor-10/30/2024

1008.pdf 1st CD.pdf

XX

Primary Residence

Purchase

NA

2597634

N/A

N/A

XXXX

20250905765

XXXX

XXXX

XXXX

Closed

2024-10-15 10:37

2024-10-30 20:53

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is not Missing - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded title commitment.  This loan is a piggyback second for a purchase. - Seller-10/30/2024 Open-Title Document is missing - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. Uploaded title commitment.  This loan is a piggyback second for a purchase. - Seller-10/30/2024

Resolved-Title Document is not Missing - Due Diligence Vendor-10/30/2024

Title.pdf

XX

Primary Residence

Purchase

NA

2597107

N/A

N/A

XXXX

20250905765

XXXX

XXXX

XXXX

Closed

2024-10-15 11:43

2024-10-30 20:46

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded CD from 1st mortgage to show PITI and final 1008 from 2nd.  - Seller-10/30/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. Uploaded CD from 1st mortgage to show PITI and final 1008 from 2nd.  - Seller-10/30/2024

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2024

1008.pdf 1st CD.pdf

XX

Primary Residence

Purchase

NA

2597532

N/A

N/A

XXXX

20250905765

XXXX

XXXX

XXXX

Closed

2024-10-28 13:20

2024-10-30 20:46

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/30/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded.  uploaded 3rd party VOI showing income from XXXX/XXXX/XXXX, dated XX/XX/XXXX and shows borrower actively employed.  - Seller-10/30/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded.  uploaded 3rd party VOI showing income from XXXX/XXXX/XXXX, dated XX/XX/XXXX and shows borrower actively employed.  - Seller-10/30/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/30/2024

VOI.pdf

XX

Primary Residence

Purchase

NA

2693207

N/A

N/A

XXXX

20250905765

XXXX

XXXX

XXXX

Closed

2024-10-15 12:21

2024-10-30 20:44

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-First lien PITI confirmed with final CD, finding resolved.  - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded CD from 1st mortgage to show PITI - Seller-10/30/2024 Open-Loan transaction is second lien purchase, loan file is missing first lien document to validate Principal and Interest.  - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. Uploaded CD from 1st mortgage to show PITI - Seller-10/30/2024

Resolved-First lien PITI confirmed with final CD, finding resolved.  - Due Diligence Vendor-10/30/2024

1st CD.pdf

XX

Primary Residence

Purchase

NA

2597836

N/A

N/A

XXXX

20250905765

XXXX

XXXX

XXXX

Closed

2024-10-28 13:32

2024-10-30 20:36

Resolved

1 - Information

Credit

Missing Doc

Missing W-2 (Borrower 1)

Resolved-W2s received.  Finding resolved.  - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. "UW Guidelines dated XX/XX/XXXX did not require 2 yrs W2's.  However, uploaded 3rd party VOI showing income from XXXX/XXXX/XXXX. "  - Seller-10/30/2024 Open-Lender's guidelines require 2 years' W-2.  Two years' W-2 not provided for Borrower's job listed on the application. Lender Guidelines require previous year W-2. Loan file is missing Borrower's previous year W-2. - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. "UW Guidelines dated 9/6/2023 did not require 2 yrs W2's.  However, uploaded 3rd party VOI showing income from XXXX/XXXX/XXXX. "  - Seller-10/30/2024

Resolved-W2s received.  Finding resolved.  - Due Diligence Vendor-10/30/2024

W2.pdf VOI.pdf

XX

Primary Residence

Purchase

NA

2693313

N/A

N/A

XXXX

20250905765

XXXX

XXXX

XXXX

Closed

2024-10-14 19:49

2024-10-30 20:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded 3rd party VOI showing income from XXXX/XXXX/XXXX. dated XX/XX/XXXX and shows borrower as actively employed.  - Seller-10/30/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded.  uploaded 3rd party VOI showing income from XXXX/XXXX/XXXX, dated XX/XX/XXXX and shows borrower actively employed.  - Seller-10/30/2024

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/30/2024

VOI.pdf

XX

Primary Residence

Purchase

NA

2594052

N/A

N/A

XXXX

20250905765

XXXX

XXXX

XXXX

Closed

2024-10-15 11:39

2024-10-30 20:36

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/30/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded.  uploaded 3rd party VOI showing income from XXXX/XXXX/XXXX, dated XX/XX/XXXX and shows borrower actively employed.  - Seller-10/30/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded.  uploaded 3rd party VOI showing income from XXXX/XXXX/XXXX, dated XX/XX/XXXX and shows borrower actively employed.  - Seller-10/30/2024

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/30/2024

VOI.pdf

XX

Primary Residence

Purchase

NA

2597506

N/A

N/A

XXXX

20250905957

XXXX

XXXX

XXXX

Closed

2024-10-16 12:14

2024-12-16 18:54

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Received At Least Four Business Days Before Consummation

Resolved-Lender provided evidence of receipt for the final LE.  Condition cleared.   - Due Diligence Vendor-12/16/2024 Resolved-Resolved - Due Diligence Vendor-12/16/2024 Ready for Review-Document Uploaded. please see uploaded disclosure tracking. - Seller-12/16/2024 Open-Please provide evidence that the borrower received the last disclosed LE, dated XX/XX/XXXX, electronically.  DD reverted to the mailbox rule which results in the borrower receiving it a day before closing instead of at least 4 days prior to close.  This is not related to the application date issue. - Due Diligence Vendor-12/12/2024 Ready for Review-Please provide an update from Daniel.  The dates on the Data Entry is the date the loan was created in Encompass In a lot of cases the creation date is before the actual application date. If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-12/12/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024 Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of  (XX/XX/XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XX/XX/XXXX). (12 CFR 1026.19(e)(4)(ii)) The re-disclosed LE reflects a Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt is applied, and borrower was not in receipt of re-disclosed LE 4 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded. please see uploaded disclosure tracking. - Seller-12/16/2024  Ready for Review-Please provide an update from XXXXXX.  The dates on the Data Entry is the date the loan was created in Encompass In a lot of cases the creation date is before the actual application date. If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-12/12/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024

Resolved-Lender provided evidence of receipt for the final LE.  Condition cleared.   - Due Diligence Vendor-12/16/2024  Resolved-Resolved - Due Diligence Vendor-12/16/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2608836

N/A

N/A

XXXX

20250905957

XXXX

XXXX

XXXX

Closed

2024-10-16 12:59

2024-10-22 18:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609256

Investor Post-Close

No

XXXX

20250905908

XXXX

XXXX

XXXX

Closed

2024-10-15 19:15

2024-10-15 19:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603975

Investor Post-Close

No

XXXX

20250906164

XXXX

XXXX

XXXX

Closed

2024-10-14 20:07

2024-11-07 19:53

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender excluded the monthly PMI in the DTI  - Due Diligence Vendor-10/14/2024

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2594264

N/A

N/A

XXXX

20250906164

XXXX

XXXX

XXXX

Closed

2024-10-21 13:49

2024-11-07 19:52

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024 Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/07/2024 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-10/21/2024

Resolved-Investor Waived.  Condition cleared.  - Due Diligence Vendor-11/07/2024  Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2645926

N/A

N/A

XXXX

20250906164

XXXX

XXXX

XXXX

Closed

2024-10-14 20:04

2024-11-07 19:49

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-11/07/2024 Escalated-Escalated for XX Review  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Audited DTI of 52.44% exceeds Guideline DTI of 49.99% Lender excluded the monthly PMI from the DTI  - Due Diligence Vendor-10/14/2024

ok with comp factors  - 11/07/2024

Waived-Investor waived finding with compensating factors.  Condition waived.   - Due Diligence Vendor-11/07/2024

FICO 708;  CLTV 68%;  Borrower 14 years in same field of work

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2594229

Investor Post-Close

No

XXXX

20250906164

XXXX

XXXX

XXXX

Closed

2024-10-21 11:07

2024-11-04 18:02

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/04/2024 Resolved-Post incident inspection provided.  No Damage Noted - Due Diligence Vendor-11/04/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/21/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/04/2024  Resolved-Post incident inspection provided.  No Damage Noted - Due Diligence Vendor-11/04/2024

XXXXXXXXXX-PDI.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2644378

N/A

N/A

XXXX

20250906164

XXXX

XXXX

XXXX

Closed

2024-10-15 11:17

2024-10-21 13:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597345

Investor Post-Close

No

XXXX

20250905669

XXXX

XXXX

XXXX

Closed

2024-10-17 14:37

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621296

Investor Post-Close

No

XXXX

20250906191

XXXX

XXXX

XXXX

Closed

2024-10-15 17:15

2024-10-22 20:50

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Insurance Certificate

Resolved-Lender provided sufficient evidence of the current senior lien information via a loan servicing portfolio snapshot, as well as the FHA worksheet. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded.  - Seller-10/19/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded FHA worksheet.  The first is a FHA loan with MIP. This is not a Conventional loan with MI. Our guidelines do not require a copy of the MIC from 1st on a 2nd mortgage.  This was not a piggyback 2nd.  - Seller-10/16/2024 Open-Missing  mortgage insurance certificate. Provide evidence to indicate whether mortgage insurance is attached to the senior lien PITIA payment. Additional conditions may apply.  - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded.  - Seller-10/19/2024  Ready for Review-Document Uploaded. Uploaded FHA worksheet.  The first is a FHA loan with MIP. This is not a Conventional loan with MI. Our guidelines do not require a copy of the MIC from 1st on a 2nd mortgage.  This was not a piggyback 2nd.  - Seller-10/16/2024

Resolved-Lender provided sufficient evidence of the current senior lien information via a loan servicing portfolio snapshot, as well as the FHA worksheet. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/22/2024

XXXXXXXXXX XXXX FHA loan.pdf XXXXXXXXXX XXXX Mortgage snapshot.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2602091

N/A

N/A

XXXX

20250906191

XXXX

XXXX

XXXX

Closed

2024-10-15 17:12

2024-10-22 18:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for S&P.  All other agencies will be rated as A - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2602042

Investor Post-Close

No

XXXX

20250905805

XXXX

XXXX

XXXX

Closed

2024-10-16 14:38

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610656

Investor Post-Close

No

XXXX

20250905843

XXXX

XXXX

XXXX

Closed

2024-10-14 08:45

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2587776

Investor Post-Close

No

XXXX

20250905843

XXXX

XXXX

XXXX

Closed

2024-10-18 13:07

2024-10-18 17:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630371

Investor Post-Close

No

XXXX

20250905897

XXXX

XXXX

XXXX

Closed

2024-10-15 16:53

2024-10-16 10:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601805

Investor Post-Close

No

XXXX

20250906023

XXXX

XXXX

XXXX

Closed

2024-10-14 14:32

2025-01-14 19:26

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/14/2025 Resolved-Underlying credit condition waived by investor.  This condition is resolved. - Due Diligence Vendor-11/19/2024 Unable to Resolve-Unable to Resolve-Document Uploaded. Please escalate to XX for consideration, if needed.  - XXX verified as $XXX.XX monthly however UW only used $XXX/mo.  With that said, the DTI is extremely low and adding the $X.XX/mo extra XXX only raised the TDTI to 16.73% from the 1008 TDTI of 16.696% - Seller-11/14/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/14/2024

Unable to Resolve-Unable to Resolve-Document Uploaded. Please escalate to XX for consideration, if needed.  - XXX verified as $XXX.XX monthly however UW only used $XXX/mo.  With that said, the DTI is extremely low and adding the $X.XX/mo extra XXX only raised the TDTI to 16.73% from the 1008 TDTI of 16.696% - Seller-11/14/2024

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/14/2025  Resolved-Underlying credit condition waived by investor.  This condition is resolved. - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2589629

N/A

N/A

XXXX

20250906023

XXXX

XXXX

XXXX

Closed

2024-10-14 13:53

2024-11-19 15:22

Waived

2 - Non-Material

Credit

Missing Doc

Missing Evidence of XXX Dues for Primary Residence

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/19/2024 Unable to Resolve-Unable to Resolve-Document Uploaded. Please escalate to XX for consideration, if needed.  - XXX verified as $XXX.XX monthly however UW only used $XXX/mo.  With that said, the DTI is extremely low and adding the $X.XX/mo extra XXX only raised the TDTI to 16.73% from the 1008 TDTI of 16.696% - Seller-11/14/2024 Open-Missing Evidence of XXX Dues for Primary Residence Missing Evidence of XXX Dues for subject property - Due Diligence Vendor-10/14/2024

Unable to Resolve-Unable to Resolve-Document Uploaded. Please escalate to XX for consideration, if needed.  - XXX verified as $XXX.XX monthly however UW only used $XXX/mo.  With that said, the DTI is extremely low and adding the $X.XX/mo extra XXX only raised the TDTI to 16.73% from the 1008 TDTI of 16.696% - Seller-11/14/2024

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/19/2024

package.pdf

FICO 774;  DTI 17%;  CLTV 48%

XX

Primary Residence

Refinance

Cash Out - Other

2589192

Investor Post-Close

No

XXXX

20250906023

XXXX

XXXX

XXXX

Closed

2024-10-14 12:59

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2588672

Investor Post-Close

No

XXXX

20250906023

XXXX

XXXX

XXXX

Closed

2024-10-20 18:37

2024-10-20 18:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642505

Investor Post-Close

No

XXXX

20250905792

XXXX

XXXX

XXXX

Closed

2024-10-13 07:12

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing .This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585757

Investor Post-Close

No

XXXX

20250905792

XXXX

XXXX

XXXX

Closed

2024-10-16 19:35

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2615560

Investor Post-Close

No

XXXX

20250906177

XXXX

XXXX

XXXX

Closed

2024-10-12 12:39

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024    Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2584100

Investor Post-Close

No

XXXX

20250906177

XXXX

XXXX

XXXX

Closed

2024-10-19 12:26

2024-10-20 18:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638839

Investor Post-Close

No

XXXX

20250906037

XXXX

XXXX

XXXX

Closed

2024-10-16 17:23

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2613494

Investor Post-Close

No

XXXX

20250905989

XXXX

XXXX

XXXX

Closed

2024-10-13 14:34

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2586424

Investor Post-Close

No

XXXX

20250905989

XXXX

XXXX

XXXX

Closed

2024-10-18 18:34

2024-10-18 18:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634757

Investor Post-Close

No

XXXX

20250905830

XXXX

XXXX

XXXX

Closed

2024-10-12 10:34

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EVB.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2583913

Investor Post-Close

No

XXXX

20250905830

XXXX

XXXX

XXXX

Closed

2024-10-16 12:38

2024-10-19 13:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609028

Investor Post-Close

No

XXXX

20250905627

XXXX

XXXX

XXXX

Closed

2024-10-14 16:12

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2590910

Investor Post-Close

No

XXXX

20250905627

XXXX

XXXX

XXXX

Closed

2024-10-15 10:38

2024-10-21 13:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597112

Investor Post-Close

No

XXXX

20250905570

XXXX

XXXX

XXXX

Closed

2024-10-18 18:32

2024-10-18 18:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634735

Investor Post-Close

No

XXXX

20250905784

XXXX

XXXX

XXXX

Closed

2024-10-14 13:14

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2588812

Investor Post-Close

No

XXXX

20250905784

XXXX

XXXX

XXXX

Closed

2024-10-18 20:37

2024-10-20 18:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636332

Investor Post-Close

No

XXXX

20250905993

XXXX

XXXX

XXXX

Closed

2024-10-12 08:07

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2583765

Investor Post-Close

No

XXXX

20250905993

XXXX

XXXX

XXXX

Closed

2024-10-17 16:28

2024-10-25 15:10

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/18/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2623274

N/A

N/A

XXXX

20250905993

XXXX

XXXX

XXXX

Closed

2024-10-18 10:36

2024-10-22 20:34

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided sufficient evidence for paystub income verification. Documentation is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "A 3rd party VOI was used in lieu of paystubs and W2's. "  - Seller-10/19/2024   Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements   - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. "A 3rd party VOI was used in lieu of paystubs and W2's. "  - Seller-10/19/2024

Resolved-Lender provided sufficient evidence for paystub income verification. Documentation is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/22/2024

XXXXXXXXXX VOI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2629204

N/A

N/A

XXXX

20250905993

XXXX

XXXX

XXXX

Closed

2024-10-17 16:19

2024-10-22 20:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Paystubs Missing

Resolved-Lender provided sufficient evidence for paystub income verification. Documentation is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/22/2024 Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "A 3rd party VOI was used in lieu of paystubs and W2's. "   - Seller-10/19/2024    Open-Borrower 1 Paystubs Missing The lender guidelines require a year-to-date paystub dated no earlier than 30 days prior to the loan application date that includes 30 days of Income.  Borrower paystub is missing. - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. "A 3rd party VOI was used in lieu of paystubs and W2's. "  - Seller-10/19/2024

Resolved-Lender provided sufficient evidence for paystub income verification. Documentation is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/22/2024  Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/22/2024

XXXXXXXXXX VOI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2623103

N/A

N/A

XXXX

20250905993

XXXX

XXXX

XXXX

Closed

2024-10-16 12:25

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608923

Investor Post-Close

No

XXXX

20250906203

XXXX

XXXX

XXXX

Closed

2024-10-14 11:12

2024-11-07 13:23

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/06/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024 Ready for Review-Please escalate to XX - Seller-11/03/2024 Counter-Lender provided the AVM printout which is not sufficient. Per Compliance direction, provide the actual PDF for the AVM. Condition remains.  - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "Uploaded Value Only AVM, see towards bottom of page 1 for value and confidence score. "   - Seller-10/19/2024    Open-Appraisal or other primary valuation product is missing.  The loan file only contains the order form for an AVM from XXXXXXXXXXXX. - Due Diligence Vendor-10/14/2024

Ready for Review-Please escalate to XX - Seller-11/03/2024  Ready for Review-Document Uploaded. "Uploaded Value Only AVM, see towards bottom of page 1 for value and confidence score. "  - Seller-10/19/2024

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/06/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024

XXXXXXXXXX AVM.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2588027

N/A

N/A

XXXX

20250906203

XXXX

XXXX

XXXX

Closed

2024-10-14 10:44

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing  This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2587939

Investor Post-Close

No

XXXX

20250906203

XXXX

XXXX

XXXX

Closed

2024-10-17 18:56

2024-10-17 18:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625281

Investor Post-Close

No

XXXX

20250906110

XXXX

XXXX

XXXX

Closed

2024-10-20 18:41

2024-11-04 19:20

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided sufficient evidence of income documentation via a third-party verification of income and employment, in lieu of paystubs. Said document reflects current YTD income within 30 days of the Note date, as well as income breakdown, and two previous years. Condition cleared.   - Due Diligence Vendor-10/23/2024 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded 3rd party VOI - Seller-10/21/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements   - Due Diligence Vendor-10/20/2024

Ready for Review-Document Uploaded. Uploaded 3rd party VOI - Seller-10/21/2024

Resolved-Lender provided sufficient evidence of income documentation via a third-party verification of income and employment, in lieu of paystubs. Said document reflects current YTD income within 30 days of the Note date, as well as income breakdown, and two previous years. Condition cleared.   - Due Diligence Vendor-10/23/2024  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/23/2024

XXXXXXXXXX VOI.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2642520

N/A

N/A

XXXX

20250906110

XXXX

XXXX

XXXX

Closed

2024-10-14 11:48

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing Non-material: This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2588180

Investor Post-Close

No

XXXX

20250906110

XXXX

XXXX

XXXX

Closed

2024-10-18 20:59

2024-10-23 13:44

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Paystubs Missing

Resolved-Lender provided sufficient evidence of income documentation via a third-party verification of income and employment, in lieu of paystubs. Said document reflects current YTD income within 30 days of the Note date, as well as income breakdown, and two previous years. Condition cleared.   - Due Diligence Vendor-10/23/2024 Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded 3rd party VOI - Seller-10/21/2024 Open-Borrower 1 Paystubs Missing The lender guidelines require a YTD paystub showing at least 30 days of income and most recent year W2 or WVOE from the Work number of XXXXXXX XXX approved 3rd party supplier.  The file is missing YTD paystub showing at least 30 days of income. - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. Uploaded 3rd party VOI - Seller-10/21/2024

Resolved-Lender provided sufficient evidence of income documentation via a third-party verification of income and employment, in lieu of paystubs. Said document reflects current YTD income within 30 days of the Note date, as well as income breakdown, and two previous years. Condition cleared.   - Due Diligence Vendor-10/23/2024  Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/23/2024

XXXXXXXXXX VOI.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2636567

N/A

N/A

XXXX

20250906110

XXXX

XXXX

XXXX

Closed

2024-10-16 12:28

2024-10-18 20:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608949

Investor Post-Close

No

XXXX

20250906066

XXXX

XXXX

XXXX

Closed

2024-10-13 14:53

2024-11-06 19:11

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/13/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586455

N/A

N/A

XXXX

20250906066

XXXX

XXXX

XXXX

Closed

2024-10-13 14:36

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586427

Investor Post-Close

No

XXXX

20250906066

XXXX

XXXX

XXXX

Closed

2024-10-16 12:51

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609163

Investor Post-Close

No

XXXX

20250905766

XXXX

XXXX

XXXX

Closed

2024-10-14 10:09

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2587876

Investor Post-Close

No

XXXX

20250905766

XXXX

XXXX

XXXX

Closed

2024-10-18 15:46

2024-10-18 15:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632460

Investor Post-Close

No

XXXX

20250906079

XXXX

XXXX

XXXX

Closed

2024-10-18 15:25

2024-11-11 19:52

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-The Lender provided sufficient evidence to verify that subject property has not been listed for sale in the past 36+ months. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/11/2024    Ready for Review-Document Uploaded. uploaded listing history - Seller-11/09/2024 Open-Missing evidence the subject property in not listed for sale. - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. uploaded listing history - Seller-11/09/2024

Resolved-The Lender provided sufficient evidence to verify that subject property has not been listed for sale in the past 36+ months. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/11/2024

XXXXXXXXXX Listing History.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632190

N/A

N/A

XXXX

20250906079

XXXX

XXXX

XXXX

Closed

2024-10-18 15:22

2024-11-07 13:25

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/06/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024 Ready for Review-Please escalate to XX - Seller-11/03/2024 Counter-Lender provided the AVM printout which is not sufficient. Per Compliance direction, provide the actual PDF for the AVM. Condition remains.  - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Value only AVM in file see towards bottom of page 1 for value and confidence score. - Seller-10/20/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/18/2024

Ready for Review-Please escalate to XX - Seller-11/03/2024  Ready for Review-Document Uploaded. Value only AVM in file see towards bottom of page 1 for value and confidence score. - Seller-10/20/2024

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/06/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024

XXXXXXXXXX AVM.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632176

N/A

N/A

XXXX

20250906079

XXXX

XXXX

XXXX

Closed

2024-10-14 11:11

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing.This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2588026

Investor Post-Close

No

XXXX

20250906079

XXXX

XXXX

XXXX

Closed

2024-10-16 12:27

2024-10-18 17:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608940

Investor Post-Close

No

XXXX

20250906090

XXXX

XXXX

XXXX

Closed

2024-10-12 09:38

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/12/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2583835

Investor Post-Close

No

XXXX

20250906090

XXXX

XXXX

XXXX

Closed

2024-10-16 12:29

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608954

Investor Post-Close

No

XXXX

20250905667

XXXX

XXXX

XXXX

Closed

2024-10-18 17:58

2024-11-04 18:08

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection  - Due Diligence Vendor-10/18/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2634286

N/A

N/A

XXXX

20250905667

XXXX

XXXX

XXXX

Closed

2024-10-13 11:12

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585993

Investor Post-Close

No

XXXX

20250905667

XXXX

XXXX

XXXX

Closed

2024-10-18 18:03

2024-10-20 18:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634370

Investor Post-Close

No

XXXX

20250906067

XXXX

XXXX

XXXX

Closed

2024-10-13 13:53

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586323

Investor Post-Close

No

XXXX

20250906067

XXXX

XXXX

XXXX

Closed

2024-10-17 13:55

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2620744

Investor Post-Close

No

XXXX

20250906053

XXXX

XXXX

XXXX

Closed

2024-10-13 18:58

2024-11-07 13:27

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/06/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024 Ready for Review-Please escalate to XX, Value only AVM - Seller-11/04/2024 Counter-Lender provided the AVM printout which is not sufficient. Per Compliance direction, provide the actual PDF for the AVM. Condition remains.  - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "Uploaded Value Only AVM. See towards bottom of page for value and confidence score. "XX - Seller-10/19/2024   Open-Appraisal or other primary valuation product is missing Loan file contains only an order form for an AVM - Due Diligence Vendor-10/13/2024

Ready for Review-Please escalate to XX, Value only AVM - Seller-11/04/2024  Ready for Review-Document Uploaded. "Uploaded Value Only AVM. See towards bottom of page for value and confidence score. "  - Seller-10/19/2024

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/06/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024

XXXXXXXXXX AVM.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2587019

N/A

N/A

XXXX

20250906053

XXXX

XXXX

XXXX

Closed

2024-10-13 18:46

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2587004

Investor Post-Close

No

XXXX

20250906053

XXXX

XXXX

XXXX

Closed

2024-10-16 16:06

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2612340

Investor Post-Close

No

XXXX

20250905591

XXXX

XXXX

XXXX

Closed

2024-10-18 04:22

2024-12-12 20:45

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Lender provided evidence of cure of $XX.XX and PCCD.  Condition cleared.  - Due Diligence Vendor-12/12/2024 Resolved-Resolved - Due Diligence Vendor-12/12/2024 Ready for Review-Document Uploaded. Uploaded letter to borrower, pccd, proof of delivery, copy of check - Seller-12/12/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated XX/XX/XXXX, reflects a Tax Stamp fee of $XXX.XX.  Final CD dated XX/XX/XXXX reflects a Tax Stamp fee of $XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in the file. A tolerance cure of $XX is required to be provided within 60 days of discovery. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.  - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. Uploaded letter to borrower, pccd, proof of delivery, copy of check - Seller-12/12/2024

Resolved-Lender provided evidence of cure of $XX.XX and PCCD.  Condition cleared.  - Due Diligence Vendor-12/12/2024  Resolved-Resolved - Due Diligence Vendor-12/12/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2628138

N/A

N/A

XXXX

20250905591

XXXX

XXXX

XXXX

Closed

2024-10-18 04:22

2024-12-12 20:45

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Lender provided evidence of cure of $XX.XX and PCCD.  Condition cleared.  - Due Diligence Vendor-12/12/2024 Resolved-Resolved - Due Diligence Vendor-12/12/2024 Ready for Review-Document Uploaded. Document Uploaded. Uploaded letter to borrower, pccd, proof of delivery, copy of check - Seller-12/12/2024 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects a Tax Stamp fee of $XXX.  Final CD dated XX/XX/XXXX reflects a Tax Stamp fee of $XXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in the file. A tolerance cure of $XX is required to be provided within 60 days of discovery. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.  - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. Document Uploaded. Uploaded letter to borrower, pccd, proof of delivery, copy of check - Seller-12/12/2024

Resolved-Lender provided evidence of cure of $XX.XX and PCCD.  Condition cleared.  - Due Diligence Vendor-12/12/2024  Resolved-Resolved - Due Diligence Vendor-12/12/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2628137

N/A

N/A

XXXX

20250905591

XXXX

XXXX

XXXX

Closed

2024-10-18 04:31

2024-10-18 04:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2628147

Originator Pre-Close

No

XXXX

20250905783

XXXX

XXXX

XXXX

Closed

2024-10-13 18:52

2024-11-19 18:34

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Ready for Review-Received RTC form with new cancellation period. Unable to resolve until the new RTC expires. Condition remains in Ready to Review status. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. proof of delivery uploaded. - Seller-11/14/2024 Ready for Review-Document Uploaded. New midnight of date XX/XX/XXXX. uploaded Letter to borrower, RTC and tracking.  - Seller-11/13/2024 Counter-Lender rebuttal regarding the Notice of Right to Cancel (NORTC) was reviewed. The executed/dated Notice of Right to Cancel (NORTC) provided in the loan file has the incorrect expiration by midnight date. XX/XX/XXXX (XXXXXX XXXXXX XXXX, XX XXX) is a federal/national holiday and will NOT be included in the rescission period. Therefore, provide a letter of explanation, corrected CD, proof of delivery and re-open Rescission with new NORTC. After the 3 business days have expired then the two (2) findings can be resolved/cleared. Condition remains.  - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded.  The RTC midnight of date is XX/XX/XXXX.  The disbursement date on the CD is XX/XX/XXXX.  For recission purposes Saturdays are included.  Please re-visit. - Seller-10/26/2024 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-10/13/2024

Ready for Review-Document Uploaded. proof of delivery uploaded. - Seller-11/14/2024  Ready for Review-Document Uploaded. New midnight of date XX/XX/XXXX. uploaded Letter to borrower, RTC and tracking.  - Seller-11/13/2024  Ready for Review-Document Uploaded.  The RTC midnight of date is XX/XX/XXXX.  The disbursement date on the CD is 1/16/2024.  For recission purposes Saturdays are included.  Please re-visit. - Seller-10/26/2024

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024

RTC.pdf CD.pdf package.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2587011

N/A

N/A

XXXX

20250905783

XXXX

XXXX

XXXX

Closed

2024-10-13 18:52

2024-11-19 18:34

Resolved

1 - Information

Compliance

Rescission:Variance

Federal - Right of Rescission Variance Failure (TILA)

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Ready for Review-Received RTC form with new cancellation period. Unable to resolve until the new RTC expires. Condition remains in Ready to Review status. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. proof of delivery uploaded - Seller-11/14/2024 Ready for Review-Document Uploaded. New midnight of date XX/XX/XXX, uploaded letter to borrower, RTC and tracking - Seller-11/13/2024 Counter-Lender rebuttal regarding the Notice of Right to Cancel (NORTC) was reviewed. The executed/dated Notice of Right to Cancel (NORTC) provided in the loan file has the incorrect expiration by midnight date. XX/XX/XXXX (XXXXXX XXXXXX XXXX, XX XXX) is a federal/national holiday and will NOT be included in the rescission period. Therefore, provide a letter of explanation, corrected CD, proof of delivery and re-open Rescission with new NORTC. After the 3 business days have expired then the two (2) findings can be resolved/cleared. Condition remains.  - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded.  The RTC midnight of date is XX/XX/XXXX.  The disbursement date on the CD is XX/XX/XXXX.  For recission purposes Saturdays are included.  Please re-visit. - Seller-10/26/2024 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-10/13/2024

Ready for Review-Document Uploaded. proof of delivery uploaded - Seller-11/14/2024  Ready for Review-Document Uploaded. New midnight of date XX/XX/XXXX, uploaded letter to borrower, RTC and tracking - Seller-11/13/2024  Ready for Review-Document Uploaded.  The RTC midnight of date is XX/XX/XXXX.  The disbursement date on the CD is XX/XX/XXXX.  For recission purposes Saturdays are included.  Please re-visit. - Seller-10/26/2024

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024

RTC.pdf CD.pdf package.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2587012

N/A

N/A

XXXX

20250905783

XXXX

XXXX

XXXX

Closed

2024-10-19 15:05

2024-10-20 18:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639357

Investor Post-Close

No

XXXX

20250905873

XXXX

XXXX

XXXX

Closed

2024-10-12 15:38

2025-01-08 15:39

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Lender provided a PCCD with an evidence of cure of $XXX.XX.  Condition cleared.   - Due Diligence Vendor-01/08/2025 Resolved-Resolved - Due Diligence Vendor-01/08/2025 Ready for Review-Document Uploaded. Uploaded refund to borrower, lox and tracking - Seller-01/08/2025 Counter-Lender provided COCs dated XX/XX/XXXX and XX/XX/XXXX that have already been provided in the loan file.  The Discount points increased from $XX.XX to $XXX.XX on the final CD dated XX/XX/XXXX. The Appraisal Fee (Escrow Re-Inspection Fee) increased from $X to $XXX on the final CD dated XX/XX/XXXX. The loan file did not contain a valid COC to support the increase.  Condition remains.   - Due Diligence Vendor-11/26/2024 Ready for Review-Document Uploaded. Uploaded 3 COC LEs with change of circumstance form - Seller-11/26/2024 Counter-The Lender's rebuttal in regarding the Disbursement Fee which is not a part of the issue.  The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. The Discount points increased from $XX.XX to $XXX.XX.  The Appraisal Fee (Escrow Re-Inspection Fee) increased from $X to $XXX.XX.  The loan file did not contain a valid COC to support the increase. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.  Condition remains.   - Due Diligence Vendor-11/18/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-11/18/2024 Ready for Review-Document Uploaded. Attestation uploaded - From PC area -  On Initial LE the Disbursement fee of XXX was inadvertently captured in section B and should have been in section C. On the CD this fee amount and name was not changed and is still in section  - Seller-11/13/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Initial Loan Estimate reflects no charge for an Escrow Re-Inspection Fee. The revised Loan Estimate reflects Discount Points of $XX.XX.  The Final Closing Disclosure reflects an Escrow re-inspection Fee of $XXX.XX and Discount Points of $XXX.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. Uploaded refund to borrower, lox and tracking - Seller-01/08/2025  Ready for Review-Document Uploaded. Uploaded 3 COC LEs with change of circumstance form - Seller-11/26/2024  Ready for Review-Document Uploaded. Attestation uploaded - From PC area -  On Initial LE the Disbursement fee of 100 was inadvertently captured in section B and should have been in section C. On the CD this fee amount and name was not changed and is still in section  - Seller-11/13/2024

Resolved-Lender provided a PCCD with an evidence of cure of $XXX.XX.  Condition cleared.   - Due Diligence Vendor-01/08/2025  Resolved-Resolved - Due Diligence Vendor-01/08/2025

package.pdf package.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2584626

N/A

N/A

XXXX

20250905873

XXXX

XXXX

XXXX

Closed

2024-10-12 15:38

2025-01-08 15:39

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Lender provided a PCCD with an evidence of cure of $XXX.XX.  Condition cleared.   - Due Diligence Vendor-01/08/2025 Resolved-Resolved - Due Diligence Vendor-01/08/2025 Ready for Review-Document Uploaded. Uploaded refund to borrower, lox and tracking - Seller-01/08/2025 Counter-Lender provided COCs dated XX/XX/XXXX and XX/XX/XXXX that have already been provided in the loan file.  The Discount points increased from $XX.XX to $XXX.XX on the final CD dated XX/XX/XXX. The Appraisal Fee (Escrow Re-Inspection Fee) increased from $X to $XXX on the final CD dated XX/XX/XXXX. The loan file did not contain a valid COC to support the increase.  Condition remains.   - Due Diligence Vendor-11/26/2024 Ready for Review-Document Uploaded. Uploaded 3 COC LEs with change of circumstance form - Seller-11/26/2024 Counter-The Lender's rebuttal in regarding the Disbursement Fee which is not a part of the issue.  The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. The Discount points increased from $XX.XX to $XXX.XX.  The Appraisal Fee (Escrow Re-Inspection Fee) increased from $X to $XXX.XX.  The loan file did not contain a valid COC to support the increase. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.  Condition remains.   - Due Diligence Vendor-11/18/2024 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-11/18/2024 Ready for Review-Document Uploaded. Attestation uploaded.  From PC area -  On Initial LE the Disbursement fee of XXX was inadvertently captured in section B and should have been in section C. On the CD this fee amount and name was not changed and is still in section  - Seller-11/13/2024 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Initial Loan Estimate reflects no charge for an Escrow Re-Inspection Fee. The revised Loan Estimate reflects Discount Points of $XX.XX.  The Final Closing Disclosure reflects an Escrow re-inspection Fee of $XXX.XX and Discount Points of $XXX.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. Uploaded refund to borrower, lox and tracking - Seller-01/08/2025  Ready for Review-Document Uploaded. Uploaded 3 COC LEs with change of circumstance form - Seller-11/26/2024  Ready for Review-Document Uploaded. Attestation uploaded.  From PC area -  On Initial LE the Disbursement fee of 100 was inadvertently captured in section B and should have been in section C. On the CD this fee amount and name was not changed and is still in section  - Seller-11/13/2024

Resolved-Lender provided a PCCD with an evidence of cure of $XXX.XX.  Condition cleared.   - Due Diligence Vendor-01/08/2025  Resolved-Resolved - Due Diligence Vendor-01/08/2025

package.pdf package.pdf package.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2584625

N/A

N/A

XXXX

20250905873

XXXX

XXXX

XXXX

Closed

2024-10-12 15:38

2024-11-11 19:22

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Lender provided sufficient evidence for the initial CD receipt. Compliance testing was re-run and timing requirements were met.  The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/09/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2024-01-13). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-10/12/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/09/2024

Resolved-Lender provided sufficient evidence for the initial CD receipt. Compliance testing was re-run and timing requirements were met.  The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/11/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2584622

N/A

N/A

XXXX

20250905873

XXXX

XXXX

XXXX

Closed

2024-10-22 14:23

2024-10-31 16:41

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/31/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection  - Due Diligence Vendor-10/22/2024

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/31/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2655103

N/A

N/A

XXXX

20250905873

XXXX

XXXX

XXXX

Closed

2024-10-12 13:38

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2584286

Investor Post-Close

No

XXXX

20250905873

XXXX

XXXX

XXXX

Closed

2024-10-15 11:17

2024-10-22 15:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597347

Investor Post-Close

No

XXXX

20250906046

XXXX

XXXX

XXXX

Closed

2024-10-17 09:38

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-10/17/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618769

Investor Post-Close

No

XXXX

20250906094

XXXX

XXXX

XXXX

Closed

2024-10-14 13:05

2024-11-04 18:11

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/16/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2588716

N/A

N/A

XXXX

20250906094

XXXX

XXXX

XXXX

Closed

2024-10-12 16:00

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2584682

Investor Post-Close

No

XXXX

20250906094

XXXX

XXXX

XXXX

Closed

2024-10-16 12:42

2024-10-18 12:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609060

Investor Post-Close

No

XXXX

20250906038

XXXX

XXXX

XXXX

Closed

2024-10-12 10:50

2024-11-13 21:33

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-. - Due Diligence Vendor-11/13/2024 Resolved-Received evidence of prior insurance. Condition cleared. - Due Diligence Vendor-11/13/2024 Ready for Review-Document Uploaded. Policy in effect at time of closing uploaded. - Seller-11/13/2024 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Subject funding date = XX/XX/XXXX vs hazard effective dates of XX/XX/XXXX - XX/XX/XXXX. Provide dec page in force at time of subject funding.  - Due Diligence Vendor-10/12/2024

Ready for Review-Document Uploaded. Policy in effect at time of closing uploaded. - Seller-11/13/2024

Resolved-. - Due Diligence Vendor-11/13/2024  Resolved-Received evidence of prior insurance. Condition cleared. - Due Diligence Vendor-11/13/2024

XXXXXXXXXX_EDI_insurance XX/XX/XXXX to XX/XX/XXXX coverage $XXX,XXX.XX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2583933

N/A

N/A

XXXX

20250906038

XXXX

XXXX

XXXX

Closed

2024-10-12 10:06

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/12/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2583866

Investor Post-Close

No

XXXX

20250906038

XXXX

XXXX

XXXX

Closed

2024-10-18 17:21

2024-10-18 17:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633780

Investor Post-Close

No

XXXX

20250905931

XXXX

XXXX

XXXX

Closed

2024-10-12 11:47

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2584007

Investor Post-Close

No

XXXX

20250905931

XXXX

XXXX

XXXX

Closed

2024-10-15 18:01

2024-10-16 11:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602860

Investor Post-Close

No

XXXX

20250905950

XXXX

XXXX

XXXX

Closed

2024-10-30 18:19

2024-11-07 17:08

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection. - Due Diligence Vendor-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2715335

N/A

N/A

XXXX

20250905950

XXXX

XXXX

XXXX

Closed

2024-10-30 19:24

2024-10-30 19:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2716165

Investor Post-Close

No

XXXX

20250905791

XXXX

XXXX

XXXX

Closed

2024-10-26 09:33

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688289

Investor Post-Close

No

XXXX

20250905791

XXXX

XXXX

XXXX

Closed

2024-10-26 09:57

2024-10-26 09:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688327

Investor Post-Close

No

XXXX

20250906028

XXXX

XXXX

XXXX

Closed

2024-10-13 08:28

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585861

Investor Post-Close

No

XXXX

20250906028

XXXX

XXXX

XXXX

Closed

2024-10-16 15:00

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610983

Investor Post-Close

No

XXXX

20250906057

XXXX

XXXX

XXXX

Closed

2024-10-16 12:01

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608709

Investor Post-Close

No

XXXX

20250905743

XXXX

XXXX

XXXX

Closed

2024-10-15 11:25

2024-11-12 21:33

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2597419

N/A

N/A

XXXX

20250905743

XXXX

XXXX

XXXX

Closed

2024-10-12 16:07

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing .  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2584703

Investor Post-Close

No

XXXX

20250905743

XXXX

XXXX

XXXX

Closed

2024-10-15 16:43

2024-10-15 17:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2601674

Investor Post-Close

No

XXXX

20250905657

XXXX

XXXX

XXXX

Closed

2024-10-16 20:07

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2615941

Investor Post-Close

No

XXXX

20250906121

XXXX

XXXX

XXXX

Closed

2024-10-13 08:37

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585866

Investor Post-Close

No

XXXX

20250906121

XXXX

XXXX

XXXX

Closed

2024-10-17 20:27

2024-10-17 20:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2626452

Investor Post-Close

No

XXXX

20250905662

XXXX

XXXX

XXXX

Closed

2024-10-15 10:34

2024-10-21 17:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597084

Investor Post-Close

No

XXXX

20250906080

XXXX

XXXX

XXXX

Closed

2024-10-17 19:28

2024-10-17 19:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625684

Originator Pre-Close

Yes

XXXX

20250906074

XXXX

XXXX

XXXX

Closed

2024-10-12 21:00

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585336

Investor Post-Close

No

XXXX

20250906074

XXXX

XXXX

XXXX

Closed

2024-10-17 18:05

2024-10-22 19:36

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/22/2024   Ready for Review-Document Uploaded. "Uploaded 1st mortgage snapshot"   - Seller-10/19/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing verification of 1st lien P&I payment. - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. "Uploaded 1st mortgage snapshot "  - Seller-10/19/2024

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/22/2024

XXXXXXXXXX Mortgage Snapshot.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2624556

N/A

N/A

XXXX

20250906074

XXXX

XXXX

XXXX

Closed

2024-10-17 17:29

2024-10-22 19:34

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/22/2024   Ready for Review-Document Uploaded. "Uploaded 1st mortgage snapshot"   - Seller-10/19/2024 Open-Missing verification of 1st lien P&I payment. - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. "Uploaded 1st mortgage snapshot "  - Seller-10/19/2024

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/22/2024

XXXXXXXXXXMortgage Snapshot.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2624063

N/A

N/A

XXXX

20250906074

XXXX

XXXX

XXXX

Closed

2024-10-17 17:29

2024-10-22 19:30

Resolved

1 - Information

Credit

Missing Doc

Missing Payoff Statement for prior loan

Resolved-Lender provided sufficient evidence of the prior loan payoff statement. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "Uploaded payoff, payoff is listed towards bottom of page 1."   - Seller-10/19/2024 Open-Missing payoff statement for prior loan. - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. "Uploaded payoff, payoff is listed towards bottom of page 1. "  - Seller-10/19/2024

Resolved-Lender provided sufficient evidence of the prior loan payoff statement. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/22/2024

XXXXXXXXXX Payoff.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2624080

N/A

N/A

XXXX

20250906074

XXXX

XXXX

XXXX

Closed

2024-10-14 20:34

2024-10-17 18:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

XX

Primary Residence

Refinance

Cash Out - Other

2594570

Originator Post-Close

No

XXXX

20250905910

XXXX

XXXX

XXXX

Closed

2024-10-15 10:43

2024-11-12 21:47

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597136

N/A

N/A

XXXX

20250905910

XXXX

XXXX

XXXX

Closed

2024-10-12 16:50

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EV2. - Due Diligence Vendor-10/12/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2584823

Investor Post-Close

No

XXXX

20250905910

XXXX

XXXX

XXXX

Closed

2024-10-15 10:53

2024-10-15 17:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597195

Investor Post-Close

No

XXXX

20250905814

XXXX

XXXX

XXXX

Closed

2024-10-26 16:52

2024-11-05 15:23

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Please move/escalate to XX queue as these are being ordered by XX. - Seller-10/30/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/26/2024

Ready for Review-Please move/escalate to XX queue as these are being ordered by XX. - Seller-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2689170

N/A

N/A

XXXX

20250905814

XXXX

XXXX

XXXX

Closed

2024-10-26 16:34

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689134

Investor Post-Close

No

XXXX

20250905814

XXXX

XXXX

XXXX

Closed

2024-10-26 16:51

2024-10-26 16:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689168

Investor Post-Close

No

XXXX

20250905983

XXXX

XXXX

XXXX

Closed

2024-10-12 20:37

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing .  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585298

Investor Post-Close

No

XXXX

20250905983

XXXX

XXXX

XXXX

Closed

2024-10-14 20:37

2024-10-15 17:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

XX

Primary Residence

Refinance

Cash Out - Other

2594599

Investor Post-Close

No

XXXX

20250906006

XXXX

XXXX

XXXX

Closed

2024-10-22 14:37

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655329

Investor Post-Close

No

XXXX

20250906006

XXXX

XXXX

XXXX

Closed

2024-10-15 10:57

2024-10-22 14:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597220

Investor Post-Close

No

XXXX

20250905987

XXXX

XXXX

XXXX

Closed

2024-10-12 13:05

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2584182

Investor Post-Close

No

XXXX

20250905987

XXXX

XXXX

XXXX

Closed

2024-10-15 10:41

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597123

Investor Post-Close

No

XXXX

20250905749

XXXX

XXXX

XXXX

Closed

2024-10-16 20:19

2024-11-18 18:42

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii))  No Cure. - Due Diligence Vendor-10/16/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2616074

N/A

N/A

XXXX

20250905749

XXXX

XXXX

XXXX

Closed

2024-10-16 20:19

2024-11-18 18:42

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Counter-Lender provided the initial 1003 and Disclosure Tracking. However, the “Data Entry Proof Sheet” (p337) and “ATR Worksheet” (p2195) both reflect an application date of XX/XX/XXXX. Therefore, the Homeownership disclosure is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Provide a sufficient explanation as to why the Application date on the Data Entry Proof Sheet and ATR Worksheet were reflected as XX/XX/XXXX versus the earliest Application in file dated XX/XX/XXXX. Condition remains.    - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. Initial 1003 in file is dated XX/XX/XXXX, disclosure tracking supports date of XX/XX/XXXX. - Seller-10/19/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)   - Due Diligence Vendor-10/16/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024  Ready for Review-Document Uploaded. Initial 1003 in file is dated XX/XX/XXXX, disclosure tracking supports date of 1/2/2024. - Seller-10/19/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XXXXXXXXXX Initial 1003 dated XX/XX/XXXX.pdf XXXXXXXXXX Disclosure Tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2616073

N/A

N/A

XXXX

20250905749

XXXX

XXXX

XXXX

Closed

2024-10-13 12:19

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586124

Investor Post-Close

No

XXXX

20250905749

XXXX

XXXX

XXXX

Closed

2024-10-16 20:24

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2616121

Investor Post-Close

No

XXXX

20250905649

XXXX

XXXX

XXXX

Closed

2024-10-11 22:15

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/11/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2583103

Investor Post-Close

No

XXXX

20250905649

XXXX

XXXX

XXXX

Closed

2024-10-15 11:17

2024-10-17 20:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597350

Investor Post-Close

No

XXXX

20250906014

XXXX

XXXX

XXXX

Closed

2024-10-19 13:35

2024-11-04 18:12

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/20/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639078

N/A

N/A

XXXX

20250906014

XXXX

XXXX

XXXX

Closed

2024-10-16 15:48

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612010

Investor Post-Close

No

XXXX

20250906014

XXXX

XXXX

XXXX

Closed

2024-10-19 14:00

2024-10-20 18:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639187

Investor Post-Close

No

XXXX

20250905795

XXXX

XXXX

XXXX

Closed

2024-10-17 11:18

2024-11-11 19:52

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-Lender provided evidence there are no XXX dues for the subject.  Condition cleared.  - Due Diligence Vendor-11/11/2024 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. property is not subject to XXX, it is voluntary. Uploaded XXX docs and LOX from borrower. - Seller-11/09/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. property is not subject to XXX, it is voluntary. Uploaded XXX docs and LOX from borrower. - Seller-11/09/2024

Resolved-Lender provided evidence there are no XXX dues for the subject.  Condition cleared.  - Due Diligence Vendor-11/11/2024  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/11/2024

lox.pdf XXXX+Incorporation+Document+XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619173

N/A

N/A

XXXX

20250905795

XXXX

XXXX

XXXX

Closed

2024-10-14 12:40

2024-11-11 19:52

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of XXX Dues for Primary Residence

Resolved-Lender provided evidence there are no XXX dues for the subject.  Condition cleared.  - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. property is not subject to XXX, it is voluntary. Uploaded XXX docs and LOX from borrower. - Seller-11/09/2024 Open-Missing Evidence of XXX Dues for Primary Residence Missing evidence of XXX. Additional conditions may apply.   - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. property is not subject to XXX, it is voluntary. Uploaded XXX docs and LOX from borrower. - Seller-11/09/2024

Resolved-Lender provided evidence there are no XXX dues for the subject.  Condition cleared.  - Due Diligence Vendor-11/11/2024

lox.pdf XXXX+Incorporation+Document+XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2588513

N/A

N/A

XXXX

20250905795

XXXX

XXXX

XXXX

Closed

2024-10-11 20:13

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/11/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2582038

Investor Post-Close

No

XXXX

20250905795

XXXX

XXXX

XXXX

Closed

2024-10-15 19:01

2024-10-17 11:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2603747

Investor Post-Close

No

XXXX

20250905705

XXXX

XXXX

XXXX

Closed

2024-10-12 19:21

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/12/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585167

Investor Post-Close

No

XXXX

20250905705

XXXX

XXXX

XXXX

Closed

2024-10-15 10:35

2024-10-21 15:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597089

Investor Post-Close

No

XXXX

20250906093

XXXX

XXXX

XXXX

Closed

2024-10-12 20:39

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585301

Investor Post-Close

No

XXXX

20250906093

XXXX

XXXX

XXXX

Closed

2024-10-15 11:18

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597365

Investor Post-Close

No

XXXX

20250905972

XXXX

XXXX

XXXX

Closed

2024-10-14 17:43

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2592232

Investor Post-Close

No

XXXX

20250905972

XXXX

XXXX

XXXX

Closed

2024-10-16 12:39

2024-10-21 16:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609037

Investor Post-Close

No

XXXX

20250905984

XXXX

XXXX

XXXX

Closed

2024-10-15 11:40

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597512

Investor Post-Close

No

XXXX

20250905984

XXXX

XXXX

XXXX

Closed

2024-10-15 13:59

2024-10-22 11:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599023

Investor Post-Close

No

XXXX

20250906069

XXXX

XXXX

XXXX

Closed

2024-10-12 18:40

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/12/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585069

Investor Post-Close

No

XXXX

20250906069

XXXX

XXXX

XXXX

Closed

2024-10-16 11:48

2024-10-16 11:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608624

Investor Post-Close

No

XXXX

20250906097

XXXX

XXXX

XXXX

Closed

2024-10-15 08:52

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596746

Investor Post-Close

No

XXXX

20250906097

XXXX

XXXX

XXXX

Closed

2024-10-15 10:40

2024-10-23 18:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597118

Investor Post-Close

No

XXXX

20250906026

XXXX

XXXX

XXXX

Closed

2024-10-14 21:01

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2594803

Investor Post-Close

No

XXXX

20250906026

XXXX

XXXX

XXXX

Closed

2024-10-16 12:39

2024-10-18 12:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609036

Investor Post-Close

No

XXXX

20250905838

XXXX

XXXX

XXXX

Closed

2024-10-12 13:27

2024-11-04 18:16

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/12/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2584242

N/A

N/A

XXXX

20250905838

XXXX

XXXX

XXXX

Closed

2024-10-12 13:07

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/12/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2584191

Investor Post-Close

No

XXXX

20250905838

XXXX

XXXX

XXXX

Closed

2024-10-18 13:27

2024-10-18 13:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630598

Investor Post-Close

No

XXXX

20250905871

XXXX

XXXX

XXXX

Closed

2024-10-13 09:39

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2585902

Investor Post-Close

No

XXXX

20250905871

XXXX

XXXX

XXXX

Closed

2024-10-16 18:56

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2614885

Investor Post-Close

No

XXXX

20250906001

XXXX

XXXX

XXXX

Closed

2024-10-14 14:40

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing .  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2589718

Investor Post-Close

No

XXXX

20250906001

XXXX

XXXX

XXXX

Closed

2024-10-15 16:30

2024-10-16 11:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2601503

Investor Post-Close

No

XXXX

20250905979

XXXX

XXXX

XXXX

Closed

2024-10-12 14:42

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2584469

Investor Post-Close

No

XXXX

20250905979

XXXX

XXXX

XXXX

Closed

2024-10-16 12:24

2024-10-18 18:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608916

Investor Post-Close

No

XXXX

20250906056

XXXX

XXXX

XXXX

Closed

2024-10-30 17:19

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2714431

Investor Post-Close

No

XXXX

20250906056

XXXX

XXXX

XXXX

Closed

2024-10-30 18:17

2024-10-30 18:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2715293

Investor Post-Close

No

XXXX

20250906157

XXXX

XXXX

XXXX

Closed

2024-10-20 10:51

2024-11-04 18:16

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/20/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641334

N/A

N/A

XXXX

20250906157

XXXX

XXXX

XXXX

Closed

2024-10-14 14:12

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2589359

Investor Post-Close

No

XXXX

20250906157

XXXX

XXXX

XXXX

Closed

2024-10-20 11:13

2024-10-20 11:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641380

Investor Post-Close

No

XXXX

20250905651

XXXX

XXXX

XXXX

Closed

2024-10-14 15:08

2024-12-16 19:01

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Lender provided evidence of receipt of the initial CD.  Condition cleared.   - Due Diligence Vendor-12/16/2024 Resolved-Resolved - Due Diligence Vendor-12/16/2024 Ready for Review-Document Uploaded. signed initial CD uploaded - Seller-12/16/2024 Counter-Lender provided initial CD with no evidence of receipt. The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)). Condition remains. - Due Diligence Vendor-11/25/2024 Ready for Review-The comment from auditor as to why being returned is blank. Please advise. Thank you. - Seller-11/22/2024 Counter- - Due Diligence Vendor-11/19/2024 Open-Lender provided initial CD with no evidence of receipt.  The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)).  Condition remains.   - Due Diligence Vendor-11/19/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii))   - Due Diligence Vendor-11/19/2024 Ready for Review-11/15/2024 - The disclosure tracking showing an initial CD was issued XX/XX/XXXX  is not the Initial CD, this was the CD sent to the Closing agent as part of the CD Balancing package and not issued to borrower. The initial CD is dated XX/XX/XXXX.  - Seller-11/15/2024 Counter-Signed initial CD is not part of the uploaded docs. Please provide the signed doc. Condition remains. - Due Diligence Vendor-11/13/2024 Ready for Review-Document Uploaded. uploaded signed initial CD - Seller-11/13/2024 Counter-Lender provided the Disclosure Tracking Details for the initial CD. However, the said document does not reflect borrower(s) received method nor does it reflect the eDisclosure sent date, confirmation document viewed and evidence of acceptance for eConsent for the borrower(s). Unable to determine borrower(s) received date. Condition remains.  - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded Disclosure Tracking showing sent XX/XX/XXXX - Seller-10/26/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (2024-02-07). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. signed initial CD uploaded - Seller-12/16/2024  Ready for Review-The comment from auditor as to why being returned is blank. Please advise. Thank you. - Seller-11/22/2024  Ready for Review-11/15/2024 - The disclosure tracking showing an initial CD was issued XX/XX/XXXX  is not the Initial CD, this was the CD sent to the Closing agent as part of the CD Balancing package and not issued to borrower. The initial CD is dated XX/XX/XXXX.  - Seller-11/15/2024  Ready for Review-Document Uploaded. uploaded signed initial CD - Seller-11/13/2024  Ready for Review-Document Uploaded. Uploaded Disclosure Tracking showing sent XX/XX/XXXX - Seller-10/26/2024

Resolved-Lender provided evidence of receipt of the initial CD.  Condition cleared.   - Due Diligence Vendor-12/16/2024  Resolved-Resolved - Due Diligence Vendor-12/16/2024

Disclosure tracking.pdf package.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2590068

N/A

N/A

XXXX

20250905651

XXXX

XXXX

XXXX

Closed

2024-10-20 14:15

2024-11-13 22:06

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Received ALTA Settlement statement. Signed Estimated doc in file matches the final CD and the Final Settlement statement has a lower recording fee (benefit to borrower). Condition cleared. - Due Diligence Vendor-11/13/2024 Ready for Review-Document Uploaded. uploaded Final Alta - Seller-11/13/2024 Counter-The subject is in a dry funding state. The final Settlement Statement in file does not match the final CD in file (Mortgage Recording Fee), and a PCCD is missing from file. - Due Diligence Vendor-10/30/2024 Ready for Review-Please set this one back, placed comment on incorrect finding.  This one should still be open. Thank you. - Seller-10/26/2024 Ready for Review-Document Uploaded. Uploaded Disclosure Tracking showing sent XX/XX/XXXX - Seller-10/26/2024 Open-The subject is in a dry funding state.  The final Settlement Statement in file does not match the final CD in file (Mortgage Recording Fee), and a PCCD is missing from file. - Due Diligence Vendor-10/20/2024

Ready for Review-Document Uploaded. uploaded Final Alta - Seller-11/13/2024  Ready for Review-Please set this one back, placed comment on incorrect finding.  This one should still be open. Thank you. - Seller-10/26/2024  Ready for Review-Document Uploaded. Uploaded Disclosure Tracking showing sent XX/XX/XXXX - Seller-10/26/2024

Resolved-Received ALTA Settlement statement. Signed Estimated doc in file matches the final CD and the Final Settlement statement has a lower recording fee (benefit to borrower). Condition cleared. - Due Diligence Vendor-11/13/2024

Final ALTA.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641859

N/A

N/A

XXXX

20250905651

XXXX

XXXX

XXXX

Closed

2024-10-14 14:25

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2589510

Investor Post-Close

No

XXXX

20250905651

XXXX

XXXX

XXXX

Closed

2024-10-20 13:49

2024-10-20 13:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641794

Investor Post-Close

No

XXXX

20250905977

XXXX

XXXX

XXXX

Closed

2024-10-12 09:26

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2583826

Investor Post-Close

No

XXXX

20250905977

XXXX

XXXX

XXXX

Closed

2024-10-15 19:47

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604408

Investor Post-Close

No

XXXX

20250905816

XXXX

XXXX

XXXX

Closed

2024-10-14 18:50

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2593287

Investor Post-Close

No

XXXX

20250905816

XXXX

XXXX

XXXX

Closed

2024-10-28 15:08

2024-10-28 15:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2694578

Investor Post-Close

No

XXXX

20250905653

XXXX

XXXX

XXXX

Closed

2024-10-22 12:31

2024-11-11 22:51

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024 Escalated-Escalated to XX for consideration.   - Due Diligence Vendor-10/31/2024 Unable to Resolve-Unable to Resolve-"Agree - UW used a 1st mortgage balance of $XXX,XXX.XX + $XX,XXX.XX / XXX,XXX.XX= XX,XXX.XX.  The actual 1st mortgage upb from credit $XXX,XXX.XX + $XX,XXX.XX 2nd = $XXX,XXX.XX/XXX,XXX.XX value = 75.73%"  - Seller-10/28/2024   Open-First lien balance of $XXX,XXX.XX plus the subject lien of $XX,XXX.XX with a property value of $XXX,XXX.XX results in a CLTV of 75.73%.  The guidelines limit the CLTV to 75% due to FICO less than 719.   - Due Diligence Vendor-10/22/2024   Open-Audited CLTV of 75.73% exceeds Guideline CLTV of 75% - Due Diligence Vendor-10/22/2024

Unable to Resolve-Unable to Resolve-"Agree - UW used a 1st mortgage balance of $XXX,XXX.XX + $XX,XXX / XXXXXX= 74.837.  The actual 1st mortgage upb from credit $XXX,XXX + $XX,XXX 2nd = $XXXXXX/XXXXXX value = 75.73% "  - Seller-10/28/2024

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024

Residual income $XXXX;  Borrower has been in the same line of work for 16 years;  CLTV of 75% is just barely above the requirement and there is still equity in the home.

XX

Primary Residence

Refinance

Cash Out - Other

2653922

Investor Post-Close

No

XXXX

20250905653

XXXX

XXXX

XXXX

Closed

2024-10-14 10:57

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2587981

Investor Post-Close

No

XXXX

20250905653

XXXX

XXXX

XXXX

Closed

2024-10-15 09:58

2024-10-15 17:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596924

Investor Post-Close

No

XXXX

20250905839

XXXX

XXXX

XXXX

Closed

2024-10-13 20:31

2024-11-04 18:17

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Moved to DD Queue - Due Diligence Vendor-10/16/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2587179

N/A

N/A

XXXX

20250905839

XXXX

XXXX

XXXX

Closed

2024-10-13 20:16

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2587155

Investor Post-Close

No

XXXX

20250905839

XXXX

XXXX

XXXX

Closed

2024-10-14 14:16

2024-10-23 11:44

Resolved

1 - Information

Credit

Eligibility

Transaction Ineligible

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded 1st mortgage snapshot reflecting XXXXXXXX on top right side. "  - Seller-10/21/2024 Open-There is no evidence provided in the loan file that the borrower had a closed end 1st mortgage in XXXXXXXX Loan Servicing's portfolio for at least 150 days.   - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded. "uploaded 1st mortgage snapshot reflecting XXXXXXXX on top right side. "  - Seller-10/21/2024

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/23/2024

XXXXXXXXXX 1s mortgage snapshot.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2589386

N/A

N/A

XXXX

20250905616

XXXX

XXXX

XXXX

Closed

2024-10-13 08:12

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585840

Investor Post-Close

No

XXXX

20250905616

XXXX

XXXX

XXXX

Closed

2024-10-17 20:47

2024-10-18 10:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2626648

Investor Post-Close

No

XXXX

20250906061

XXXX

XXXX

XXXX

Closed

2024-10-14 14:13

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2589362

Investor Post-Close

No

XXXX

20250906061

XXXX

XXXX

XXXX

Closed

2024-10-16 12:47

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609128

Investor Post-Close

No

XXXX

20250906122

XXXX

XXXX

XXXX

Closed

2024-10-14 14:32

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2589609

Investor Post-Close

No

XXXX

20250906122

XXXX

XXXX

XXXX

Closed

2024-10-19 13:04

2024-10-20 18:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638982

Investor Post-Close

No

XXXX

20250905587

XXXX

XXXX

XXXX

Closed

2024-10-14 16:10

2024-10-30 17:25

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2590854

Investor Post-Close

No

XXXX

20250905587

XXXX

XXXX

XXXX

Closed

2024-10-20 18:06

2024-10-20 18:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642433

Investor Post-Close

No

XXXX

20250906011

XXXX

XXXX

XXXX

Closed

2024-10-14 16:30

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2591137

Investor Post-Close

No

XXXX

20250906011

XXXX

XXXX

XXXX

Closed

2024-10-17 18:13

2024-10-25 15:43

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024 Resolved-Post incident inspection provided.  No Damage Reported. - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/17/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024  Resolved-Post incident inspection provided.  No Damage Reported. - Due Diligence Vendor-10/25/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2624655

N/A

N/A

XXXX

20250906011

XXXX

XXXX

XXXX

Closed

2024-10-16 12:42

2024-10-17 17:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609073

Investor Post-Close

No

XXXX

20250906153

XXXX

XXXX

XXXX

Closed

2024-10-14 07:08

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2587699

Investor Post-Close

No

XXXX

20250906153

XXXX

XXXX

XXXX

Closed

2024-10-16 15:02

2024-10-21 17:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611008

Investor Post-Close

No

XXXX

20250906214

XXXX

XXXX

XXXX

Closed

2024-10-28 17:49

2025-01-06 15:04

Acknowledged

2 - Non-Material

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Acknowledged-The lender provided a post consummation verification of employment for the borrower. Finding is deemed non-material and will be rated a B. - Due Diligence Vendor-01/06/2025 Cured-The lender provided a post consummation verification of employment for the borrower. Finding is deemed non-material and will be rated a B. - Due Diligence Vendor-11/19/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded Certificate of Good standing dated XX/XX/XXXX. Please escalate to XX if you are unable to clear as PC verification - Seller-11/19/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE provided was not dated. - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. uploaded Certificate of Good standing dated XX/XXXX. Please escalate to XX if you are unable to clear as PC verification - Seller-11/19/2024

Acknowledged-The lender provided a post consummation verification of employment for the borrower. Finding is deemed non-material and will be rated a B. - Due Diligence Vendor-01/06/2025  Cured-The lender provided a post consummation verification of employment for the borrower. Finding is deemed non-material and will be rated a B. - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2696567

Originator Post-Close

No

XXXX

20250906214

XXXX

XXXX

XXXX

Closed

2024-10-15 19:40

2024-11-20 13:18

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided a PC VVOE.  ATR Finding resolved. - Due Diligence Vendor-11/20/2024 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/20/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-11/19/2024 Resolved-Lender provided a PC VVOE. ATR Finding resolved. - Due Diligence Vendor-11/19/2024 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded Certificate of Good standing dated XX/XX/XXXX. Please escalate to XX if you are unable to clear as PC verification - Seller-11/19/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender Guideline require a Verification of Borrower's Business within 20 days of note date, a Business License was provided on #1856 however date is missing to verify verification within 20 days. - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. uploaded Certificate of Good standing dated XX/XXXX. Please escalate to XX if you are unable to clear as PC verification - Seller-11/19/2024

Resolved-Lender provided a PC VVOE.  ATR Finding resolved. - Due Diligence Vendor-11/20/2024  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/20/2024  Resolved-Lender provided a PC VVOE. ATR Finding resolved. - Due Diligence Vendor-11/19/2024  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2604317

N/A

N/A

XXXX

20250906214

XXXX

XXXX

XXXX

Closed

2024-10-15 21:04

2024-10-18 12:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2605444

Investor Post-Close

No

XXXX

20250905646

XXXX

XXXX

XXXX

Closed

2024-10-13 11:41

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing  AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2586038

Investor Post-Close

No

XXXX

20250905646

XXXX

XXXX

XXXX

Closed

2024-10-15 20:18

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604793

Investor Post-Close

No

XXXX

20250905946

XXXX

XXXX

XXXX

Closed

2024-10-15 13:17

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2598458

Investor Post-Close

No

XXXX

20250905946

XXXX

XXXX

XXXX

Closed

2024-10-15 17:51

2024-10-16 10:56

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602718

Investor Post-Close

No

XXXX

20250906155

XXXX

XXXX

XXXX

Closed

2024-10-14 16:26

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2591064

Investor Post-Close

No

XXXX

20250906155

XXXX

XXXX

XXXX

Closed

2024-10-15 19:43

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604363

Investor Post-Close

No

XXXX

20250905919

XXXX

XXXX

XXXX

Closed

2024-10-12 12:05

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/12/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2584031

Investor Post-Close

No

XXXX

20250905919

XXXX

XXXX

XXXX

Closed

2024-10-16 12:25

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608922

Investor Post-Close

No

XXXX

20250905966

XXXX

XXXX

XXXX

Closed

2024-10-12 20:10

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/12/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2585250

Investor Post-Close

No

XXXX

20250905966

XXXX

XXXX

XXXX

Closed

2024-10-18 14:27

2024-10-18 18:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2631262

Investor Post-Close

No

XXXX

20250905963

XXXX

XXXX

XXXX

Closed

2024-10-15 12:56

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing  This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2598195

Investor Post-Close

No

XXXX

20250905963

XXXX

XXXX

XXXX

Closed

2024-10-15 13:19

2024-10-19 02:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2598476

Originator Post-Close

No

XXXX

20250905614

XXXX

XXXX

XXXX

Closed

2024-10-13 11:58

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586085

Investor Post-Close

No

XXXX

20250905614

XXXX

XXXX

XXXX

Closed

2024-10-16 16:06

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2612332

Investor Post-Close

No

XXXX

20250906208

XXXX

XXXX

XXXX

Closed

2024-10-16 14:30

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2610546

Investor Post-Close

No

XXXX

20250906208

XXXX

XXXX

XXXX

Closed

2024-10-16 15:03

2024-10-22 14:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2611023

Investor Post-Close

No

XXXX

20250905647

XXXX

XXXX

XXXX

Closed

2024-10-14 17:43

2024-11-06 15:10

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Please escalate to XX. Value only avm - Seller-11/03/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. Please escalate to XX. Value only avm - Seller-11/03/2024

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024

avm.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2592238

N/A

N/A

XXXX

20250905647

XXXX

XXXX

XXXX

Closed

2024-10-14 15:01

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2589985

Investor Post-Close

No

XXXX

20250905647

XXXX

XXXX

XXXX

Closed

2024-10-20 18:49

2024-10-20 18:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2642530

Investor Post-Close

No

XXXX

20250906118

XXXX

XXXX

XXXX

Closed

2024-10-14 16:46

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2591329

Investor Post-Close

No

XXXX

20250906118

XXXX

XXXX

XXXX

Closed

2024-10-21 12:52

2024-10-21 12:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645234

Investor Post-Close

No

XXXX

20250905612

XXXX

XXXX

XXXX

Closed

2024-10-11 20:53

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/11/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2582457

Investor Post-Close

No

XXXX

20250906193

XXXX

XXXX

XXXX

Closed

2024-10-15 11:51

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597578

Investor Post-Close

No

XXXX

20250906193

XXXX

XXXX

XXXX

Closed

2024-10-15 12:27

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597898

Investor Post-Close

No

XXXX

20250906031

XXXX

XXXX

XXXX

Closed

2024-10-14 13:25

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2588949

Investor Post-Close

No

XXXX

20250906031

XXXX

XXXX

XXXX

Closed

2024-10-16 15:03

2024-10-21 14:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2611017

Investor Post-Close

No

XXXX

20250906137

XXXX

XXXX

XXXX

Closed

2024-10-15 12:37

2024-11-06 19:14

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2598024

N/A

N/A

XXXX

20250906137

XXXX

XXXX

XXXX

Closed

2024-10-15 12:09

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597711

Investor Post-Close

No

XXXX

20250906137

XXXX

XXXX

XXXX

Closed

2024-10-15 12:52

2024-10-28 16:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2598166

Investor Post-Close

No

XXXX

20250906073

XXXX

XXXX

XXXX

Closed

2024-10-12 08:41

2024-11-04 18:18

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Escalated - Due Diligence Vendor-10/12/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2583799

N/A

N/A

XXXX

20250906073

XXXX

XXXX

XXXX

Closed

2024-10-12 08:21

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/12/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2583776

Investor Post-Close

No

XXXX

20250906073

XXXX

XXXX

XXXX

Closed

2024-10-18 13:39

2024-10-18 13:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630736

Investor Post-Close

No

XXXX

20250905938

XXXX

XXXX

XXXX

Closed

2024-10-15 18:19

2024-11-12 21:51

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2603109

N/A

N/A

XXXX

20250905938

XXXX

XXXX

XXXX

Closed

2024-10-13 12:35

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing .  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2586169

Investor Post-Close

No

XXXX

20250905938

XXXX

XXXX

XXXX

Closed

2024-10-15 18:54

2024-10-16 11:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603675

Investor Post-Close

No

XXXX

20250906054

XXXX

XXXX

XXXX

Closed

2024-10-14 19:51

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2594065

Investor Post-Close

No

XXXX

20250906054

XXXX

XXXX

XXXX

Closed

2024-10-15 12:11

2024-10-22 13:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597724

Investor Post-Close

No

XXXX

20250905978

XXXX

XXXX

XXXX

Closed

2024-10-15 13:28

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2598619

Investor Post-Close

No

XXXX

20250905978

XXXX

XXXX

XXXX

Closed

2024-10-15 14:04

2024-10-23 14:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599116

Investor Post-Close

No

XXXX

20250905750

XXXX

XXXX

XXXX

Closed

2024-10-15 14:09

2024-11-05 16:20

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Open- - Due Diligence Vendor-10/30/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2599200

N/A

N/A

XXXX

20250905750

XXXX

XXXX

XXXX

Closed

2024-10-15 13:18

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2598475

Investor Post-Close

No

XXXX

20250905750

XXXX

XXXX

XXXX

Closed

2024-10-15 14:48

2024-10-18 12:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599969

Investor Post-Close

No

XXXX

20250905900

XXXX

XXXX

XXXX

Closed

2024-10-16 11:13

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608376

Investor Post-Close

No

XXXX

20250905900

XXXX

XXXX

XXXX

Closed

2024-10-16 11:43

2024-10-29 13:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608573

Investor Post-Close

No

XXXX

20250905733

XXXX

XXXX

XXXX

Closed

2024-10-13 08:28

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2585862

Investor Post-Close

No

XXXX

20250905733

XXXX

XXXX

XXXX

Closed

2024-10-14 20:07

2024-10-15 17:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/14/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2594250

Investor Post-Close

No

XXXX

20250906189

XXXX

XXXX

XXXX

Closed

2024-10-15 13:47

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2598851

Investor Post-Close

No

XXXX

20250906189

XXXX

XXXX

XXXX

Closed

2024-10-15 20:08

2024-10-25 15:33

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2604679

N/A

N/A

XXXX

20250906189

XXXX

XXXX

XXXX

Closed

2024-10-15 14:22

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599430

Investor Post-Close

No

XXXX

20250905590

XXXX

XXXX

XXXX

Closed

2024-10-14 17:50

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2592499

Investor Post-Close

No

XXXX

20250905590

XXXX

XXXX

XXXX

Closed

2024-10-14 20:00

2024-10-15 17:11

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

XX

Primary Residence

Refinance

Cash Out - Other

2594185

Investor Post-Close

No

XXXX

20250906007

XXXX

XXXX

XXXX

Closed

2024-10-13 10:56

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2585971

Investor Post-Close

No

XXXX

20250906007

XXXX

XXXX

XXXX

Closed

2024-10-16 13:43

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609820

Investor Post-Close

No

XXXX

20250905711

XXXX

XXXX

XXXX

Closed

2024-10-14 17:54

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2592562

Investor Post-Close

No

XXXX

20250905711

XXXX

XXXX

XXXX

Closed

2024-10-14 20:38

2024-10-21 14:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

XX

Primary Residence

Refinance

Cash Out - Other

2594614

Investor Post-Close

No

XXXX

20250905803

XXXX

XXXX

XXXX

Closed

2024-10-15 12:30

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597920

Investor Post-Close

No

XXXX

20250905803

XXXX

XXXX

XXXX

Closed

2024-10-15 14:22

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599438

Investor Post-Close

No

XXXX

20250905724

XXXX

XXXX

XXXX

Closed

2024-10-15 12:57

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2598205

Investor Post-Close

No

XXXX

20250905724

XXXX

XXXX

XXXX

Closed

2024-10-15 13:22

2024-10-18 11:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2598512

Investor Post-Close

No

XXXX

20250905637

XXXX

XXXX

XXXX

Closed

2024-10-13 11:33

2024-11-07 13:32

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024 Ready for Review-Please escalate to XX - Seller-11/03/2024 Counter-Lender provided the AVM printout which is not sufficient. Per Compliance direction, provide the actual PDF for the AVM. Condition remains.  - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. AVM Uploaded, this is a Value Only AVM The value and confidence score are typically shown at the bottom of page 1. - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Value Only AVM uploaded, see bottom of page 1 for value and confidence score.  - Seller-10/16/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/13/2024

Ready for Review-Please escalate to XX - Seller-11/03/2024  Ready for Review-Document Uploaded. AVM Uploaded, this is a Value Only AVM The value and confidence score are typically shown at the bottom of page 1. - Seller-10/18/2024  Ready for Review-Document Uploaded. Value Only AVM uploaded, see bottom of page 1 for value and confidence score.  - Seller-10/16/2024

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024

XXXXXXXXXX AVM.pdf XXXXXXXXXX AVM.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586024

N/A

N/A

XXXX

20250905637

XXXX

XXXX

XXXX

Closed

2024-10-13 10:59

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2585974

Investor Post-Close

No

XXXX

20250905637

XXXX

XXXX

XXXX

Closed

2024-10-16 11:24

2024-10-16 11:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608447

Investor Post-Close

No

XXXX

20250905916

XXXX

XXXX

XXXX

Closed

2024-10-15 18:31

2024-11-06 19:19

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Please move or escalate to XX as they are ordering PDI's - Seller-10/30/2024 Open-Subject property is in recent disaster area and there is no post incident inspection Moved to DD Queue - Due Diligence Vendor-10/16/2024

Ready for Review-Please move or escalate to XX as they are ordering PDI's - Seller-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2603316

N/A

N/A

XXXX

20250905916

XXXX

XXXX

XXXX

Closed

2024-10-15 09:32

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596813

Investor Post-Close

No

XXXX

20250905916

XXXX

XXXX

XXXX

Closed

2024-10-15 18:33

2024-10-18 12:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603339

Investor Post-Close

No

XXXX

20250905759

XXXX

XXXX

XXXX

Closed

2024-10-14 19:40

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2593943

Investor Post-Close

No

XXXX

20250905759

XXXX

XXXX

XXXX

Closed

2024-10-14 22:16

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2595339

Investor Post-Close

No

XXXX

20250905731

XXXX

XXXX

XXXX

Closed

2024-10-13 14:11

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586355

Investor Post-Close

No

XXXX

20250905731

XXXX

XXXX

XXXX

Closed

2024-10-15 21:47

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2606240

Investor Post-Close

No

XXXX

20250905901

XXXX

XXXX

XXXX

Closed

2024-10-13 08:10

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2585838

Investor Post-Close

No

XXXX

20250905901

XXXX

XXXX

XXXX

Closed

2024-10-16 12:27

2024-10-18 13:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608936

Investor Post-Close

No

XXXX

20250905641

XXXX

XXXX

XXXX

Closed

2024-10-15 12:22

2024-10-31 16:43

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/31/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/31/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Moved to DD Queue - Due Diligence Vendor-10/16/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/31/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/31/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2597837

N/A

N/A

XXXX

20250905641

XXXX

XXXX

XXXX

Closed

2024-10-15 11:52

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597581

Investor Post-Close

No

XXXX

20250905641

XXXX

XXXX

XXXX

Closed

2024-10-15 12:53

2024-10-18 12:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2598169

Investor Post-Close

No

XXXX

20250905603

XXXX

XXXX

XXXX

Closed

2024-10-14 19:13

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2593617

Investor Post-Close

No

XXXX

20250905603

XXXX

XXXX

XXXX

Closed

2024-10-16 10:24

2024-10-29 13:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608122

Investor Post-Close

No

XXXX

20250905860

XXXX

XXXX

XXXX

Closed

2024-10-13 12:46

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586194

Investor Post-Close

No

XXXX

20250905860

XXXX

XXXX

XXXX

Closed

2024-10-16 13:22

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609496

Investor Post-Close

No

XXXX

20250905746

XXXX

XXXX

XXXX

Closed

2024-10-15 14:18

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599346

Investor Post-Close

No

XXXX

20250905746

XXXX

XXXX

XXXX

Closed

2024-10-15 14:45

2024-10-28 21:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599901

Investor Post-Close

No

XXXX

20250906185

XXXX

XXXX

XXXX

Closed

2024-10-23 17:23

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666726

Investor Post-Close

No

XXXX

20250906185

XXXX

XXXX

XXXX

Closed

2024-10-23 19:33

2024-10-23 19:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668288

Investor Post-Close

No

XXXX

20250905735

XXXX

XXXX

XXXX

Closed

2024-10-14 13:50

2024-11-04 18:19

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/14/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2589162

N/A

N/A

XXXX

20250905735

XXXX

XXXX

XXXX

Closed

2024-10-14 13:06

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2588731

Investor Post-Close

No

XXXX

20250905735

XXXX

XXXX

XXXX

Closed

2024-10-15 10:36

2024-10-21 18:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597100

Investor Post-Close

No

XXXX

20250905974

XXXX

XXXX

XXXX

Closed

2024-10-11 21:57

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/11/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2582986

Investor Post-Close

No

XXXX

20250905974

XXXX

XXXX

XXXX

Closed

2024-10-16 15:02

2024-10-21 14:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611007

Investor Post-Close

No

XXXX

20250905700

XXXX

XXXX

XXXX

Closed

2024-10-21 19:20

2024-10-29 13:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650314

Investor Post-Close

No

XXXX

20250905712

XXXX

XXXX

XXXX

Closed

2024-10-15 14:17

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599328

Investor Post-Close

No

XXXX

20250905712

XXXX

XXXX

XXXX

Closed

2024-10-15 14:52

2024-10-18 14:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2600022

Investor Post-Close

No

XXXX

20250905756

XXXX

XXXX

XXXX

Closed

2024-10-28 10:38

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692168

Investor Post-Close

No

XXXX

20250905756

XXXX

XXXX

XXXX

Closed

2024-10-28 10:45

2024-11-07 17:11

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2692209

N/A

N/A

XXXX

20250905756

XXXX

XXXX

XXXX

Closed

2024-10-28 11:50

2024-10-28 11:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692558

Investor Post-Close

No

XXXX

20250906172

XXXX

XXXX

XXXX

Closed

2024-10-17 12:02

2024-11-06 19:25

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open- - Due Diligence Vendor-10/30/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/17/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXXpdf

XX

Primary Residence

Refinance

Cash Out - Other

2619489

N/A

N/A

XXXX

20250906172

XXXX

XXXX

XXXX

Closed

2024-10-16 12:29

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608956

Investor Post-Close

No

XXXX

20250906172

XXXX

XXXX

XXXX

Closed

2024-10-17 12:25

2024-10-18 12:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619694

Investor Post-Close

No

XXXX

20250905622

XXXX

XXXX

XXXX

Closed

2024-10-15 14:22

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599433

Investor Post-Close

No

XXXX

20250905622

XXXX

XXXX

XXXX

Closed

2024-10-15 14:57

2024-10-18 15:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2600122

Investor Post-Close

No

XXXX

20250905892

XXXX

XXXX

XXXX

Closed

2024-10-12 07:38

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2583733

Investor Post-Close

No

XXXX

20250905892

XXXX

XXXX

XXXX

Closed

2024-10-17 15:51

2024-10-22 18:24

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "Uploaded 1st mortgage snapshot"   - Seller-10/19/2024 Open-Missing evidence of P&I payment for the 1st lien. Additional conditions may apply.  - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. "Uploaded 1st mortgage snapshot "  - Seller-10/19/2024

Resolved-Lender provided sufficient evidence of the current senior lien information with them via a loan servicing portfolio snapshot. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/22/2024

XXXXXXXXXX 1st Mortgage snapshot.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2622651

N/A

N/A

XXXX

20250905892

XXXX

XXXX

XXXX

Closed

2024-10-17 15:35

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2622397

Investor Post-Close

No

XXXX

20250906178

XXXX

XXXX

XXXX

Closed

2024-10-14 14:22

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing .  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2589479

Investor Post-Close

No

XXXX

20250906178

XXXX

XXXX

XXXX

Closed

2024-10-16 16:05

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612315

Investor Post-Close

No

XXXX

20250905964

XXXX

XXXX

XXXX

Closed

2024-10-14 19:35

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2593859

Investor Post-Close

No

XXXX

20250905964

XXXX

XXXX

XXXX

Closed

2024-10-21 19:28

2024-10-21 19:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650411

Investor Post-Close

No

XXXX

20250905782

XXXX

XXXX

XXXX

Closed

2024-10-15 13:56

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2598966

Investor Post-Close

No

XXXX

20250905782

XXXX

XXXX

XXXX

Closed

2024-10-15 15:02

2024-10-16 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600217

Investor Post-Close

No

XXXX

20250905635

XXXX

XXXX

XXXX

Closed

2024-10-14 14:25

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2589505

Investor Post-Close

No

XXXX

20250905635

XXXX

XXXX

XXXX

Closed

2024-10-30 10:58

2024-10-30 10:58

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709914

Investor Post-Close

No

XXXX

20250905659

XXXX

XXXX

XXXX

Closed

2024-10-15 19:22

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

This finding is non-material and will be rated a B for all agencies

XX

Primary Residence

Refinance

Cash Out - Other

2604055

Investor Post-Close

No

XXXX

20250905659

XXXX

XXXX

XXXX

Closed

2024-10-15 19:49

2024-10-19 07:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604435

Investor Post-Close

No

XXXX

20250905982

XXXX

XXXX

XXXX

Closed

2024-10-16 11:43

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608571

Investor Post-Close

No

XXXX

20250905982

XXXX

XXXX

XXXX

Closed

2024-10-17 12:27

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619710

Investor Post-Close

No

XXXX

20250905640

XXXX

XXXX

XXXX

Closed

2024-10-26 12:08

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688579

Investor Post-Close

No

XXXX

20250905640

XXXX

XXXX

XXXX

Closed

2024-10-26 12:45

2024-10-26 12:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688641

Investor Post-Close

No

XXXX

20250905655

XXXX

XXXX

XXXX

Closed

2024-10-15 16:21

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing .  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2601403

Investor Post-Close

No

XXXX

20250905655

XXXX

XXXX

XXXX

Closed

2024-10-17 19:57

2024-10-25 15:50

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/18/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2626092

N/A

N/A

XXXX

20250905655

XXXX

XXXX

XXXX

Closed

2024-10-15 17:01

2024-10-17 20:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2601883

Investor Post-Close

No

XXXX

20250906117

XXXX

XXXX

XXXX

Closed

2024-10-15 14:08

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599184

Investor Post-Close

No

XXXX

20250906117

XXXX

XXXX

XXXX

Closed

2024-10-15 15:39

2024-10-22 12:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600825

Investor Post-Close

No

XXXX

20250905862

XXXX

XXXX

XXXX

Closed

2024-10-19 12:21

2025-01-09 18:03

Cured

2 - Non-Material

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Cured-Proof of refund, RTC, letter, pccd and tracking received. Rescission period ended. This condition is Cured Post Close. - Due Diligence Vendor-01/09/2025 Cured- - Due Diligence Vendor-01/09/2025 Cured-Proof of refund, RTC, letter, pccd and tracking received.  Rescission period ended.  This condition is Cured Post Close.   - Due Diligence Vendor-01/09/2025 Ready for Review-Document Uploaded. proof of refund, RTC, letter, pccd and tracking uploaded - Seller-01/08/2025 Unable to Resolve-Unable to Waive.  - Due Diligence Vendor-12/09/2024 Escalated-Lender requested condition to be escalated for consideration.  Since XXXXXXXX is a dry funding state, the final CD is the one provided at or before consummation. The finance charge figure was not corrected until XX/XX/XXXX which is after the final CD was provided on XX/XX/XXXX. Therefore, provide Letter of Explanation, Proof of Restitution in the amount of $XXX, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. Condition maintained. - Due Diligence Vendor-11/21/2024 Ready for Review-Please escalate, if needed - On previous call it was stated that no action would need to be taken since the PCCD reflected the correct APR %.  - Seller-11/20/2024 Counter-Since XXXXXXXX is a dry funding state, the final CD is the one provided at or before consummation. The finance charge figure was not corrected until XX/XX/XXX which is after the final CD was provided on XX/XX/XXXX. Therefore, provide Letter of Explanation, Proof of Restitution in the amount of $XXX, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. Condition maintained. - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. From PC area - Per Call with XXX and XXX we have uploaded PCCD and disclosure tracking to XX SALE folder which show correction prior to disbursement.  No curable action is needed - Seller-11/07/2024 Open-The disclosed finance charge ($XX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the lender did not include the Settlement/Closing Fee in the amount of $XXX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. proof of refund, RTC, letter, pccd and tracking uploaded - Seller-01/08/2025  Ready for Review-Please escalate, if needed - On previous call it was stated that no action would need to be taken since the PCCD reflected the correct APR %.  - Seller-11/20/2024  Ready for Review-Document Uploaded. From PC area - Per Call with XXXXXX and XXXX we have uploaded PCCD and disclosure tracking to XX SALE folder which show correction prior to disbursement.  No curable action is needed - Seller-11/07/2024

Cured-Proof of refund, RTC, letter, pccd and tracking received. Rescission period ended. This condition is Cured Post Close. - Due Diligence Vendor-01/09/2025  Cured-Proof of refund, RTC, letter, pccd and tracking received.  Rescission period ended.  This condition is Cured Post Close.   - Due Diligence Vendor-01/09/2025

package.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2638828

N/A

N/A

XXXX

20250905862

XXXX

XXXX

XXXX

Closed

2024-10-14 11:52

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2588203

Investor Post-Close

No

XXXX

20250905675

XXXX

XXXX

XXXX

Closed

2024-10-14 19:16

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2593649

Investor Post-Close

No

XXXX

20250905675

XXXX

XXXX

XXXX

Closed

2024-10-14 20:33

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/14/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2594532

Investor Post-Close

No

XXXX

20250905761

XXXX

XXXX

XXXX

Closed

2024-10-17 18:06

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2624570

Investor Post-Close

No

XXXX

20250905761

XXXX

XXXX

XXXX

Closed

2024-10-17 18:49

2024-10-18 11:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625171

Investor Post-Close

No

XXXX

20250906096

XXXX

XXXX

XXXX

Closed

2024-10-16 18:03

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EV2.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2614113

Investor Post-Close

No

XXXX

20250906096

XXXX

XXXX

XXXX

Closed

2024-10-16 18:43

2024-10-23 13:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2614668

Investor Post-Close

No

XXXX

20250906143

XXXX

XXXX

XXXX

Closed

2024-10-20 12:50

2024-11-04 18:23

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/21/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/04/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641607

N/A

N/A

XXXX

20250906143

XXXX

XXXX

XXXX

Closed

2024-10-20 13:23

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641705

Investor Post-Close

No

XXXX

20250906143

XXXX

XXXX

XXXX

Closed

2024-10-14 19:59

2024-10-23 15:32

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided 1008.  Condition cleared. - Due Diligence Vendor-10/23/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded.  - Seller-10/23/2024 Ready for Review-Document Uploaded. uploaded final 1008 - Seller-10/23/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded.  - Seller-10/23/2024  Ready for Review-Document Uploaded. uploaded final 1008 - Seller-10/23/2024

Resolved-Lender provided 1008.  Condition cleared. - Due Diligence Vendor-10/23/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024

XXXXXXXXXX final 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2594179

N/A

N/A

XXXX

20250906143

XXXX

XXXX

XXXX

Closed

2024-10-20 13:17

2024-10-21 14:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641690

Investor Post-Close

No

XXXX

20250905898

XXXX

XXXX

XXXX

Closed

2024-10-15 15:27

2024-11-05 16:37

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2600669

N/A

N/A

XXXX

20250905898

XXXX

XXXX

XXXX

Closed

2024-10-15 15:50

2024-10-24 11:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2600997

Investor Post-Close

No

XXXX

20250906206

XXXX

XXXX

XXXX

Closed

2024-10-23 19:22

2024-11-11 15:07

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/23/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2668173

N/A

N/A

XXXX

20250906206

XXXX

XXXX

XXXX

Closed

2024-10-23 18:53

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2667835

Investor Post-Close

No

XXXX

20250906206

XXXX

XXXX

XXXX

Closed

2024-10-23 19:45

2024-10-23 19:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2668408

Investor Post-Close

No

XXXX

20250905768

XXXX

XXXX

XXXX

Closed

2024-10-15 17:36

2024-11-06 19:40

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open- - Due Diligence Vendor-10/30/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2602448

N/A

N/A

XXXX

20250905768

XXXX

XXXX

XXXX

Closed

2024-10-15 14:14

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599290

Investor Post-Close

No

XXXX

20250905768

XXXX

XXXX

XXXX

Closed

2024-10-15 17:56

2024-10-29 15:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602783

Investor Post-Close

No

XXXX

20250905760

XXXX

XXXX

XXXX

Closed

2024-10-14 15:52

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2590637

Investor Post-Close

No

XXXX

20250905760

XXXX

XXXX

XXXX

Closed

2024-10-21 18:14

2024-10-21 18:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649503

Investor Post-Close

No

XXXX

20250905706

XXXX

XXXX

XXXX

Closed

2024-10-15 14:38

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599782

Investor Post-Close

No

XXXX

20250905845

XXXX

XXXX

XXXX

Closed

2024-10-30 19:11

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2716001

Investor Post-Close

No

XXXX

20250905845

XXXX

XXXX

XXXX

Closed

2024-10-30 19:26

2024-11-07 17:15

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection. - Due Diligence Vendor-10/31/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2716197

N/A

N/A

XXXX

20250905845

XXXX

XXXX

XXXX

Closed

2024-10-30 19:52

2024-10-30 19:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2716486

Investor Post-Close

No

XXXX

20250905949

XXXX

XXXX

XXXX

Closed

2024-10-15 12:21

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597826

Investor Post-Close

No

XXXX

20250905949

XXXX

XXXX

XXXX

Closed

2024-10-15 19:16

2024-10-22 18:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603977

Investor Post-Close

No

XXXX

20250906071

XXXX

XXXX

XXXX

Closed

2024-10-15 13:43

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2598811

Investor Post-Close

No

XXXX

20250906071

XXXX

XXXX

XXXX

Closed

2024-10-15 14:22

2024-10-29 16:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599435

Investor Post-Close

No

XXXX

20250905991

XXXX

XXXX

XXXX

Closed

2024-10-13 08:25

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2585859

Investor Post-Close

No

XXXX

20250905991

XXXX

XXXX

XXXX

Closed

2024-10-14 12:00

2024-10-25 15:35

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/14/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/25/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2588252

N/A

N/A

XXXX

20250905991

XXXX

XXXX

XXXX

Closed

2024-10-16 16:24

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2612614

Investor Post-Close

No

XXXX

20250906152

XXXX

XXXX

XXXX

Closed

2024-10-15 10:10

2024-11-12 14:45

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Loan file includes a paystub with YTD income and prior year W-2.  Condition cleared.   - Due Diligence Vendor-11/12/2024 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/12/2024 Ready for Review-From Credit area - there is a paystub and W2 to support income.  A paystub with 30 days is not required provided you have most recent W2. - Seller-11/09/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/15/2024

Ready for Review-From Credit area - there is a paystub and W2 to support income.  A paystub with 30 days is not required provided you have most recent W2. - Seller-11/09/2024

Resolved-Loan file includes a paystub with YTD income and prior year W-2.  Condition cleared.   - Due Diligence Vendor-11/12/2024  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/12/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596966

N/A

N/A

XXXX

20250906152

XXXX

XXXX

XXXX

Closed

2024-10-15 10:11

2024-11-12 14:44

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Paystubs Less Than 1 Month Provided

Resolved-Loan file includes a paystub with YTD income and prior year W-2.  Condition cleared.   - Due Diligence Vendor-11/12/2024 Ready for Review-From Credit area - there is a paystub and W2 to support income.  A paystub with 30 days is not required provided you have most recent W2. - Seller-11/09/2024 Open-As per GL "The borrower’s year-to-date paystub dated no earlier than 30 days prior to the loan application date that includes 30 days of income" but less than 1 month paystub provided in loan file - Due Diligence Vendor-10/15/2024

Ready for Review-From Credit area - there is a paystub and W2 to support income.  A paystub with 30 days is not required provided you have most recent W2. - Seller-11/09/2024

Resolved-Loan file includes a paystub with YTD income and prior year W-2.  Condition cleared.   - Due Diligence Vendor-11/12/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596968

N/A

N/A

XXXX

20250906152

XXXX

XXXX

XXXX

Closed

2024-10-15 06:40

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596405

Investor Post-Close

No

XXXX

20250906152

XXXX

XXXX

XXXX

Closed

2024-10-15 07:04

2024-10-21 15:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596467

Investor Post-Close

No

XXXX

20250905992

XXXX

XXXX

XXXX

Closed

2024-10-13 16:01

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586601

Investor Post-Close

No

XXXX

20250905992

XXXX

XXXX

XXXX

Closed

2024-10-13 17:03

2024-10-24 15:54

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided business license and 2 invoices to document the business is active.  Condition cleared.   - Due Diligence Vendor-10/24/2024 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/24/2024 Ready for Review-Document Uploaded. uploaded business license and invoices to show business active - Seller-10/24/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements Co-Borrower VOE is missing - Due Diligence Vendor-10/13/2024

Ready for Review-Document Uploaded. uploaded business license and invoices to show business active - Seller-10/24/2024

Resolved-Lender provided business license and 2 invoices to document the business is active.  Condition cleared.   - Due Diligence Vendor-10/24/2024  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/24/2024

license.pdf Invoices.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586804

N/A

N/A

XXXX

20250905992

XXXX

XXXX

XXXX

Closed

2024-10-13 17:03

2024-10-24 15:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Lender provided business license and 2 invoices to document the business is active.  Condition cleared.   - Due Diligence Vendor-10/24/2024 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/24/2024 Ready for Review-Document Uploaded. uploaded business license and invoices to show business active. - Seller-10/24/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing evidence of business existence within 20 days of note date - Due Diligence Vendor-10/13/2024

Ready for Review-Document Uploaded. uploaded business license and invoices to show business active. - Seller-10/24/2024

Resolved-Lender provided business license and 2 invoices to document the business is active.  Condition cleared.   - Due Diligence Vendor-10/24/2024  Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/24/2024

license.pdf Invoices.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2586803

N/A

N/A

XXXX

20250905992

XXXX

XXXX

XXXX

Closed

2024-10-17 10:11

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618877

Investor Post-Close

No

XXXX

20250906024

XXXX

XXXX

XXXX

Closed

2024-10-16 12:47

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609125

Investor Post-Close

No

XXXX

20250906024

XXXX

XXXX

XXXX

Closed

2024-10-16 13:34

2024-10-24 16:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609679

Investor Post-Close

No

XXXX

20250905847

XXXX

XXXX

XXXX

Closed

2024-10-29 15:03

2024-11-19 13:28

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/29/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2702896

N/A

N/A

XXXX

20250905847

XXXX

XXXX

XXXX

Closed

2024-10-29 15:03

2024-11-19 13:28

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)   - Due Diligence Vendor-10/29/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2702895

N/A

N/A

XXXX

20250905847

XXXX

XXXX

XXXX

Closed

2024-10-15 09:59

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2596929

Investor Post-Close

No

XXXX

20250905847

XXXX

XXXX

XXXX

Closed

2024-10-15 11:08

2024-10-18 13:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597299

Investor Post-Close

No

XXXX

20250905620

XXXX

XXXX

XXXX

Closed

2024-10-17 18:41

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625060

Investor Post-Close

No

XXXX

20250905620

XXXX

XXXX

XXXX

Closed

2024-10-17 19:05

2024-10-18 11:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625414

Investor Post-Close

No

XXXX

20250906103

XXXX

XXXX

XXXX

Closed

2024-10-16 18:45

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2614710

Investor Post-Close

No

XXXX

20250906103

XXXX

XXXX

XXXX

Closed

2024-10-16 19:33

2024-10-27 22:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615533

Originator Post-Close

No

XXXX

20250906088

XXXX

XXXX

XXXX

Closed

2024-10-15 10:12

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596973

Investor Post-Close

No

XXXX

20250906088

XXXX

XXXX

XXXX

Closed

2024-10-15 11:16

2024-10-23 15:17

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided 1008.  Condition cleared.  - Due Diligence Vendor-10/23/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded final 1008"  - Seller-10/23/2024 Open-Missing Approval/Underwriting Summary 1008 is missing in file - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. "uploaded final 1008"  - Seller-10/23/2024

Resolved-Lender provided 1008.  Condition cleared.  - Due Diligence Vendor-10/23/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024

XXXXXXXXXX final 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2597340

N/A

N/A

XXXX

20250906088

XXXX

XXXX

XXXX

Closed

2024-10-21 19:27

2024-10-21 19:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650402

Investor Post-Close

No

XXXX

20250905857

XXXX

XXXX

XXXX

Closed

2024-10-15 09:40

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596844

Investor Post-Close

No

XXXX

20250905857

XXXX

XXXX

XXXX

Closed

2024-10-15 10:38

2024-10-29 16:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597113

Investor Post-Close

No

XXXX

20250905874

XXXX

XXXX

XXXX

Closed

2024-10-14 15:40

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2590485

Investor Post-Close

No

XXXX

20250905943

XXXX

XXXX

XXXX

Closed

2024-10-15 15:40

2024-11-06 15:18

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/06/2024 Resolved-Resolved - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 03/07/2024. - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/06/2024  Resolved-Resolved - Due Diligence Vendor-11/06/2024

tracking1.pdf tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600836

N/A

N/A

XXXX

20250905943

XXXX

XXXX

XXXX

Closed

2024-10-15 14:40

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599808

Investor Post-Close

No

XXXX

20250905943

XXXX

XXXX

XXXX

Closed

2024-10-15 15:10

2024-10-28 15:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600350

Investor Post-Close

No

XXXX

20250905589

XXXX

XXXX

XXXX

Closed

2024-10-17 22:07

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2627294

Investor Post-Close

No

XXXX

20250905589

XXXX

XXXX

XXXX

Closed

2024-10-18 12:16

2024-10-18 12:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629840

Investor Post-Close

No

XXXX

20250905935

XXXX

XXXX

XXXX

Closed

2024-10-16 08:33

2024-11-06 19:37

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-11/06/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/16/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607788

N/A

N/A

XXXX

20250905935

XXXX

XXXX

XXXX

Closed

2024-10-16 07:43

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

This finding is non-material and will be rated a B for all agencies.

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607682

Investor Post-Close

No

XXXX

20250905935

XXXX

XXXX

XXXX

Closed

2024-10-23 19:04

2024-10-30 15:48

Acknowledged

2 - Non-Material

Compliance

Right to Rescind

TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions)

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) Based on rulings in the First, Fourth, Sixth and Eleventh Circuit Courts, it is permissible to utilize Model Form H8/G5 on transactions that would otherwise require the use of Model Form H9/G6 (i.e., same lender refinance transactions) – subject property is located in the jurisdiction of the aforementioned Circuit Courts. No exception grade for circuits in which there is a favorable opinion. No Exception necessary. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2667968

Investor Post-Close

No

XXXX

20250905935

XXXX

XXXX

XXXX

Closed

2024-10-16 08:46

2024-10-25 16:55

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided a 1008.  Condition cleared. - Due Diligence Vendor-10/25/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. uploaded final 1008 - Seller-10/25/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded. uploaded final 1008 - Seller-10/25/2024

Resolved-Lender provided a 1008.  Condition cleared. - Due Diligence Vendor-10/25/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/25/2024

XXXXXXXXXX 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607805

N/A

N/A

XXXX

20250905935

XXXX

XXXX

XXXX

Closed

2024-10-16 08:29

2024-10-23 19:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607780

Investor Post-Close

No

XXXX

20250905813

XXXX

XXXX

XXXX

Closed

2024-10-15 17:53

2024-11-05 16:44

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated- - Due Diligence Vendor-10/30/2024 Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/16/2024

Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2602739

N/A

N/A

XXXX

20250905813

XXXX

XXXX

XXXX

Closed

2024-10-15 17:04

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601945

Investor Post-Close

No

XXXX

20250905813

XXXX

XXXX

XXXX

Closed

2024-10-15 17:48

2024-10-27 17:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2602643

Investor Post-Close

No

XXXX

20250905890

XXXX

XXXX

XXXX

Closed

2024-10-15 14:01

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599070

Investor Post-Close

No

XXXX

20250905890

XXXX

XXXX

XXXX

Closed

2024-10-15 15:18

2024-10-22 16:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2600494

Investor Post-Close

No

XXXX

20250905825

XXXX

XXXX

XXXX

Closed

2024-10-15 12:10

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597718

Investor Post-Close

No

XXXX

20250906196

XXXX

XXXX

XXXX

Closed

2024-10-26 11:02

2024-11-08 22:31

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/08/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/26/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/08/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688455

N/A

N/A

XXXX

20250906196

XXXX

XXXX

XXXX

Closed

2024-10-26 10:29

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688386

Investor Post-Close

No

XXXX

20250906196

XXXX

XXXX

XXXX

Closed

2024-10-26 11:22

2024-10-26 11:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688490

Investor Post-Close

No

XXXX

20250905642

XXXX

XXXX

XXXX

Closed

2024-10-18 19:09

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635221

Investor Post-Close

No

XXXX

20250905642

XXXX

XXXX

XXXX

Closed

2024-10-18 19:30

2024-10-18 19:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635523

Investor Post-Close

No

XXXX

20250905787

XXXX

XXXX

XXXX

Closed

2024-10-14 20:58

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2594779

Investor Post-Close

No

XXXX

20250905787

XXXX

XXXX

XXXX

Closed

2024-10-15 11:54

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597594

Investor Post-Close

No

XXXX

20250905826

XXXX

XXXX

XXXX

Closed

2024-10-15 15:18

2024-10-16 11:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2600495

Investor Post-Close

No

XXXX

20250905689

XXXX

XXXX

XXXX

Closed

2024-10-18 21:23

2024-11-19 13:38

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii))    - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2636845

N/A

N/A

XXXX

20250905689

XXXX

XXXX

XXXX

Closed

2024-10-18 21:23

2024-11-19 13:38

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024 Counter-Lender provided a Homeownership Counseling Disclosure dated XX/XX/XXXX which was in the loan file.  Lender indicated the application date is XX/XX/XXXX and provided the 1003 and Disclosure Tracker to show an application date of XX/XX/XXXX.   However, the Data Entry Proof and XXXXX XXXXXX reflected the application date of XX/XX/XXXX.  Provide a sufficient explanation as to why the Application date on Data Entry Proof Sheet and XXXXX XXXXXX was reflected as XX/XX/XXXX versus the earliest Application in file dated XX/XX/XXXX. Condition remains.    - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "The initial 1003 was signed by LO XX/XX/XXXX, the disclosure tracking shows the initial package sent XX/XX/XXXX. HO within 3 days. I do not see a loan application dated XX/XX/XXXX. "   - Seller-10/21/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)    - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/07/2024  Ready for Review-Document Uploaded. "The initial 1003 was signed by LO XX/XX/XXXX, the disclosure tracking shows the initial package sent XX/XX/XXXX. HO within 3 days. I do not see a loan application dated XX/XX/XXXX. "  - Seller-10/21/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX HO Disclosure.pdf XXXXXXXXXXHO Acknowledgement.pdf XXXXXXXXXX 1003.pdf Disclosure tracking Initial package.pdf XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2636844

N/A

N/A

XXXX

20250905689

XXXX

XXXX

XXXX

Closed

2024-10-18 21:23

2024-11-19 13:37

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded signed initial CD dated by borrowers XX/XX/XXXX, Final CD and Disclosure tracking. The XX/XX/XXXX CD would have been the CD Balancing package provided to the closing agent and not to the borrower.  - Seller-11/15/2024 Open- - Due Diligence Vendor-11/12/2024 Counter-Lender provided the XX/XX/XXXX CD that was eSigned.  The initial CD is dated XX/XX/XXXX.  Provide documentation to support acknowledgement of receipt for the XX/XX/XXXX initial CD.  Condition remains.   - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. Esigned CD uploaded  - Seller-11/11/2024 Counter-Lender provided the Disclosure Tracking Details for the initial CD. However, the said document does not reflect borrower(s) received method nor does it reflect the eDisclosure sent date, confirmation document viewed and evidence of acceptance for eConsent for the borrower(s). Unable to determine borrower(s) received date. Condition remains.  - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded.  Disclosure tracking reflecting XX/XX/XXXX sent date to support initial CD provided on XX/XX/XXXX.  - Seller-10/26/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii))  Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. uploaded signed initial CD dated by borrowers XX/XX/XXXX, Final CD and Disclosure tracking. The XX/XX/XXXX CD would have been the CD Balancing package provided to the closing agent and not to the borrower.  - Seller-11/15/2024  Ready for Review-Document Uploaded. Esigned CD uploaded  - Seller-11/11/2024  Ready for Review-Document Uploaded.  Disclosure tracking reflecting XX/XX/XXXX sent date to support initial CD provided on XX/XX/XXXX.  - Seller-10/26/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

Disclosure tracking.pdf package.pdf disclosure tracking.pdf Inital signed CD.pdf Final CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2636843

N/A

N/A

XXXX

20250905689

XXXX

XXXX

XXXX

Closed

2024-10-14 15:22

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EVB.  - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2590258

Investor Post-Close

No

XXXX

20250905689

XXXX

XXXX

XXXX

Closed

2024-10-15 12:19

2024-10-18 21:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597795

Investor Post-Close

No

XXXX

20250905872

XXXX

XXXX

XXXX

Closed

2024-10-15 19:16

2024-10-25 15:46

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/25/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2603979

N/A

N/A

XXXX

20250905872

XXXX

XXXX

XXXX

Closed

2024-10-15 19:29

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604141

Investor Post-Close

No

XXXX

20250905752

XXXX

XXXX

XXXX

Closed

2024-10-26 13:20

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688709

Investor Post-Close

No

XXXX

20250905752

XXXX

XXXX

XXXX

Closed

2024-10-26 14:09

2024-10-26 14:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688795

Investor Post-Close

No

XXXX

20250905716

XXXX

XXXX

XXXX

Closed

2024-10-15 16:08

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601243

Investor Post-Close

No

XXXX

20250905716

XXXX

XXXX

XXXX

Closed

2024-10-17 10:31

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618955

Investor Post-Close

No

XXXX

20250905678

XXXX

XXXX

XXXX

Closed

2024-10-14 10:47

2024-11-12 21:49

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/14/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2587950

N/A

N/A

XXXX

20250905678

XXXX

XXXX

XXXX

Closed

2024-10-13 11:17

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/13/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2586001

Investor Post-Close

No

XXXX

20250905678

XXXX

XXXX

XXXX

Closed

2024-10-15 18:18

2024-10-16 11:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603100

Investor Post-Close

No

XXXX

20250906072

XXXX

XXXX

XXXX

Closed

2024-10-28 11:02

2024-11-13 22:50

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-HOI Effective at time of close provided.  Coverage of $XXX,XXX.XX sufficient.  Condition resolved. - Due Diligence Vendor-11/13/2024 Ready for Review-Document Uploaded. uploaded hazard in effect at time of close - Seller-11/13/2024 Unable to Resolve-Unable to Resolve-Agree - Hazard insurance shortfall. Required coverage of $XXX,XXX.XX Vs available coverage of $XXX,XXX.XX which includes the additional rpc $ coverage.  - Seller-11/06/2024 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX.  Disbursement date of XX/XX/XXXX. - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. uploaded hazard in effect at time of close - Seller-11/13/2024  Unable to Resolve-Unable to Resolve-Agree - Hazard insurance shortfall. Required coverage of $XXX,XXX.XX Vs available coverage of $XXX,XXX which includes the additional rpc $ coverage.  - Seller-11/06/2024

Resolved-HOI Effective at time of close provided.  Coverage of $XXXXXX sufficient.  Condition resolved. - Due Diligence Vendor-11/13/2024

XXXXXXXXXX - XXX page 23-24.tiff

XX

Primary Residence

Refinance

Cash Out - Other

2692299

N/A

N/A

XXXX

20250906072

XXXX

XXXX

XXXX

Closed

2024-10-28 10:52

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692255

Investor Post-Close

No

XXXX

20250906072

XXXX

XXXX

XXXX

Closed

2024-10-28 10:58

2024-10-28 10:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692287

Investor Post-Close

No

XXXX

20250905611

XXXX

XXXX

XXXX

Closed

2024-10-17 11:31

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619241

Investor Post-Close

No

XXXX

20250905611

XXXX

XXXX

XXXX

Closed

2024-10-17 12:13

2024-10-17 17:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619605

Investor Post-Close

No

XXXX

20250906042

XXXX

XXXX

XXXX

Closed

2024-10-14 17:28

2024-10-31 16:45

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/31/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/31/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/14/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/31/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/31/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2592043

N/A

N/A

XXXX

20250906042

XXXX

XXXX

XXXX

Closed

2024-10-14 16:28

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2591084

Investor Post-Close

No

XXXX

20250906042

XXXX

XXXX

XXXX

Closed

2024-10-14 17:55

2024-10-25 17:59

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided 1008. Condition cleared.  - Due Diligence Vendor-10/25/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. uploaded final 1008 - Seller-10/24/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. uploaded final 1008 - Seller-10/24/2024

Resolved-Lender provided 1008. Condition cleared.  - Due Diligence Vendor-10/25/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/25/2024

XXXXXXXXXX final 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2592580

N/A

N/A

XXXX

20250906042

XXXX

XXXX

XXXX

Closed

2024-10-22 18:20

2024-10-22 18:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658582

Investor Post-Close

No

XXXX

20250905866

XXXX

XXXX

XXXX

Closed

2024-10-11 23:46

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/11/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2583433

Investor Post-Close

No

XXXX

20250905866

XXXX

XXXX

XXXX

Closed

2024-10-15 11:19

2024-10-15 17:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597372

Investor Post-Close

No

XXXX

20250905748

XXXX

XXXX

XXXX

Closed

2024-10-17 23:31

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2627732

Investor Post-Close

No

XXXX

20250905748

XXXX

XXXX

XXXX

Closed

2024-10-24 15:05

2024-10-24 15:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673370

Investor Post-Close

No

XXXX

20250905944

XXXX

XXXX

XXXX

Closed

2024-10-28 14:17

2024-11-07 17:23

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-11/01/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693855

N/A

N/A

XXXX

20250905944

XXXX

XXXX

XXXX

Closed

2024-10-28 14:28

2024-10-28 14:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2694100

Investor Post-Close

No

XXXX

20250905780

XXXX

XXXX

XXXX

Closed

2024-10-16 21:41

2024-11-05 13:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/05/2024 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/05/2024  Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2616887

Investor Post-Close

No

XXXX

20250905723

XXXX

XXXX

XXXX

Closed

2024-10-19 13:41

2024-11-07 17:38

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639107

Investor Post-Close

No

XXXX

20250905723

XXXX

XXXX

XXXX

Closed

2024-10-19 16:11

2024-10-19 16:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639537

Investor Post-Close

No

XXXX

20250905914

XXXX

XXXX

XXXX

Closed

2024-10-17 22:03

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2627266

Investor Post-Close

No

XXXX

20250905914

XXXX

XXXX

XXXX

Closed

2024-10-21 14:55

2024-10-21 14:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646822

Investor Post-Close

No

XXXX

20250905720

XXXX

XXXX

XXXX

Closed

2024-10-18 21:12

2024-11-15 17:07

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/15/2024 Ready for Review-The Initial CD was not issued until XX/XX/XXXX.  The Closing Docs in disclosure tracking that included CD were not sent to borrower, that is part of the CD Balancing package sent to title company and excluded from timeline .  - Seller-11/14/2024 Counter-Lender rebuttal was reviewed. A revised Loan Estimate (LE) dated XX/XX/XXXX was received electronically by the borrower on XX/XX/XXXX, which is the SAME day the initial Closing Disclosure dated XX/XX/XXXX was received. The revised LE delivery date is on the initial CD delivery date. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)). Condition remains.  - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after (XX/XX/XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) The Last Loan Estimate was provided on XX/XX/XXXX which is on or after XX/XX/XXXX, the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. - Due Diligence Vendor-10/18/2024

Ready for Review-The Initial CD was not issued until XX/XX/XXXX.  The Closing Docs in disclosure tracking that included CD were not sent to borrower, that is part of the CD Balancing package sent to title company and excluded from timeline .  - Seller-11/14/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636684

N/A

N/A

XXXX

20250905720

XXXX

XXXX

XXXX

Closed

2024-10-18 21:20

2024-10-18 21:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636800

Investor Post-Close

No

XXXX

20250905624

XXXX

XXXX

XXXX

Closed

2024-10-15 14:30

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599595

Investor Post-Close

No

XXXX

20250905624

XXXX

XXXX

XXXX

Closed

2024-10-15 12:09

2024-10-22 17:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597707

Investor Post-Close

No

XXXX

20250905888

XXXX

XXXX

XXXX

Closed

2024-10-26 16:53

2024-11-13 15:41

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/13/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/13/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/26/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/13/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/13/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689171

N/A

N/A

XXXX

20250905888

XXXX

XXXX

XXXX

Closed

2024-10-26 16:07

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689089

Investor Post-Close

No

XXXX

20250905888

XXXX

XXXX

XXXX

Closed

2024-10-26 17:20

2024-10-26 17:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689230

Investor Post-Close

No

XXXX

20250905631

XXXX

XXXX

XXXX

Closed

2024-10-15 18:55

2024-10-18 12:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2603684

Investor Post-Close

No

XXXX

20250905695

XXXX

XXXX

XXXX

Closed

2024-10-15 20:10

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604699

Investor Post-Close

No

XXXX

20250905695

XXXX

XXXX

XXXX

Closed

2024-10-15 20:49

2024-10-29 19:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2605290

Investor Post-Close

No

XXXX

20250905827

XXXX

XXXX

XXXX

Closed

2024-10-17 15:30

2024-10-25 16:51

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided a 1008.  Condition cleared.  - Due Diligence Vendor-10/25/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. Uploaded final 1009 - Seller-10/25/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. Uploaded final 1009 - Seller-10/25/2024

Resolved-Lender provided a 1008.  Condition cleared.  - Due Diligence Vendor-10/25/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/25/2024

XXXXXXXXXX 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2622333

N/A

N/A

XXXX

20250905827

XXXX

XXXX

XXXX

Closed

2024-10-17 15:32

2024-10-17 22:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2622365

Investor Post-Close

No

XXXX

20250905726

XXXX

XXXX

XXXX

Closed

2024-10-29 16:08

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2703847

Investor Post-Close

No

XXXX

20250905726

XXXX

XXXX

XXXX

Closed

2024-10-29 17:00

2024-10-29 17:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2704483

Investor Post-Close

No

XXXX

20250905664

XXXX

XXXX

XXXX

Closed

2024-10-16 12:26

2024-10-21 15:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608930

Investor Post-Close

No

XXXX

20250905583

XXXX

XXXX

XXXX

Closed

2024-10-17 11:39

2024-11-11 21:09

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/17/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619297

N/A

N/A

XXXX

20250905583

XXXX

XXXX

XXXX

Closed

2024-10-16 09:47

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EVB.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607948

Investor Post-Close

No

XXXX

20250905583

XXXX

XXXX

XXXX

Closed

2024-10-17 11:53

2024-10-18 12:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619415

Investor Post-Close

No

XXXX

20250906211

XXXX

XXXX

XXXX

Closed

2024-10-16 15:38

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2611611

Investor Post-Close

No

XXXX

20250906211

XXXX

XXXX

XXXX

Closed

2024-10-16 20:06

2024-10-22 11:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615916

Investor Post-Close

No

XXXX

20250906179

XXXX

XXXX

XXXX

Closed

2024-10-18 17:13

2024-11-05 13:15

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/22/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2633640

N/A

N/A

XXXX

20250906179

XXXX

XXXX

XXXX

Closed

2024-10-18 16:33

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633061

Investor Post-Close

No

XXXX

20250906179

XXXX

XXXX

XXXX

Closed

2024-10-18 17:18

2024-10-18 17:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633704

Investor Post-Close

No

XXXX

20250905794

XXXX

XXXX

XXXX

Closed

2024-10-14 15:47

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-This finding is non-material and will be rated an EV2. - Due Diligence Vendor-10/16/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2590561

Investor Post-Close

No

XXXX

20250905794

XXXX

XXXX

XXXX

Closed

2024-10-15 12:27

2024-10-15 17:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597888

Investor Post-Close

No

XXXX

20250906098

XXXX

XXXX

XXXX

Closed

2024-10-15 14:13

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies, - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599281

Investor Post-Close

No

XXXX

20250906098

XXXX

XXXX

XXXX

Closed

2024-10-15 14:21

2024-10-22 15:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599417

Investor Post-Close

No

XXXX

20250905617

XXXX

XXXX

XXXX

Closed

2024-10-30 07:55

2024-11-12 16:01

Resolved

1 - Information

Compliance

Rescission:Variance

Federal - Right of Rescission Variance Failure (TILA)

Resolved-Lender provided corrected NORTC and PCCD.  Condition cleared.   - Due Diligence Vendor-11/12/2024 Resolved-Resolved - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. From PC area - Disagree - This was corrected by Closing  and recission was reopened to give the full 3 days.  PCCD and revised NORTC was uploaded - Seller-11/11/2024 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. From PC area - Disagree - This was corrected by Closing  and recission was reopened to give the full 3 days.  PCCD and revised NORTC was uploaded - Seller-11/11/2024

Resolved-Lender provided corrected NORTC and PCCD.  Condition cleared.   - Due Diligence Vendor-11/12/2024  Resolved-Resolved - Due Diligence Vendor-11/12/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709310

N/A

N/A

XXXX

20250905617

XXXX

XXXX

XXXX

Closed

2024-10-30 07:55

2024-11-12 16:01

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Lender provided corrected NORTC and PCCD.  Condition cleared.   - Due Diligence Vendor-11/12/2024 Resolved-Resolved - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. From PC area - Disagree - This was corrected by Closing  and recission was reopened to give the full 3 days.  PCCD and revised NORTC was uploaded - Seller-11/11/2024 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. From PC area - Disagree - This was corrected by Closing  and recission was reopened to give the full 3 days.  PCCD and revised NORTC was uploaded - Seller-11/11/2024

Resolved-Lender provided corrected NORTC and PCCD.  Condition cleared.   - Due Diligence Vendor-11/12/2024  Resolved-Resolved - Due Diligence Vendor-11/12/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709309

N/A

N/A

XXXX

20250905617

XXXX

XXXX

XXXX

Closed

2024-10-30 07:07

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709154

Investor Post-Close

No

XXXX

20250905617

XXXX

XXXX

XXXX

Closed

2024-10-30 08:11

2024-10-30 08:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709369

Investor Post-Close

No

XXXX

20250906086

XXXX

XXXX

XXXX

Closed

2024-10-15 13:15

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2598411

Investor Post-Close

No

XXXX

20250906086

XXXX

XXXX

XXXX

Closed

2024-10-15 14:30

2024-10-22 13:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599590

Investor Post-Close

No

XXXX

20250905948

XXXX

XXXX

XXXX

Closed

2024-10-26 21:05

2024-10-26 21:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689530

Investor Post-Close

No

XXXX

20250905613

XXXX

XXXX

XXXX

Closed

2024-10-15 11:40

2024-11-15 18:54

Resolved

1 - Information

Compliance

Missing Doc

Loan Estimate disclosure is missing or incomplete

Resolved-LE dated XX/XX/XXXX provided.  Compliance testing re-run.  Finding resolved. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. uploaded LE - Seller-11/13/2024 Counter-Lender included a XXXXXX Report located on page 652, in the original loan file, that indicates a Loan Estimate dated XX/XX/XXXX was generated as the “last Loan Estimate”. Missing said LE. Condition remains.  - Due Diligence Vendor-10/22/2024 Ready for Review-Please advise as to what changed which would have required a revised LE dated XX/XX/XXXX.  - Seller-10/19/2024 Open-Loan Estimate disclosure is missing or incomplete Revised LE dated XX/XX/XXXX is missing in file. - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. uploaded LE - Seller-11/13/2024  Ready for Review-Please advise as to what changed which would have required a revised LE dated XX/XX/XXXX.  - Seller-10/19/2024

Resolved-LE dated XX/XX/XXXX provided.  Compliance testing re-run.  Finding resolved. - Due Diligence Vendor-11/15/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597510

N/A

N/A

XXXX

20250905613

XXXX

XXXX

XXXX

Closed

2024-10-14 11:40

2024-10-30 16:09

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2588117

Investor Post-Close

No

XXXX

20250905613

XXXX

XXXX

XXXX

Closed

2024-10-16 12:53

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609196

Investor Post-Close

No

XXXX

20250905581

XXXX

XXXX

XXXX

Closed

2024-10-15 20:19

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604810

Investor Post-Close

No

XXXX

20250905581

XXXX

XXXX

XXXX

Closed

2024-10-16 17:55

2024-10-18 12:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613962

Investor Post-Close

No

XXXX

20250905920

XXXX

XXXX

XXXX

Closed

2024-10-14 17:34

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2592138

Investor Post-Close

No

XXXX

20250905920

XXXX

XXXX

XXXX

Closed

2024-10-14 20:43

2024-10-23 15:24

Resolved

1 - Information

Credit

Missing Doc

Missing 1008 or Underwriter Approval

Resolved-Lender provided 1008.  Condition cleared.  - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded.  - Seller-10/23/2024 Ready for Review-Document Uploaded. Uploaded final 1008 - Seller-10/23/2024 Open-The final 1008 is missing from the loan file. - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded.  - Seller-10/23/2024  Ready for Review-Document Uploaded. Uploaded final 1008 - Seller-10/23/2024

Resolved-Lender provided 1008.  Condition cleared.  - Due Diligence Vendor-10/23/2024

XXXXXXXXXX final 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2594659

N/A

N/A

XXXX

20250905920

XXXX

XXXX

XXXX

Closed

2024-10-15 10:34

2024-10-18 12:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2597082

Investor Post-Close

No

XXXX

20250906147

XXXX

XXXX

XXXX

Closed

2024-10-16 20:58

2024-11-08 18:59

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided 1008.  Condition cleared.  - Due Diligence Vendor-11/08/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. Correct 1008 uploaded - Seller-11/07/2024 Counter-No document was uploaded.  Condition remains.  - Due Diligence Vendor-11/06/2024 Ready for Review-1008 - Seller-11/03/2024 Open-Missing Approval/Underwriting Summary 1008 or Lender approval is Missing in file. - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded. Correct 1008 uploaded - Seller-11/07/2024  Ready for Review-1008 - Seller-11/03/2024

Resolved-Lender provided 1008.  Condition cleared.  - Due Diligence Vendor-11/08/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/08/2024

1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2616480

N/A

N/A

XXXX

20250906147

XXXX

XXXX

XXXX

Closed

2024-10-16 20:14

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing. This finding is non-material and will be rated an EVB. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2616020

Investor Post-Close

No

XXXX

20250906147

XXXX

XXXX

XXXX

Closed

2024-10-16 20:59

2024-10-18 12:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2616497

Investor Post-Close

No

XXXX

20250906018

XXXX

XXXX

XXXX

Closed

2024-10-28 13:23

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693236

Investor Post-Close

No

XXXX

20250906018

XXXX

XXXX

XXXX

Closed

2024-10-28 13:44

2024-11-07 17:18

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2693467

N/A

N/A

XXXX

20250906018

XXXX

XXXX

XXXX

Closed

2024-10-28 13:41

2024-10-28 13:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693442

Investor Post-Close

No

XXXX

20250906148

XXXX

XXXX

XXXX

Closed

2024-10-15 20:07

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604667

Investor Post-Close

No

XXXX

20250906148

XXXX

XXXX

XXXX

Closed

2024-10-15 20:52

2024-10-28 10:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2605319

Investor Post-Close

No

XXXX

20250905648

XXXX

XXXX

XXXX

Closed

2024-10-14 14:04

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing RESPA: AFBA Disclosure is Missing - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2589259

Investor Post-Close

No

XXXX

20250905648

XXXX

XXXX

XXXX

Closed

2024-10-15 09:33

2024-10-15 17:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2596818

Investor Post-Close

No

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 13:58

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2599007

Investor Post-Close

No

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 14:32

2024-10-23 15:10

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-Lender provided flood certificate.  Condition cleared.  - Due Diligence Vendor-10/23/2024 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. uploaded LOL Flood cert - Seller-10/23/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Flood certificate is missing in file - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. uploaded LOL Flood cert - Seller-10/23/2024

Resolved-Lender provided flood certificate.  Condition cleared.  - Due Diligence Vendor-10/23/2024  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/23/2024

XXXXXXXXXX LOL Flood cert.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2599637

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-22 10:44

2024-10-23 15:08

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided income documentation for both borrowers.  Condition cleared.   - Due Diligence Vendor-10/23/2024 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. uploaded VOI for B1, paystubs B1/B2 and prior year W2 for B2 - Seller-10/23/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements   - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. uploaded VOI for B1, paystubs B1/B2 and prior year W2 for B2 - Seller-10/23/2024

Resolved-Lender provided income documentation for both borrowers.  Condition cleared.   - Due Diligence Vendor-10/23/2024  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/23/2024

VOI XXXXX with prior years income.pdf XXXX W2 XXXX.pdf paystubs B1 and B2.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2653243

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 14:44

2024-10-23 15:07

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Lender provided executed econsent.  Condition cleared.   - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. uploaded econsent - Seller-10/23/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-consent documentation is missing - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. uploaded econsent - Seller-10/23/2024

Resolved-Lender provided executed econsent.  Condition cleared.   - Due Diligence Vendor-10/23/2024

econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2599892

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 14:19

2024-10-23 15:05

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Lender provided title.  Condition cleared.  - Due Diligence Vendor-10/23/2024 Resolved-Title Document is not Missing - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. uploaded OE report and other docs. 2nd liens did not include a title policy only OE.  - Seller-10/23/2024 Open-Title Document is missing - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. uploaded OE report and other docs. 2nd liens did not include a title policy only OE.  - Seller-10/23/2024

Resolved-Lender provided title.  Condition cleared.  - Due Diligence Vendor-10/23/2024  Resolved-Title Document is not Missing - Due Diligence Vendor-10/23/2024

title docs.pdf OE.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2599358

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 14:27

2024-10-23 15:01

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Lender provided Flood Certificate.  Condition cleared. - Due Diligence Vendor-10/23/2024 Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. uploaded LOL Flood cert - Seller-10/23/2024 Open-Missing Flood Certificate - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. uploaded LOL Flood cert - Seller-10/23/2024

Resolved-Lender provided Flood Certificate.  Condition cleared. - Due Diligence Vendor-10/23/2024  Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/23/2024

XXXXXXXXXXX LOL Flood cert.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2599555

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 14:43

2024-10-23 14:52

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Lender provided 2023 W-2 for the co-borrower and a third-party verification of income and employment for the borrower which included YTD and prior two years of income.  Condition cleared.  - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. uploaded VOI for B1 and prior year W2 for B2  - Seller-10/23/2024 Open-Missing prior year W-2 for both borrowers. - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. uploaded VOI for B1 and prior year W2 for B2  - Seller-10/23/2024

Resolved-Lender provided XXXX W-2 for the co-borrower and a third-party verification of income and employment for the borrower which included YTD and prior two years of income.  Condition cleared.  - Due Diligence Vendor-10/23/2024

VOI XXXXXwith prior years income.pdf XXXX W2 XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2599866

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 13:09

2024-10-23 14:49

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Lender provided VVOE.  Condition cleared.  - Due Diligence Vendor-10/23/2024 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded VVOEs  B1  - Seller-10/23/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing B1 VOE is missing - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. "uploaded VVOEs  B1  - Seller-10/23/2024

Resolved-Lender provided VVOE.  Condition cleared.  - Due Diligence Vendor-10/23/2024  Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/23/2024

B1 VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2598313

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 13:09

2024-10-23 14:47

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided VVOE for both borrowers.  Condition cleared.   - Due Diligence Vendor-10/23/2024 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded VVOEs both borrowers"  - Seller-10/23/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements Income documents are missing in file - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. "uploaded VVOEs both borrowers"  - Seller-10/23/2024

Resolved-Lender provided VVOE for both borrowers.  Condition cleared.   - Due Diligence Vendor-10/23/2024  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/23/2024

B2 VVOE.pdf B1 VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2598322

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 13:09

2024-10-23 14:47

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Lender provided VVOE.  Condition cleared.  - Due Diligence Vendor-10/23/2024 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded VVOE B2  - Seller-10/23/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing B2 VOE is missing - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. "uploaded VVOE B2  - Seller-10/23/2024

Resolved-Lender provided VVOE.  Condition cleared.  - Due Diligence Vendor-10/23/2024  Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/23/2024

B2 VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2598316

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-15 14:39

2024-10-23 14:24

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided 1008.  Condition cleared. - Due Diligence Vendor-10/23/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. "uploaded final 1008"  - Seller-10/23/2024 Open-Missing Approval/Underwriting Summary 1008 is missing in file - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. "uploaded final 1008"  - Seller-10/23/2024

Resolved-Lender provided 1008.  Condition cleared. - Due Diligence Vendor-10/23/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2024

XXXXXXXXXX final 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2599796

N/A

N/A

XXXX

20250906092

XXXX

XXXX

XXXX

Closed

2024-10-21 21:15

2024-10-21 21:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2651437

Investor Post-Close

No

XXXX

20250906020

XXXX

XXXX

XXXX

Closed

2024-10-16 11:11

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608367

Investor Post-Close

No

XXXX

20250906020

XXXX

XXXX

XXXX

Closed

2024-10-16 11:32

2024-10-23 14:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608495

Investor Post-Close

No

XXXX

20250905692

XXXX

XXXX

XXXX

Closed

2024-10-21 16:48

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2648458

Investor Post-Close

No

XXXX

20250905692

XXXX

XXXX

XXXX

Closed

2024-10-21 18:11

2024-10-21 18:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649483

Investor Post-Close

No

XXXX

20250905956

XXXX

XXXX

XXXX

Closed

2024-10-30 12:38

2024-11-08 18:34

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of XXX Dues for Primary Residence

Resolved-The lender provided sufficient evidence to verify XXX fees. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. uploaded XXX - Seller-11/07/2024 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. uploaded XXX - Seller-11/07/2024

Resolved-The lender provided sufficient evidence to verify XXX fees. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/08/2024

XXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2710601

N/A

N/A

XXXX

20250905956

XXXX

XXXX

XXXX

Closed

2024-10-31 10:14

2024-11-08 18:34

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-The lender provided sufficient evidence to verify XXX fees. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/08/2024 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. uploaded XXX - Seller-11/07/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/31/2024

Ready for Review-Document Uploaded. uploaded XXX - Seller-11/07/2024

Resolved-The lender provided sufficient evidence to verify XXX fees. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/08/2024  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2024

XXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2719062

N/A

N/A

XXXX

20250905956

XXXX

XXXX

XXXX

Closed

2024-10-15 18:16

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2603066

Investor Post-Close

No

XXXX

20250905956

XXXX

XXXX

XXXX

Closed

2024-10-30 12:38

2024-10-30 12:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2710598

Investor Post-Close

No

XXXX

20250906084

XXXX

XXXX

XXXX

Closed

2024-10-29 11:13

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2700488

Investor Post-Close

No

XXXX

20250906084

XXXX

XXXX

XXXX

Closed

2024-10-29 16:34

2024-10-29 16:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2704142

Investor Post-Close

No

XXXX

20250905981

XXXX

XXXX

XXXX

Closed

2024-10-16 14:44

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610740

Investor Post-Close

No

XXXX

20250905981

XXXX

XXXX

XXXX

Closed

2024-10-16 15:01

2024-10-30 13:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610985

Investor Post-Close

No

XXXX

20250906205

XXXX

XXXX

XXXX

Closed

2024-10-26 13:37

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688737

Investor Post-Close

No

XXXX

20250906205

XXXX

XXXX

XXXX

Closed

2024-10-26 14:10

2024-10-26 14:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688798

Investor Post-Close

No

XXXX

20250905808

XXXX

XXXX

XXXX

Closed

2024-10-15 12:00

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2597644

Investor Post-Close

No

XXXX

20250905808

XXXX

XXXX

XXXX

Closed

2024-10-15 12:41

2024-10-16 12:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2598077

Investor Post-Close

No

XXXX

20250905573

XXXX

XXXX

XXXX

Closed

2024-10-29 19:12

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2706344

Investor Post-Close

No

XXXX

20250905573

XXXX

XXXX

XXXX

Closed

2024-10-29 19:51

2024-10-29 19:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2706889

Investor Post-Close

No

XXXX

20250905880

XXXX

XXXX

XXXX

Closed

2024-10-17 14:51

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing or Incomplete  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621454

Investor Post-Close

No

XXXX

20250905880

XXXX

XXXX

XXXX

Closed

2024-10-17 15:17

2024-10-30 13:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2622145

Investor Post-Close

No

XXXX

20250906091

XXXX

XXXX

XXXX

Closed

2024-10-17 22:16

2024-11-05 13:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/05/2024 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P value equals C, junior lien and no secondary product - Due Diligence Vendor-11/04/2024 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P value equals C, junior lien and no secondary product - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/05/2024  Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P value equals C, junior lien and no secondary product - Due Diligence Vendor-11/04/2024  Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P value equals C, junior lien and no secondary product - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2627351

Investor Post-Close

No

XXXX

20250906091

XXXX

XXXX

XXXX

Closed

2024-10-17 21:54

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2627190

Investor Post-Close

No

XXXX

20250905682

XXXX

XXXX

XXXX

Closed

2024-10-15 17:01

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2601900

Investor Post-Close

No

XXXX

20250905682

XXXX

XXXX

XXXX

Closed

2024-10-15 18:17

2024-10-21 23:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603083

Investor Post-Close

No

XXXX

20250905832

XXXX

XXXX

XXXX

Closed

2024-10-15 15:16

2024-11-12 21:46

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600446

N/A

N/A

XXXX

20250905832

XXXX

XXXX

XXXX

Closed

2024-10-14 19:26

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2593751

Investor Post-Close

No

XXXX

20250905832

XXXX

XXXX

XXXX

Closed

2024-10-15 16:00

2024-10-16 12:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601135

Investor Post-Close

No

XXXX

20250905575

XXXX

XXXX

XXXX

Closed

2024-10-18 17:33

2024-11-05 13:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/05/2024 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/05/2024  Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2633940

Investor Post-Close

No

XXXX

20250905575

XXXX

XXXX

XXXX

Closed

2024-10-18 17:35

2024-11-05 13:17

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection. - Due Diligence Vendor-10/18/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2633985

N/A

N/A

XXXX

20250905575

XXXX

XXXX

XXXX

Closed

2024-10-18 17:10

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2633618

Investor Post-Close

No

XXXX

20250905927

XXXX

XXXX

XXXX

Closed

2024-10-21 06:25

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643348

Investor Post-Close

No

XXXX

20250905927

XXXX

XXXX

XXXX

Closed

2024-10-21 07:08

2024-10-21 07:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643495

Investor Post-Close

No

XXXX

20250905841

XXXX

XXXX

XXXX

Closed

2024-10-15 14:22

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599432

Investor Post-Close

No

XXXX

20250905841

XXXX

XXXX

XXXX

Closed

2024-10-15 15:11

2024-10-16 12:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600360

Investor Post-Close

No

XXXX

20250905837

XXXX

XXXX

XXXX

Closed

2024-10-26 07:16

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688067

Investor Post-Close

No

XXXX

20250905837

XXXX

XXXX

XXXX

Closed

2024-10-26 07:49

2024-10-26 07:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688120

Investor Post-Close

No

XXXX

20250905853

XXXX

XXXX

XXXX

Closed

2024-10-14 14:48

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-This finding is non-material and will be rated an EVB.  - Due Diligence Vendor-10/16/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2589823

Investor Post-Close

No

XXXX

20250905853

XXXX

XXXX

XXXX

Closed

2024-10-15 16:14

2024-10-15 17:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2601321

Investor Post-Close

No

XXXX

20250905770

XXXX

XXXX

XXXX

Closed

2024-10-27 08:21

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-11/01/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690016

Investor Post-Close

No

XXXX

20250905770

XXXX

XXXX

XXXX

Closed

2024-10-27 09:44

2024-11-01 13:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690110

Investor Post-Close

No

XXXX

20250905968

XXXX

XXXX

XXXX

Closed

2024-10-27 18:09

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690847

Investor Post-Close

No

XXXX

20250905889

XXXX

XXXX

XXXX

Closed

2024-10-28 00:25

2024-11-11 15:14

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2691059

N/A

N/A

XXXX

20250905889

XXXX

XXXX

XXXX

Closed

2024-10-28 00:03

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691055

Investor Post-Close

No

XXXX

20250905889

XXXX

XXXX

XXXX

Closed

2024-10-28 00:43

2024-10-28 00:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691063

Investor Post-Close

No

XXXX

20250906146

XXXX

XXXX

XXXX

Closed

2024-10-22 00:04

2024-11-07 17:38

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2652022

Investor Post-Close

No

XXXX

20250906146

XXXX

XXXX

XXXX

Closed

2024-10-22 14:45

2024-10-22 14:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655439

Investor Post-Close

No

XXXX

20250906102

XXXX

XXXX

XXXX

Closed

2024-10-29 15:19

2024-11-07 18:07

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection. - Due Diligence Vendor-10/29/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2703156

N/A

N/A

XXXX

20250906102

XXXX

XXXX

XXXX

Closed

2024-10-29 14:42

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2702543

Investor Post-Close

No

XXXX

20250906102

XXXX

XXXX

XXXX

Closed

2024-10-29 15:32

2024-10-29 15:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2703380

Investor Post-Close

No

XXXX

20250906107

XXXX

XXXX

XXXX

Closed

2024-10-27 20:15

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690958

Investor Post-Close

No

XXXX

20250906107

XXXX

XXXX

XXXX

Closed

2024-10-27 20:56

2024-10-28 17:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690981

Investor Post-Close

No

XXXX

20250905905

XXXX

XXXX

XXXX

Closed

2024-10-22 22:40

2024-11-04 14:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024  Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2660761

Investor Post-Close

No

XXXX

20250905905

XXXX

XXXX

XXXX

Closed

2024-10-22 22:25

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2660717

Investor Post-Close

No

XXXX

20250905580

XXXX

XXXX

XXXX

Closed

2024-10-21 12:32

2024-11-07 17:38

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2645067

Investor Post-Close

No

XXXX

20250905580

XXXX

XXXX

XXXX

Closed

2024-10-21 14:36

2024-10-21 14:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646524

Investor Post-Close

No

XXXX

20250905848

XXXX

XXXX

XXXX

Closed

2024-10-28 07:48

2024-11-06 19:33

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open- - Due Diligence Vendor-10/31/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2691649

N/A

N/A

XXXX

20250905848

XXXX

XXXX

XXXX

Closed

2024-10-28 07:13

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691562

Investor Post-Close

No

XXXX

20250905848

XXXX

XXXX

XXXX

Closed

2024-10-28 08:00

2024-10-30 12:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691697

Investor Post-Close

No

XXXX

20250906059

XXXX

XXXX

XXXX

Closed

2024-10-22 18:06

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658395

Investor Post-Close

No

XXXX

20250906059

XXXX

XXXX

XXXX

Closed

2024-10-22 18:40

2024-10-22 18:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658817

Investor Post-Close

No

XXXX

20250906111

XXXX

XXXX

XXXX

Closed

2024-10-26 09:39

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688295

Investor Post-Close

No

XXXX

20250906111

XXXX

XXXX

XXXX

Closed

2024-10-26 10:11

2024-10-26 10:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688355

Investor Post-Close

No

XXXX

20250905867

XXXX

XXXX

XXXX

Closed

2024-10-27 12:14

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690325

Investor Post-Close

No

XXXX

20250905867

XXXX

XXXX

XXXX

Closed

2024-10-27 13:33

2024-10-27 13:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690440

Investor Post-Close

No

XXXX

20250905628

XXXX

XXXX

XXXX

Closed

2024-10-19 21:00

2024-11-25 21:19

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-Lender indicated the property type is SFR and condo is an error.  Condition cleared. - Due Diligence Vendor-11/25/2024 Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/25/2024 Ready for Review-Document Uploaded. uploaded pdf.  Land may be zoned for condominium however SFR's were built instead. Pictures support SFR. - Seller-11/22/2024 Counter-Lender provided a word document that we are not able to open.  Please upload document as a pdf.  Additionally, the Mortgage contains a Condo Rider.  Please explain why a condo rider is included if the subject is not a condo.  Condition remains.   - Due Diligence Vendor-11/20/2024 Ready for Review-Property is not a condo, uploaded zillow showing SFR - Seller-11/19/2024 Ready for Review-uploaded proof property is a SFR, not a condominium. - Seller-11/19/2024 Returned-Document Uploaded. uploaded MCOI - Seller-11/19/2024 Escalated-HO6 Master Insurance Policy is missing.  HO6 not required per Seller Guidelines but required for securitization purposes.  XX to review. - Due Diligence Vendor-11/06/2024 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. uploaded pdf.  Land may be zoned for condominium however SFR's were built instead. Pictures support SFR. - Seller-11/22/2024  Ready for Review-Property is not a condo, uploaded zillow showing SFR - Seller-11/19/2024  Ready for Review-uploaded proof property is a SFR, not a condominium. - Seller-11/19/2024

Resolved-Lender indicated the property type is SFR and condo is an error.  Condition cleared. - Due Diligence Vendor-11/25/2024  Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/25/2024

SFR.docx package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2640264

N/A

N/A

XXXX

20250905628

XXXX

XXXX

XXXX

Closed

2024-10-19 20:14

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640210

Investor Post-Close

No

XXXX

20250905628

XXXX

XXXX

XXXX

Closed

2024-10-19 16:39

2024-10-22 22:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639627

Investor Post-Close

No

XXXX

20250905933

XXXX

XXXX

XXXX

Closed

2024-10-22 18:24

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2658627

Investor Post-Close

No

XXXX

20250905933

XXXX

XXXX

XXXX

Closed

2024-10-22 19:20

2024-10-22 19:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2659245

Investor Post-Close

No

XXXX

20250905593

XXXX

XXXX

XXXX

Closed

2024-10-22 19:34

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2659407

Investor Post-Close

No

XXXX

20250905593

XXXX

XXXX

XXXX

Closed

2024-10-23 11:27

2024-10-23 11:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662576

Investor Post-Close

No

XXXX

20250906120

XXXX

XXXX

XXXX

Closed

2024-10-17 18:19

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624740

Investor Post-Close

No

XXXX

20250906120

XXXX

XXXX

XXXX

Closed

2024-10-17 18:48

2024-10-29 13:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product.  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625143

Investor Post-Close

No

XXXX

20250905861

XXXX

XXXX

XXXX

Closed

2024-10-16 19:57

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615823

Investor Post-Close

No

XXXX

20250905861

XXXX

XXXX

XXXX

Closed

2024-10-16 19:55

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615790

Investor Post-Close

No

XXXX

20250905895

XXXX

XXXX

XXXX

Closed

2024-10-26 11:34

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688517

Investor Post-Close

No

XXXX

20250905895

XXXX

XXXX

XXXX

Closed

2024-10-26 12:09

2024-10-26 12:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688580

Investor Post-Close

No

XXXX

20250905852

XXXX

XXXX

XXXX

Closed

2024-10-29 17:18

2024-11-20 15:18

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-Lender provided Master insurance policy.  Condition cleared.   - Due Diligence Vendor-11/20/2024 Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/20/2024 Ready for Review-Document Uploaded. uploaded MCOI - Seller-11/19/2024 Returned-Document Uploaded. uploaded MCOI - Seller-11/19/2024 Escalated-HO6 Master Insurance Policy is missing.  HO6 not required per Seller Guidelines but required for securitization purposes.  XX to review. - Due Diligence Vendor-11/06/2024 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-10/29/2024

Ready for Review-Document Uploaded. uploaded MCOI - Seller-11/19/2024

Resolved-Lender provided Master insurance policy.  Condition cleared.   - Due Diligence Vendor-11/20/2024  Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/20/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2704802

N/A

N/A

XXXX

20250905852

XXXX

XXXX

XXXX

Closed

2024-10-29 16:00

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2703741

Investor Post-Close

No

XXXX

20250905852

XXXX

XXXX

XXXX

Closed

2024-10-29 17:05

2024-10-29 17:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2704559

Investor Post-Close

No

XXXX

20250905623

XXXX

XXXX

XXXX

Closed

2024-10-28 13:41

2024-11-11 15:09

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-11/01/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2693443

N/A

N/A

XXXX

20250905623

XXXX

XXXX

XXXX

Closed

2024-10-28 13:07

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693106

Investor Post-Close

No

XXXX

20250905623

XXXX

XXXX

XXXX

Closed

2024-10-28 14:12

2024-11-04 14:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693796

Investor Post-Close

No

XXXX

20250906108

XXXX

XXXX

XXXX

Closed

2024-10-15 17:41

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602542

Investor Post-Close

No

XXXX

20250906108

XXXX

XXXX

XXXX

Closed

2024-10-15 18:09

2024-10-21 21:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602965

Investor Post-Close

No

XXXX

20250906105

XXXX

XXXX

XXXX

Closed

2024-10-22 09:45

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

This finding is non-material and will be rated a B for all agencies.

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653033

Investor Post-Close

No

XXXX

20250906105

XXXX

XXXX

XXXX

Closed

2024-10-22 10:01

2024-10-22 10:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653083

Investor Post-Close

No

XXXX

20250906035

XXXX

XXXX

XXXX

Closed

2024-10-27 15:48

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690624

Investor Post-Close

No

XXXX

20250906035

XXXX

XXXX

XXXX

Closed

2024-10-27 17:29

2024-10-27 17:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690818

Investor Post-Close

No

XXXX

20250905980

XXXX

XXXX

XXXX

Closed

2024-10-24 14:06

2024-10-24 14:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672728

Investor Post-Close

No

XXXX

20250905903

XXXX

XXXX

XXXX

Closed

2024-10-28 13:06

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693101

Investor Post-Close

No

XXXX

20250905903

XXXX

XXXX

XXXX

Closed

2024-10-28 14:18

2024-10-28 14:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693862

Investor Post-Close

No

XXXX

20250905986

XXXX

XXXX

XXXX

Closed

2024-10-26 23:45

2024-11-08 22:37

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/08/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/31/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/08/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689571

N/A

N/A

XXXX

20250905986

XXXX

XXXX

XXXX

Closed

2024-10-26 23:14

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689565

Investor Post-Close

No

XXXX

20250905986

XXXX

XXXX

XXXX

Closed

2024-10-27 00:55

2024-10-27 00:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689585

Investor Post-Close

No

XXXX

20250906207

XXXX

XXXX

XXXX

Closed

2024-10-28 10:11

2024-11-06 15:32

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/06/2024 Resolved-Resolved - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Uploaded disclosure tracking - Seller-11/02/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of (XX/XX/XXXX). - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. Uploaded disclosure tracking - Seller-11/02/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/06/2024  Resolved-Resolved - Due Diligence Vendor-11/06/2024

tracking1.pdf tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2692072

N/A

N/A

XXXX

20250906207

XXXX

XXXX

XXXX

Closed

2024-10-28 10:40

2024-10-28 10:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692188

Investor Post-Close

No

XXXX

20250905594

XXXX

XXXX

XXXX

Closed

2024-10-15 17:02

2024-11-05 13:50

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/05/2024 Resolved-Lender provided the Underwriting and Transmittal Summary (1008). Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024 Ready for Review-Document Uploaded. Final 1008 uploaded. - Seller-10/18/2024 Open- - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Uploaded Final 1008  - Seller-10/16/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. Final 1008 uploaded. - Seller-10/18/2024  Ready for Review-Document Uploaded. Uploaded Final 1008  - Seller-10/16/2024

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/05/2024  Resolved-Lender provided the Underwriting and Transmittal Summary (1008). Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-10/19/2024

XXXXXXXXXX Final 1008.pdf XXXXXXXXXX Final 1008.pdf XXXXXXXXXX Final 1008.pdf XXXXXXXXXX Final 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601907

N/A

N/A

XXXX

20250905594

XXXX

XXXX

XXXX

Closed

2024-10-15 15:22

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600588

Investor Post-Close

No

XXXX

20250905594

XXXX

XXXX

XXXX

Closed

2024-10-15 17:02

2024-10-16 12:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601917

Investor Post-Close

No

XXXX

20250905636

XXXX

XXXX

XXXX

Closed

2024-10-15 15:36

2024-11-06 19:29

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/15/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600785

N/A

N/A

XXXX

20250905636

XXXX

XXXX

XXXX

Closed

2024-10-15 15:08

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2600318

Investor Post-Close

No

XXXX

20250905636

XXXX

XXXX

XXXX

Closed

2024-10-15 16:05

2024-10-18 12:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601209

Investor Post-Close

No

XXXX

20250905676

XXXX

XXXX

XXXX

Closed

2024-10-15 19:12

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603921

Investor Post-Close

No

XXXX

20250905676

XXXX

XXXX

XXXX

Closed

2024-10-15 20:02

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604620

Investor Post-Close

No

XXXX

20250905855

XXXX

XXXX

XXXX

Closed

2024-10-15 19:12

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2603913

Investor Post-Close

No

XXXX

20250905855

XXXX

XXXX

XXXX

Closed

2024-10-16 07:30

2024-10-23 23:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607659

Investor Post-Close

No

XXXX

20250906063

XXXX

XXXX

XXXX

Closed

2024-10-15 18:09

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2602953

Investor Post-Close

No

XXXX

20250906063

XXXX

XXXX

XXXX

Closed

2024-10-15 18:49

2024-10-30 17:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2603586

Investor Post-Close

No

XXXX

20250906114

XXXX

XXXX

XXXX

Closed

2024-10-16 18:23

2024-12-18 18:02

Resolved

1 - Information

Credit

Eligibility

Transaction Ineligible

Resolved-Evidence First Lien on the Subject property is a Closed End Mortgage provided.  Condition resolved. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/18/2024 Ready for Review-Document Uploaded. uploaded 1st mortgage account history. - Seller-12/18/2024 Counter-Lender provided the first lien mortgage.  There is no evidence provided in the loan file that the borrower had a closed end mortgage loan currently within XXXXXXXX XXXX XXXXXXXXX portfolio.  Please provide the snapshot for the first lien.  The snapshot provided is not for the subject loan.  Condition remains.   - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. uploaded copy of first mortgage/FHA loan - Seller-11/07/2024 Counter-Lender provided the loan servicing portfolio snapshot for a different borrower and property address. Documentation submitted is deemed unacceptable. Condition remains.  - Due Diligence Vendor-10/23/2024 Ready for Review-Document Uploaded. Uploaded 1st mortgage snapshot see top right hand side for XXXXXXXX - Seller-10/21/2024 Open-There is no evidence provided in the loan file that the borrower had a closed end mortgage loan currently within XXXXXXXX XXXX XXXXXXXXXX portfolio. - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded.  - Seller-12/18/2024  Ready for Review-Document Uploaded. uploaded 1st mortgage account history. - Seller-12/18/2024  Ready for Review-Document Uploaded. uploaded copy of first mortgage/FHA loan - Seller-11/07/2024  Ready for Review-Document Uploaded. Uploaded 1st mortgage snapshot see top right hand side for XXXXXXXX - Seller-10/21/2024

Resolved-Evidence First Lien on the Subject property is a Closed End Mortgage provided.  Condition resolved. - Due Diligence Vendor-12/18/2024

XXXXXXXXXX 1st mortgage snapshot.pdf copy of FHA 1st Mtg.pdf package.pdf 1st mortgage snapshot.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2614361

N/A

N/A

XXXX

20250906114

XXXX

XXXX

XXXX

Closed

2024-10-15 19:17

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603994

Investor Post-Close

No

XXXX

20250906114

XXXX

XXXX

XXXX

Closed

2024-10-16 10:58

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608278

Investor Post-Close

No

XXXX

20250905928

XXXX

XXXX

XXXX

Closed

2024-10-28 07:16

2024-10-28 07:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691570

Investor Post-Close

No

XXXX

20250905717

XXXX

XXXX

XXXX

Closed

2024-10-29 12:13

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2700871

Investor Post-Close

No

XXXX

20250905717

XXXX

XXXX

XXXX

Closed

2024-10-29 12:50

2024-10-29 12:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2701152

Investor Post-Close

No

XXXX

20250905660

XXXX

XXXX

XXXX

Closed

2024-10-22 14:22

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655078

Investor Post-Close

No

XXXX

20250905660

XXXX

XXXX

XXXX

Closed

2024-10-22 14:41

2024-10-22 14:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655377

Investor Post-Close

No

XXXX

20250906202

XXXX

XXXX

XXXX

Closed

2024-10-20 14:50

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641971

Investor Post-Close

No

XXXX

20250906202

XXXX

XXXX

XXXX

Closed

2024-10-20 15:32

2024-10-20 15:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642050

Investor Post-Close

No

XXXX

20250905869

XXXX

XXXX

XXXX

Closed

2024-10-29 13:29

2024-11-06 20:00

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open- - Due Diligence Vendor-10/31/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/29/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2701607

N/A

N/A

XXXX

20250905869

XXXX

XXXX

XXXX

Closed

2024-10-29 13:02

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2701275

Investor Post-Close

No

XXXX

20250905869

XXXX

XXXX

XXXX

Closed

2024-10-29 13:26

2024-10-29 13:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2701575

Investor Post-Close

No

XXXX

20250906123

XXXX

XXXX

XXXX

Closed

2024-10-21 19:30

2024-11-07 17:38

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650440

Investor Post-Close

No

XXXX

20250906123

XXXX

XXXX

XXXX

Closed

2024-10-21 20:30

2024-10-31 16:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2651092

Investor Post-Close

No

XXXX

20250905953

XXXX

XXXX

XXXX

Closed

2024-10-16 17:33

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613669

Investor Post-Close

No

XXXX

20250905953

XXXX

XXXX

XXXX

Closed

2024-10-16 17:42

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613793

Investor Post-Close

No

XXXX

20250905691

XXXX

XXXX

XXXX

Closed

2024-10-31 10:20

2025-01-14 19:40

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-01/14/2025 Resolved-Underlying DTI condition waived.  This condition is resolved. - Due Diligence Vendor-11/27/2024 Unable to Resolve-Unable to Resolve-Unable to Resolve-We are unable to determine what the "Other fee" is for on this loan. Please escalate to XX for consideration. - Seller-11/15/2024 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-10/31/2024

Unable to Resolve-Unable to Resolve-Unable to Resolve-We are unable to determine what the "Other fee" is for on this loan. Please escalate to XX for consideration. - Seller-11/15/2024

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-01/14/2025  Resolved-Underlying DTI condition waived.  This condition is resolved. - Due Diligence Vendor-11/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2719081

N/A

N/A

XXXX

20250905691

XXXX

XXXX

XXXX

Closed

2024-10-30 17:37

2024-11-27 19:40

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Investor Waived.  Comp factors provided. - Due Diligence Vendor-11/27/2024 Unable to Resolve-Unable to Resolve-We are unable to determine what the "Other fee" is for on this loan. Please escalate to XX for consideration. - Seller-11/14/2024 Open-Audited DTI of 50.43% exceeds Guideline DTI of 49.99% Lender used lower monthly homeowner's insurance payment and property tax payment.  Audit included the Other payment of $XXX.XX listed on the 1008. It is unknown what this payment is for. Please provide supporting documentation of the Other payment on the 1008. Including the other payment, the DTI is 50.43%, which exceeds the maximum 49.99%. - Due Diligence Vendor-10/30/2024

Unable to Resolve-Unable to Resolve-We are unable to determine what the "Other fee" is for on this loan. Please escalate to XX for consideration. - Seller-11/14/2024

Waived-Investor Waived.  Comp factors provided. - Due Diligence Vendor-11/27/2024

FICO 748;  Residual income $XXXX;  Borrowers primary residence and CLTV below 80%

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2714700

Investor Post-Close

No

XXXX

20250905691

XXXX

XXXX

XXXX

Closed

2024-11-15 16:40

2024-11-15 16:48

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/15/2024 Rescinded-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii))   - Due Diligence Vendor-11/15/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/15/2024  Rescinded-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii))   - Due Diligence Vendor-11/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2820419

N/A

N/A

XXXX

20250905691

XXXX

XXXX

XXXX

Closed

2024-10-22 17:23

2024-11-15 16:40

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/15/2024  Ready for Review-Document Uploaded. Initial Esigned CD uploaded - Seller-11/14/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. Initial Esigned CD uploaded - Seller-11/14/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/15/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2657862

N/A

N/A

XXXX

20250905691

XXXX

XXXX

XXXX

Closed

2024-10-22 15:36

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2656560

Investor Post-Close

No

XXXX

20250905691

XXXX

XXXX

XXXX

Closed

2024-10-22 17:38

2024-10-30 17:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2658067

Investor Post-Close

No

XXXX

20250906160

XXXX

XXXX

XXXX

Closed

2024-10-15 18:13

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2603002

Investor Post-Close

No

XXXX

20250906160

XXXX

XXXX

XXXX

Closed

2024-10-23 17:18

2024-10-23 17:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2666662

Investor Post-Close

No

XXXX

20250906128

XXXX

XXXX

XXXX

Closed

2024-10-15 18:22

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603165

Investor Post-Close

No

XXXX

20250906128

XXXX

XXXX

XXXX

Closed

2024-10-15 18:54

2024-10-17 11:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603682

Investor Post-Close

No

XXXX

20250906078

XXXX

XXXX

XXXX

Closed

2024-10-16 16:28

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612666

Investor Post-Close

No

XXXX

20250906078

XXXX

XXXX

XXXX

Closed

2024-10-16 17:17

2024-10-23 13:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613383

Investor Post-Close

No

XXXX

20250906159

XXXX

XXXX

XXXX

Closed

2024-10-26 19:03

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689367

Investor Post-Close

No

XXXX

20250906159

XXXX

XXXX

XXXX

Closed

2024-10-26 19:58

2024-10-26 19:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689436

Investor Post-Close

No

XXXX

20250905902

XXXX

XXXX

XXXX

Closed

2024-10-22 08:21

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2652857

Investor Post-Close

No

XXXX

20250905902

XXXX

XXXX

XXXX

Closed

2024-10-22 08:53

2024-10-22 16:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2652925

Investor Post-Close

No

XXXX

20250905753

XXXX

XXXX

XXXX

Closed

2024-10-16 11:52

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608658

Investor Post-Close

No

XXXX

20250905671

XXXX

XXXX

XXXX

Closed

2024-10-28 15:08

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2694575

Investor Post-Close

No

XXXX

20250905671

XXXX

XXXX

XXXX

Closed

2024-10-28 15:50

2024-10-28 15:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2695166

Investor Post-Close

No

XXXX

20250905917

XXXX

XXXX

XXXX

Closed

2024-10-26 14:47

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688882

Investor Post-Close

No

XXXX

20250905917

XXXX

XXXX

XXXX

Closed

2024-10-26 15:23

2024-10-26 15:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688965

Investor Post-Close

No

XXXX

20250905740

XXXX

XXXX

XXXX

Closed

2024-10-26 22:35

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689559

Investor Post-Close

No

XXXX

20250905740

XXXX

XXXX

XXXX

Closed

2024-10-26 23:39

2024-10-26 23:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689570

Investor Post-Close

No

XXXX

20250906176

XXXX

XXXX

XXXX

Closed

2024-10-29 12:52

2024-11-07 12:32

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/07/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/07/2024 Ready for Review-Document Uploaded. uploaded 1008 - Seller-11/06/2024 Open-Missing Approval/Underwriting Summary 1008 Missing In file. - Due Diligence Vendor-10/29/2024

Ready for Review-Document Uploaded. uploaded 1008 - Seller-11/06/2024

Resolved-Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/07/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/07/2024

1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2701180

N/A

N/A

XXXX

20250906176

XXXX

XXXX

XXXX

Closed

2024-10-29 12:53

2024-10-29 12:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2701189

Investor Post-Close

No

XXXX

20250905930

XXXX

XXXX

XXXX

Closed

2024-10-17 12:17

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619635

Investor Post-Close

No

XXXX

20250905930

XXXX

XXXX

XXXX

Closed

2024-10-17 14:01

2024-10-18 11:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2620836

Investor Post-Close

No

XXXX

20250905754

XXXX

XXXX

XXXX

Closed

2024-10-27 14:30

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690531

Investor Post-Close

No

XXXX

20250905754

XXXX

XXXX

XXXX

Closed

2024-10-27 15:08

2024-10-28 19:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690579

Investor Post-Close

No

XXXX

20250906138

XXXX

XXXX

XXXX

Closed

2024-10-16 12:47

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609131

Investor Post-Close

No

XXXX

20250906138

XXXX

XXXX

XXXX

Closed

2024-10-16 14:51

2024-10-24 18:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610813

Investor Post-Close

No

XXXX

20250906106

XXXX

XXXX

XXXX

Closed

2024-10-16 22:19

2024-10-23 20:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2617134

Investor Post-Close

No

XXXX

20250906082

XXXX

XXXX

XXXX

Closed

2024-10-16 14:41

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610700

Investor Post-Close

No

XXXX

20250906082

XXXX

XXXX

XXXX

Closed

2024-10-16 15:06

2024-10-21 18:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611083

Investor Post-Close

No

XXXX

20250905634

XXXX

XXXX

XXXX

Closed

2024-10-16 19:11

2024-11-05 16:51

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/16/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2615208

N/A

N/A

XXXX

20250905634

XXXX

XXXX

XXXX

Closed

2024-10-16 18:41

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2614649

Investor Post-Close

No

XXXX

20250905634

XXXX

XXXX

XXXX

Closed

2024-10-24 20:22

2024-10-24 20:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2677054

Investor Post-Close

No

XXXX

20250905722

XXXX

XXXX

XXXX

Closed

2024-10-16 19:22

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615385

Investor Post-Close

No

XXXX

20250905722

XXXX

XXXX

XXXX

Closed

2024-10-16 19:56

2024-10-24 21:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615800

Investor Post-Close

No

XXXX

20250906083

XXXX

XXXX

XXXX

Closed

2024-10-27 02:16

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689620

Investor Post-Close

No

XXXX

20250905990

XXXX

XXXX

XXXX

Closed

2024-10-15 19:11

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2603909

Investor Post-Close

No

XXXX

20250905990

XXXX

XXXX

XXXX

Closed

2024-10-15 20:19

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2604804

Investor Post-Close

No

XXXX

20250906175

XXXX

XXXX

XXXX

Closed

2024-10-26 09:59

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688328

Investor Post-Close

No

XXXX

20250906175

XXXX

XXXX

XXXX

Closed

2024-10-26 10:51

2024-10-26 10:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688422

Investor Post-Close

No

XXXX

20250905656

XXXX

XXXX

XXXX

Closed

2024-10-24 18:07

2024-11-18 18:57

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)   - Due Diligence Vendor-10/24/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675585

N/A

N/A

XXXX

20250905656

XXXX

XXXX

XXXX

Closed

2024-10-24 18:07

2024-11-18 18:57

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Counter-Lender provided the disclosure tracking summary which reflects the Application date of XX/XX/XXXX. However, the ATR Worksheet, Data Entry Proof and XXXXX XXXXXX reflected the application date of XX/XX/XXXX.  Provide a sufficient explanation as to why the Application date on Data Entry Proof Sheet, ATR Worksheet and XXXXX XXXXXX was reflected as XX/XX/XXXX versus the earliest Application in file dated XX/XX/XXXX. Condition remains.    - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Uploaded disclosure tracking  - Seller-11/02/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii))  The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/24/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024  Ready for Review-Document Uploaded. Uploaded disclosure tracking  - Seller-11/02/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

tracking.pdf tracking1.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2675586

N/A

N/A

XXXX

20250905656

XXXX

XXXX

XXXX

Closed

2024-10-16 14:00

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610064

Investor Post-Close

No

XXXX

20250905656

XXXX

XXXX

XXXX

Closed

2024-10-16 13:58

2024-10-24 18:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610036

Investor Post-Close

No

XXXX

20250906144

XXXX

XXXX

XXXX

Closed

2024-10-16 13:03

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609294

Investor Post-Close

No

XXXX

20250906144

XXXX

XXXX

XXXX

Closed

2024-10-16 13:13

2024-10-23 15:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609384

Investor Post-Close

No

XXXX

20250906167

XXXX

XXXX

XXXX

Closed

2024-11-04 16:58

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2737358

Investor Post-Close

No

XXXX

20250906167

XXXX

XXXX

XXXX

Closed

2024-10-30 15:42

2024-10-30 15:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2713196

Investor Post-Close

No

XXXX

20250905577

XXXX

XXXX

XXXX

Closed

2024-10-18 09:00

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2628868

Investor Post-Close

No

XXXX

20250905577

XXXX

XXXX

XXXX

Closed

2024-10-18 09:01

2024-10-18 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2628870

Investor Post-Close

No

XXXX

20250905894

XXXX

XXXX

XXXX

Closed

2024-10-29 16:16

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2703966

Investor Post-Close

No

XXXX

20250905894

XXXX

XXXX

XXXX

Closed

2024-10-29 16:54

2024-10-29 16:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2704413

Investor Post-Close

No

XXXX

20250905952

XXXX

XXXX

XXXX

Closed

2024-10-28 12:50

2024-11-07 18:13

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection.  - Due Diligence Vendor-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692950

N/A

N/A

XXXX

20250905952

XXXX

XXXX

XXXX

Closed

2024-10-28 12:22

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692753

Investor Post-Close

No

XXXX

20250905952

XXXX

XXXX

XXXX

Closed

2024-10-28 13:09

2024-10-28 13:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693122

Investor Post-Close

No

XXXX

20250906151

XXXX

XXXX

XXXX

Closed

2024-10-16 17:04

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613178

Investor Post-Close

No

XXXX

20250906151

XXXX

XXXX

XXXX

Closed

2024-10-16 17:29

2024-10-20 17:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613627

Investor Post-Close

No

XXXX

20250906145

XXXX

XXXX

XXXX

Closed

2024-10-16 07:29

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2607657

Investor Post-Close

No

XXXX

20250906145

XXXX

XXXX

XXXX

Closed

2024-10-16 08:04

2024-10-24 19:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2607715

Investor Post-Close

No

XXXX

20250905604

XXXX

XXXX

XXXX

Closed

2024-10-15 21:27

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2606050

Investor Post-Close

No

XXXX

20250905604

XXXX

XXXX

XXXX

Closed

2024-10-15 22:08

2024-10-23 12:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2606374

Investor Post-Close

No

XXXX

20250905686

XXXX

XXXX

XXXX

Closed

2024-10-16 12:50

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609159

Investor Post-Close

No

XXXX

20250905686

XXXX

XXXX

XXXX

Closed

2024-10-16 14:18

2024-10-18 19:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610358

Investor Post-Close

No

XXXX

20250905998

XXXX

XXXX

XXXX

Closed

2024-10-22 13:12

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2654298

Investor Post-Close

No

XXXX

20250905998

XXXX

XXXX

XXXX

Closed

2024-10-22 14:41

2024-10-24 00:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655384

Investor Post-Close

No

XXXX

20250906200

XXXX

XXXX

XXXX

Closed

2024-10-16 13:18

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609451

Investor Post-Close

No

XXXX

20250906200

XXXX

XXXX

XXXX

Closed

2024-10-16 14:36

2024-10-18 12:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610609

Investor Post-Close

No

XXXX

20250905663

XXXX

XXXX

XXXX

Closed

2024-10-22 13:24

2024-11-07 17:38

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2654415

Investor Post-Close

No

XXXX

20250905663

XXXX

XXXX

XXXX

Closed

2024-10-31 12:05

2024-10-31 12:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

XX

Primary Residence

Refinance

Cash Out - Other

2719671

Investor Post-Close

No

XXXX

20250905863

XXXX

XXXX

XXXX

Closed

2024-10-17 18:04

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624542

Investor Post-Close

No

XXXX

20250905863

XXXX

XXXX

XXXX

Closed

2024-10-17 18:38

2024-10-18 12:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. his finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. his finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625005

N/A

N/A

XXXX

20250905922

XXXX

XXXX

XXXX

Closed

2024-10-26 20:26

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689482

Investor Post-Close

No

XXXX

20250905922

XXXX

XXXX

XXXX

Closed

2024-10-26 21:44

2024-10-26 21:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689550

Investor Post-Close

No

XXXX

20250905681

XXXX

XXXX

XXXX

Closed

2024-10-30 17:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2714620

Investor Post-Close

No

XXXX

20250905681

XXXX

XXXX

XXXX

Closed

2024-10-30 18:20

2024-10-30 18:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2715338

Investor Post-Close

No

XXXX

20250905926

XXXX

XXXX

XXXX

Closed

2024-10-29 19:06

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2706251

Investor Post-Close

No

XXXX

20250905926

XXXX

XXXX

XXXX

Closed

2024-10-29 19:50

2024-10-29 19:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2706880

Investor Post-Close

No

XXXX

20250906032

XXXX

XXXX

XXXX

Closed

2024-10-25 15:53

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683351

Investor Post-Close

No

XXXX

20250906032

XXXX

XXXX

XXXX

Closed

2024-10-18 12:04

2024-10-18 12:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629742

Investor Post-Close

No

XXXX

20250906197

XXXX

XXXX

XXXX

Closed

2024-10-16 13:07

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609320

Investor Post-Close

No

XXXX

20250906197

XXXX

XXXX

XXXX

Closed

2024-10-16 14:23

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2610438

Investor Post-Close

No

XXXX

20250905610

XXXX

XXXX

XXXX

Closed

2024-10-17 17:21

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623963

Investor Post-Close

No

XXXX

20250905610

XXXX

XXXX

XXXX

Closed

2024-10-17 18:12

2024-10-17 22:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624647

Investor Post-Close

No

XXXX

20250905947

XXXX

XXXX

XXXX

Closed

2024-10-17 10:51

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619025

Investor Post-Close

No

XXXX

20250905947

XXXX

XXXX

XXXX

Closed

2024-10-17 11:18

2024-10-18 11:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619169

Investor Post-Close

No

XXXX

20250905786

XXXX

XXXX

XXXX

Closed

2024-10-16 14:36

2024-11-06 20:07

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Please move to escalated since XX is ordering. - Seller-10/30/2024 Open-Subject property is in recent disaster area and there is no post incident inspection Moved to DD Queue - Due Diligence Vendor-10/16/2024

Ready for Review-Please move to escalated since XX is ordering. - Seller-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2610617

N/A

N/A

XXXX

20250905786

XXXX

XXXX

XXXX

Closed

2024-10-16 13:56

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610013

Investor Post-Close

No

XXXX

20250905786

XXXX

XXXX

XXXX

Closed

2024-10-16 14:30

2024-10-25 16:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610547

Investor Post-Close

No

XXXX

20250906002

XXXX

XXXX

XXXX

Closed

2024-10-29 16:44

2024-11-07 18:18

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open-Subject property is in recent disaster area and there is no post incident inspection . - Due Diligence Vendor-10/29/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2704274

N/A

N/A

XXXX

20250906002

XXXX

XXXX

XXXX

Closed

2024-10-29 16:28

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2704075

Investor Post-Close

No

XXXX

20250906002

XXXX

XXXX

XXXX

Closed

2024-10-29 17:00

2024-10-29 17:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2704482

Investor Post-Close

No

XXXX

20250905909

XXXX

XXXX

XXXX

Closed

2024-10-16 13:52

2024-11-06 19:46

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection. - Due Diligence Vendor-10/16/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609943

N/A

N/A

XXXX

20250905909

XXXX

XXXX

XXXX

Closed

2024-10-16 12:18

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608867

Investor Post-Close

No

XXXX

20250905909

XXXX

XXXX

XXXX

Closed

2024-10-16 13:49

2024-10-23 19:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609890

Investor Post-Close

No

XXXX

20250905997

XXXX

XXXX

XXXX

Closed

2024-10-16 12:09

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608791

Investor Post-Close

No

XXXX

20250905997

XXXX

XXXX

XXXX

Closed

2024-10-16 12:52

2024-10-20 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2609172

Investor Post-Close

No

XXXX

20250905899

XXXX

XXXX

XXXX

Closed

2024-10-30 18:44

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2715663

Investor Post-Close

No

XXXX

20250905899

XXXX

XXXX

XXXX

Closed

2024-10-30 19:20

2024-10-30 19:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2716128

Investor Post-Close

No

XXXX

20250905600

XXXX

XXXX

XXXX

Closed

2024-10-16 15:01

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2610989

Investor Post-Close

No

XXXX

20250905600

XXXX

XXXX

XXXX

Closed

2024-10-18 12:15

2024-10-18 12:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629822

Investor Post-Close

No

XXXX

20250905824

XXXX

XXXX

XXXX

Closed

2024-10-16 12:08

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608786

Investor Post-Close

No

XXXX

20250905824

XXXX

XXXX

XXXX

Closed

2024-10-16 14:59

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610961

Investor Post-Close

No

XXXX

20250906198

XXXX

XXXX

XXXX

Closed

2024-10-16 16:54

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613037

Investor Post-Close

No

XXXX

20250906198

XXXX

XXXX

XXXX

Closed

2024-10-16 18:10

2024-10-25 16:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2614203

Investor Post-Close

No

XXXX

20250905586

XXXX

XXXX

XXXX

Closed

2024-10-16 15:25

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611402

Investor Post-Close

No

XXXX

20250905586

XXXX

XXXX

XXXX

Closed

2024-10-16 17:24

2024-10-25 18:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613512

Investor Post-Close

No

XXXX

20250905739

XXXX

XXXX

XXXX

Closed

2024-10-15 15:39

2024-11-05 13:22

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/15/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2600835

N/A

N/A

XXXX

20250905739

XXXX

XXXX

XXXX

Closed

2024-10-15 15:19

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2600526

Investor Post-Close

No

XXXX

20250905739

XXXX

XXXX

XXXX

Closed

2024-10-21 16:33

2024-10-21 16:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2648270

Investor Post-Close

No

XXXX

20250906141

XXXX

XXXX

XXXX

Closed

2024-10-16 19:01

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615002

Investor Post-Close

No

XXXX

20250906141

XXXX

XXXX

XXXX

Closed

2024-10-16 20:39

2024-10-25 17:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2616299

Investor Post-Close

No

XXXX

20250905778

XXXX

XXXX

XXXX

Closed

2024-10-27 08:51

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690044

Investor Post-Close

No

XXXX

20250905778

XXXX

XXXX

XXXX

Closed

2024-10-27 10:21

2024-10-27 10:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690180

Investor Post-Close

No

XXXX

20250905955

XXXX

XXXX

XXXX

Closed

2024-10-22 19:07

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659112

Investor Post-Close

No

XXXX

20250905955

XXXX

XXXX

XXXX

Closed

2024-10-22 19:29

2024-10-22 19:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659339

Investor Post-Close

No

XXXX

20250906168

XXXX

XXXX

XXXX

Closed

2024-10-16 19:03

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EVB. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615034

Investor Post-Close

No

XXXX

20250906168

XXXX

XXXX

XXXX

Closed

2024-10-17 19:21

2024-10-18 12:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625609

Investor Post-Close

No

XXXX

20250906099

XXXX

XXXX

XXXX

Closed

2024-10-22 15:17

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655873

Investor Post-Close

No

XXXX

20250906099

XXXX

XXXX

XXXX

Closed

2024-10-22 16:04

2024-10-22 16:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2656889

Investor Post-Close

No

XXXX

20250905859

XXXX

XXXX

XXXX

Closed

2024-10-16 19:21

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615366

Investor Post-Close

No

XXXX

20250905859

XXXX

XXXX

XXXX

Closed

2024-10-16 19:45

2024-10-18 12:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615673

Investor Post-Close

No

XXXX

20250905609

XXXX

XXXX

XXXX

Closed

2024-10-16 18:07

2024-11-06 20:11

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/16/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2614158

N/A

N/A

XXXX

20250905609

XXXX

XXXX

XXXX

Closed

2024-10-16 17:37

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2613726

Investor Post-Close

No

XXXX

20250905609

XXXX

XXXX

XXXX

Closed

2024-10-16 20:11

2024-10-18 12:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615986

Investor Post-Close

No

XXXX

20250905831

XXXX

XXXX

XXXX

Closed

2024-10-16 19:44

2024-11-06 15:39

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/06/2024 Resolved-Resolved - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. 11/2/2024 uploaded disclosure tracking  - Seller-11/02/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded. 11/2/2024 uploaded disclosure tracking  - Seller-11/02/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/06/2024  Resolved-Resolved - Due Diligence Vendor-11/06/2024

tracking1.pdf tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2615659

N/A

N/A

XXXX

20250905831

XXXX

XXXX

XXXX

Closed

2024-10-16 19:23

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2615393

Investor Post-Close

No

XXXX

20250905831

XXXX

XXXX

XXXX

Closed

2024-10-16 20:04

2024-10-25 19:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2615898

Investor Post-Close

No

XXXX

20250905821

XXXX

XXXX

XXXX

Closed

2024-10-21 12:06

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644799

Investor Post-Close

No

XXXX

20250905821

XXXX

XXXX

XXXX

Closed

2024-10-21 12:28

2024-10-22 16:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645012

Investor Post-Close

No

XXXX

20250906081

XXXX

XXXX

XXXX

Closed

2024-10-17 12:52

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619962

Investor Post-Close

No

XXXX

20250906081

XXXX

XXXX

XXXX

Closed

2024-10-17 14:41

2024-10-18 13:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621344

Investor Post-Close

No

XXXX

20250905891

XXXX

XXXX

XXXX

Closed

2024-10-16 18:22

2024-11-15 16:20

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy is fully present.  Master policy received.  Resolved. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. uploaded MCOI - Seller-11/14/2024 Escalated-HO6 Master Insurance Policy is missing.  HO6 not required per Seller Guidelines but required for securitization purposes.  XX to review. - Due Diligence Vendor-11/06/2024 Open-Missing HO-6 Master Insurance Policy including secondary loss payee - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded. uploaded MCOI - Seller-11/14/2024

Resolved-HO-6 Master Insurance Policy is fully present.  Master policy received.  Resolved. - Due Diligence Vendor-11/15/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2614350

N/A

N/A

XXXX

20250905891

XXXX

XXXX

XXXX

Closed

2024-10-16 17:49

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2613893

Investor Post-Close

No

XXXX

20250905891

XXXX

XXXX

XXXX

Closed

2024-10-16 18:36

2024-10-23 16:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2614577

Investor Post-Close

No

XXXX

20250905809

XXXX

XXXX

XXXX

Closed

2024-10-16 15:43

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611682

Investor Post-Close

No

XXXX

20250905809

XXXX

XXXX

XXXX

Closed

2024-10-16 16:25

2024-10-24 15:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612624

Investor Post-Close

No

XXXX

20250905817

XXXX

XXXX

XXXX

Closed

2024-10-16 14:19

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610375

Investor Post-Close

No

XXXX

20250905817

XXXX

XXXX

XXXX

Closed

2024-10-16 14:38

2024-10-25 20:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610655

Investor Post-Close

No

XXXX

20250905999

XXXX

XXXX

XXXX

Closed

2024-10-30 19:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2716289

Investor Post-Close

No

XXXX

20250905999

XXXX

XXXX

XXXX

Closed

2024-10-30 19:55

2024-10-30 19:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2716524

Investor Post-Close

No

XXXX

20250906095

XXXX

XXXX

XXXX

Closed

2024-10-26 16:16

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689104

Investor Post-Close

No

XXXX

20250906095

XXXX

XXXX

XXXX

Closed

2024-10-26 17:16

2024-10-26 17:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689221

Investor Post-Close

No

XXXX

20250905844

XXXX

XXXX

XXXX

Closed

2024-10-17 12:25

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619692

Investor Post-Close

No

XXXX

20250905844

XXXX

XXXX

XXXX

Closed

2024-10-18 11:15

2024-10-18 11:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629393

Investor Post-Close

No

XXXX

20250905737

XXXX

XXXX

XXXX

Closed

2024-10-17 11:30

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619227

Investor Post-Close

No

XXXX

20250905737

XXXX

XXXX

XXXX

Closed

2024-10-17 16:29

2024-10-25 20:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623299

Investor Post-Close

No

XXXX

20250905959

XXXX

XXXX

XXXX

Closed

2024-10-16 14:32

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2610574

Investor Post-Close

No

XXXX

20250905959

XXXX

XXXX

XXXX

Closed

2024-10-27 13:00

2024-10-27 13:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690396

Investor Post-Close

No

XXXX

20250906013

XXXX

XXXX

XXXX

Closed

2024-10-16 20:08

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615943

Investor Post-Close

No

XXXX

20250906013

XXXX

XXXX

XXXX

Closed

2024-10-23 15:06

2024-10-23 15:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2664671

Investor Post-Close

No

XXXX

20250905823

XXXX

XXXX

XXXX

Closed

2024-10-22 15:27

2024-10-30 17:37

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements. 24 mo. mortgage history provided on CR, no lates in prior 24 mos.  Finding resolved. - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. 24 month history is on credit report and 24 months shows 0X30, borrower had late pays 3X30, 1X60, 4x90 prior to past 24 months. See page 5 left side where shows 58 mos review and list the 30/60/90, directly underneath is 24 mons of "1's" for 24 month history.  - Seller-10/26/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements Guidelines require a 24-month mortgage history reflecting a 0x30. 24-month mortgage history not provided in file.  - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. 24 month history is on credit report and 24 months shows 0X30, borrower had late pays 3X30, 1X60, 4x90 prior to past 24 months. See page 5 left side where shows 58 mos review and list the 30/60/90, directly underneath is 24 mons of "1's" for 24 month history.  - Seller-10/26/2024

Resolved-ATR Risk - Credit History taken into consideration meets requirements. 24 mo. mortgage history provided on CR, no lates in prior 24 mos.  Finding resolved. - Due Diligence Vendor-10/30/2024

credit.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2656369

N/A

N/A

XXXX

20250905823

XXXX

XXXX

XXXX

Closed

2024-10-22 15:25

2024-10-30 17:36

Resolved

1 - Information

Credit

Eligibility

24 month mortgage history not within guidelines

Resolved-24 mo. mortgage history provided on CR, no lates in prior 24 mos.  Finding resolved. - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. 24 month history is on credit report and 24 months shows 0X30, borrower had late pays 3X30, 1X60, 4x90 prior to past 24 months. See page 5 left side where shows 58 mos review and list the 30/60/90, directly underneath is 24 mons of "1's" for 24 month history.  - Seller-10/26/2024 Open-Guidelines dated 03/27/2024 require a mortgage history of 0x30 for 24 months. The credit report under disputed accounts reflects a mortgage history of 3x30; 1x60; 4x90 with the date of the last delinquency not provided. A pay history in file only reflects the most recent 12 months. Provide evidence of the date of last delinquency or a full 24-month history meeting guidelines.  - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. 24 month history is on credit report and 24 months shows 0X30, borrower had late pays 3X30, 1X60, 4x90 prior to past 24 months. See page 5 left side where shows 58 mos review and list the 30/60/90, directly underneath is 24 mons of "1's" for 24 month history.  - Seller-10/26/2024

Resolved-24 mo. mortgage history provided on CR, no lates in prior 24 mos.  Finding resolved. - Due Diligence Vendor-10/30/2024

credit.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2656350

N/A

N/A

XXXX

20250905823

XXXX

XXXX

XXXX

Closed

2024-10-17 09:54

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618823

Investor Post-Close

No

XXXX

20250905823

XXXX

XXXX

XXXX

Closed

2024-10-17 11:37

2024-10-18 12:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619287

Investor Post-Close

No

XXXX

20250905777

XXXX

XXXX

XXXX

Closed

2024-10-15 17:57

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602802

Investor Post-Close

No

XXXX

20250905777

XXXX

XXXX

XXXX

Closed

2024-10-15 18:52

2024-10-17 17:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603645

Investor Post-Close

No

XXXX

20250905607

XXXX

XXXX

XXXX

Closed

2024-10-16 17:24

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613498

Investor Post-Close

No

XXXX

20250905607

XXXX

XXXX

XXXX

Closed

2024-10-16 17:37

2024-10-19 13:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613724

Investor Post-Close

No

XXXX

20250905799

XXXX

XXXX

XXXX

Closed

2024-10-15 19:55

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2604535

Investor Post-Close

No

XXXX

20250905799

XXXX

XXXX

XXXX

Closed

2024-10-15 20:26

2024-10-20 16:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2604874

Originator Post-Close

No

XXXX

20250905834

XXXX

XXXX

XXXX

Closed

2024-10-25 22:28

2024-11-18 19:04

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)   - Due Diligence Vendor-10/25/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2687406

N/A

N/A

XXXX

20250905834

XXXX

XXXX

XXXX

Closed

2024-10-25 22:28

2024-11-18 19:03

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Counter-Lender provided the disclosure tracking summary which reflects the Application date of XX/XX/XXXX. However, the ATR Worksheet, Data Entry Proof and XXXXX XXXXXX reflected the application date of XX/XX/XXXX.  Provide a sufficient explanation as to why the Application date on Data Entry Proof Sheet, ATR Worksheet and XXXXX XXXXXX was reflected as XX/XX/XXXX versus the earliest Application in file dated XX/XX/XXXX. Condition remains.    - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Uploaded disclosure tracking - Seller-11/02/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii))  The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/25/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024  Ready for Review-Document Uploaded. Uploaded disclosure tracking - Seller-11/02/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

tracking1.pdf tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2687407

N/A

N/A

XXXX

20250905834

XXXX

XXXX

XXXX

Closed

2024-10-16 14:01

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2610066

Investor Post-Close

No

XXXX

20250905834

XXXX

XXXX

XXXX

Closed

2024-10-16 15:38

2024-10-25 22:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2611619

Investor Post-Close

No

XXXX

20250906022

XXXX

XXXX

XXXX

Closed

2024-10-17 14:37

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621305

Investor Post-Close

No

XXXX

20250906022

XXXX

XXXX

XXXX

Closed

2024-10-17 15:06

2024-10-17 20:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621730

Investor Post-Close

No

XXXX

20250905629

XXXX

XXXX

XXXX

Closed

2024-10-18 11:05

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629332

Investor Post-Close

No

XXXX

20250905629

XXXX

XXXX

XXXX

Closed

2024-10-18 11:38

2024-10-18 11:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629534

Investor Post-Close

No

XXXX

20250905773

XXXX

XXXX

XXXX

Closed

2024-10-30 14:52

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2712279

Investor Post-Close

No

XXXX

20250905773

XXXX

XXXX

XXXX

Closed

2024-10-31 08:36

2024-10-31 08:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

XX

Primary Residence

Refinance

Cash Out - Other

2718762

Investor Post-Close

No

XXXX

20250905798

XXXX

XXXX

XXXX

Closed

2024-10-16 15:10

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611131

Investor Post-Close

No

XXXX

20250905798

XXXX

XXXX

XXXX

Closed

2024-10-16 15:34

2024-10-18 20:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611514

Investor Post-Close

No

XXXX

20250905751

XXXX

XXXX

XXXX

Closed

2024-10-29 17:50

2024-11-07 18:10

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/29/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2705200

N/A

N/A

XXXX

20250905751

XXXX

XXXX

XXXX

Closed

2024-10-29 16:15

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2703951

Investor Post-Close

No

XXXX

20250905751

XXXX

XXXX

XXXX

Closed

2024-10-29 18:01

2024-10-29 18:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2705369

Investor Post-Close

No

XXXX

20250905958

XXXX

XXXX

XXXX

Closed

2024-10-27 03:54

2024-11-04 17:46

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689675

Investor Post-Close

No

XXXX

20250905958

XXXX

XXXX

XXXX

Closed

2024-10-27 05:09

2024-10-27 05:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689761

Investor Post-Close

No

XXXX

20250905879

XXXX

XXXX

XXXX

Closed

2024-10-15 17:32

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2602384

Investor Post-Close

No

XXXX

20250905879

XXXX

XXXX

XXXX

Closed

2024-10-15 18:37

2024-10-26 13:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2603382

Investor Post-Close

No

XXXX

20250905601

XXXX

XXXX

XXXX

Closed

2024-10-16 18:00

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2614060

Investor Post-Close

No

XXXX

20250905601

XXXX

XXXX

XXXX

Closed

2024-10-17 12:15

2024-10-18 12:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619627

Investor Post-Close

No

XXXX

20250906021

XXXX

XXXX

XXXX

Closed

2024-10-16 16:36

2024-11-05 16:54

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Escalated - Due Diligence Vendor-10/16/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2612769

N/A

N/A

XXXX

20250906021

XXXX

XXXX

XXXX

Closed

2024-10-16 16:19

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612536

Investor Post-Close

No

XXXX

20250906021

XXXX

XXXX

XXXX

Closed

2024-10-25 12:29

2024-10-25 12:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680497

Investor Post-Close

No

XXXX

20250905732

XXXX

XXXX

XXXX

Closed

2024-10-13 12:07

2024-10-30 16:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EVB. - Due Diligence Vendor-10/14/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2586103

Investor Post-Close

No

XXXX

20250905732

XXXX

XXXX

XXXX

Closed

2024-10-14 18:58

2024-10-22 17:18

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. "Uploaded Final 1008 "  - Seller-10/19/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded. "Uploaded Final 1008 "  - Seller-10/19/2024

Resolved-Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-10/22/2024

XXXXXXXXXX Final 1008.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2593398

N/A

N/A

XXXX

20250905732

XXXX

XXXX

XXXX

Closed

2024-10-16 10:31

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608138

Investor Post-Close

No

XXXX

20250905680

XXXX

XXXX

XXXX

Closed

2024-10-16 15:30

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611474

Investor Post-Close

No

XXXX

20250905680

XXXX

XXXX

XXXX

Closed

2024-10-16 16:20

2024-10-22 12:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612551

Investor Post-Close

No

XXXX

20250905742

XXXX

XXXX

XXXX

Closed

2024-10-15 16:19

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2601374

Investor Post-Close

No

XXXX

20250905742

XXXX

XXXX

XXXX

Closed

2024-10-15 17:05

2024-10-17 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-   - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2601956

Investor Post-Close

No

XXXX

20250905962

XXXX

XXXX

XXXX

Closed

2024-10-16 09:39

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607919

Investor Post-Close

No

XXXX

20250905923

XXXX

XXXX

XXXX

Closed

2024-10-16 13:36

2024-11-05 13:23

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Moved to DD Queue - Due Diligence Vendor-10/16/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2609692

N/A

N/A

XXXX

20250905923

XXXX

XXXX

XXXX

Closed

2024-10-16 12:54

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609210

Investor Post-Close

No

XXXX

20250905923

XXXX

XXXX

XXXX

Closed

2024-10-21 19:47

2024-10-21 19:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650653

Investor Post-Close

No

XXXX

20250905639

XXXX

XXXX

XXXX

Closed

2024-10-15 16:47

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601715

Investor Post-Close

No

XXXX

20250905639

XXXX

XXXX

XXXX

Closed

2024-10-15 17:23

2024-10-18 14:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2602215

Investor Post-Close

No

XXXX

20250906188

XXXX

XXXX

XXXX

Closed

2024-10-16 11:46

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608601

Investor Post-Close

No

XXXX

20250906188

XXXX

XXXX

XXXX

Closed

2024-10-16 12:38

2024-10-17 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609027

Investor Post-Close

No

XXXX

20250905878

XXXX

XXXX

XXXX

Closed

2024-10-16 19:06

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2615077

Investor Post-Close

No

XXXX

20250905878

XXXX

XXXX

XXXX

Closed

2024-10-17 13:02

2024-10-18 20:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2620125

Investor Post-Close

No

XXXX

20250905665

XXXX

XXXX

XXXX

Closed

2024-10-16 15:54

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612158

Investor Post-Close

No

XXXX

20250905665

XXXX

XXXX

XXXX

Closed

2024-10-16 16:16

2024-10-17 11:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/17/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-  - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612502

Investor Post-Close

No

XXXX

20250906161

XXXX

XXXX

XXXX

Closed

2024-10-29 13:58

2024-11-11 15:32

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/29/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2701947

N/A

N/A

XXXX

20250906161

XXXX

XXXX

XXXX

Closed

2024-10-29 13:43

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2701760

Investor Post-Close

No

XXXX

20250906161

XXXX

XXXX

XXXX

Closed

2024-10-29 14:11

2024-10-29 14:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2702130

Investor Post-Close

No

XXXX

20250905965

XXXX

XXXX

XXXX

Closed

2024-10-30 16:59

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2714186

Investor Post-Close

No

XXXX

20250905965

XXXX

XXXX

XXXX

Closed

2024-10-30 17:48

2024-10-30 17:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2714850

Investor Post-Close

No

XXXX

20250905856

XXXX

XXXX

XXXX

Closed

2024-10-16 15:03

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2611025

Investor Post-Close

No

XXXX

20250905856

XXXX

XXXX

XXXX

Closed

2024-10-16 15:40

2024-10-18 12:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2611656

Investor Post-Close

No

XXXX

20250905940

XXXX

XXXX

XXXX

Closed

2024-10-23 14:45

2024-10-31 15:07

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024 Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024 Open-The subject property is in a dry funding state.  The file is missing a PCCD, or a Final Settlement Statement that matches the Final CD in file. - Due Diligence Vendor-10/23/2024

Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024

Final disbursement ledger and mss.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2664410

N/A

N/A

XXXX

20250905940

XXXX

XXXX

XXXX

Closed

2024-10-16 21:11

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2616610

Investor Post-Close

No

XXXX

20250905940

XXXX

XXXX

XXXX

Closed

2024-10-16 21:29

2024-10-23 14:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2616788

Investor Post-Close

No

XXXX

20250906142

XXXX

XXXX

XXXX

Closed

2024-10-17 09:07

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618661

Investor Post-Close

No

XXXX

20250906142

XXXX

XXXX

XXXX

Closed

2024-10-17 09:44

2024-10-18 12:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618789

Investor Post-Close

No

XXXX

20250905865

XXXX

XXXX

XXXX

Closed

2024-10-16 14:36

2024-11-06 20:15

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/16/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2610618

N/A

N/A

XXXX

20250905865

XXXX

XXXX

XXXX

Closed

2024-10-16 15:32

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611491

Investor Post-Close

No

XXXX

20250905865

XXXX

XXXX

XXXX

Closed

2024-10-16 14:49

2024-10-24 13:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2610786

Investor Post-Close

No

XXXX

20250905596

XXXX

XXXX

XXXX

Closed

2024-10-16 17:29

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613630

Investor Post-Close

No

XXXX

20250905596

XXXX

XXXX

XXXX

Closed

2024-10-22 19:50

2024-10-22 19:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659562

Investor Post-Close

No

XXXX

20250906192

XXXX

XXXX

XXXX

Closed

2024-10-17 10:56

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619056

Investor Post-Close

No

XXXX

20250906192

XXXX

XXXX

XXXX

Closed

2024-10-18 11:30

2024-10-18 11:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629469

Investor Post-Close

No

XXXX

20250905571

XXXX

XXXX

XXXX

Closed

2024-10-16 17:30

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2613643

Investor Post-Close

No

XXXX

20250905571

XXXX

XXXX

XXXX

Closed

2024-10-16 17:50

2024-10-20 15:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2613910

Investor Post-Close

No

XXXX

20250905697

XXXX

XXXX

XXXX

Closed

2024-10-15 17:26

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602271

Investor Post-Close

No

XXXX

20250905697

XXXX

XXXX

XXXX

Closed

2024-10-15 18:06

2024-10-18 20:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602916

Originator Post-Close

No

XXXX

20250905975

XXXX

XXXX

XXXX

Closed

2024-10-15 14:39

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2599803

Investor Post-Close

No

XXXX

20250905975

XXXX

XXXX

XXXX

Closed

2024-10-15 16:27

2024-10-18 13:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2601459

Investor Post-Close

No

XXXX

20250906025

XXXX

XXXX

XXXX

Closed

2024-10-22 13:00

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2654188

Investor Post-Close

No

XXXX

20250906171

XXXX

XXXX

XXXX

Closed

2024-10-15 17:42

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602567

Investor Post-Close

No

XXXX

20250906115

XXXX

XXXX

XXXX

Closed

2024-10-17 13:28

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2620429

Investor Post-Close

No

XXXX

20250906115

XXXX

XXXX

XXXX

Closed

2024-10-24 11:23

2024-10-24 11:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671353

Investor Post-Close

No

XXXX

20250905728

XXXX

XXXX

XXXX

Closed

2024-10-16 08:07

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2607719

Investor Post-Close

No

XXXX

20250905728

XXXX

XXXX

XXXX

Closed

2024-10-24 14:16

2024-10-24 14:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672821

Investor Post-Close

No

XXXX

20250906012

XXXX

XXXX

XXXX

Closed

2024-10-27 14:34

2024-11-18 19:12

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Counter-Lender provided the disclosure tracking summary which reflects the Application date of XX/XX/XXXX. However, the ATR Worksheet, Data Entry Proof and XXXXX XXXXXX reflected the application date of XX/XX/XXXX.  Provide a sufficient explanation as to why the Application date on Data Entry Proof Sheet, ATR Worksheet and XXXXX XXXXXX was reflected as XX/XX/XXXX versus the earliest Application in file dated XX/XX/XXXX. Condition remains.    - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii))   The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/27/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024  Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

tracking1.pdf tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2690533

N/A

N/A

XXXX

20250906012

XXXX

XXXX

XXXX

Closed

2024-10-27 14:34

2024-11-18 19:12

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)    - Due Diligence Vendor-10/27/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690532

N/A

N/A

XXXX

20250906012

XXXX

XXXX

XXXX

Closed

2024-10-15 18:56

2024-11-05 16:57

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated- - Due Diligence Vendor-10/30/2024 Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Moved to DD Queue - Due Diligence Vendor-10/16/2024

Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2603705

N/A

N/A

XXXX

20250906012

XXXX

XXXX

XXXX

Closed

2024-10-15 18:16

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603058

Investor Post-Close

No

XXXX

20250906012

XXXX

XXXX

XXXX

Closed

2024-10-15 19:23

2024-10-27 14:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2604071

Investor Post-Close

No

XXXX

20250905804

XXXX

XXXX

XXXX

Closed

2024-10-16 11:34

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608511

Investor Post-Close

No

XXXX

20250905804

XXXX

XXXX

XXXX

Closed

2024-10-17 14:11

2024-10-27 14:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2620971

Investor Post-Close

No

XXXX

20250905707

XXXX

XXXX

XXXX

Closed

2024-10-18 12:29

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629991

Investor Post-Close

No

XXXX

20250905707

XXXX

XXXX

XXXX

Closed

2024-10-18 13:11

2024-10-18 13:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2630429

Investor Post-Close

No

XXXX

20250905703

XXXX

XXXX

XXXX

Closed

2024-10-18 15:00

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2631720

Investor Post-Close

No

XXXX

20250905703

XXXX

XXXX

XXXX

Closed

2024-10-18 15:38

2024-10-18 15:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632356

Investor Post-Close

No

XXXX

20250906113

XXXX

XXXX

XXXX

Closed

2024-10-15 17:50

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602680

Investor Post-Close

No

XXXX

20250906113

XXXX

XXXX

XXXX

Closed

2024-10-15 19:03

2024-10-20 15:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2603780

Investor Post-Close

No

XXXX

20250905572

XXXX

XXXX

XXXX

Closed

2024-10-17 10:11

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing , this finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2618878

Investor Post-Close

No

XXXX

20250905572

XXXX

XXXX

XXXX

Closed

2024-10-17 11:54

2024-10-18 11:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619423

Investor Post-Close

No

XXXX

20250906199

XXXX

XXXX

XXXX

Closed

2024-10-15 20:55

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2605348

Investor Post-Close

No

XXXX

20250906199

XXXX

XXXX

XXXX

Closed

2024-10-15 21:14

2024-10-18 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2605527

Investor Post-Close

No

XXXX

20250905954

XXXX

XXXX

XXXX

Closed

2024-10-16 14:14

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2610270

Investor Post-Close

No

XXXX

20250905954

XXXX

XXXX

XXXX

Closed

2024-10-16 14:41

2024-10-28 12:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2610696

Investor Post-Close

No

XXXX

20250905854

XXXX

XXXX

XXXX

Closed

2024-10-18 12:27

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629955

Investor Post-Close

No

XXXX

20250905854

XXXX

XXXX

XXXX

Closed

2024-10-18 12:48

2024-10-18 12:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630180

Investor Post-Close

No

XXXX

20250905585

XXXX

XXXX

XXXX

Closed

2024-10-18 09:12

2024-11-06 20:33

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated- - Due Diligence Vendor-10/30/2024 Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/18/2024

Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2628915

N/A

N/A

XXXX

20250905585

XXXX

XXXX

XXXX

Closed

2024-10-17 10:18

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618899

Investor Post-Close

No

XXXX

20250905585

XXXX

XXXX

XXXX

Closed

2024-10-18 12:04

2024-10-18 12:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629745

Investor Post-Close

No

XXXX

20250906132

XXXX

XXXX

XXXX

Closed

2024-10-16 13:36

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2609709

Investor Post-Close

No

XXXX

20250906132

XXXX

XXXX

XXXX

Closed

2024-10-16 15:45

2024-10-28 14:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2611735

Investor Post-Close

No

XXXX

20250905911

XXXX

XXXX

XXXX

Closed

2024-10-18 15:26

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632204

Investor Post-Close

No

XXXX

20250905911

XXXX

XXXX

XXXX

Closed

2024-10-18 15:46

2024-10-18 15:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632454

Investor Post-Close

No

XXXX

20250905708

XXXX

XXXX

XXXX

Closed

2024-10-22 12:37

2024-11-04 17:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653961

Investor Post-Close

No

XXXX

20250905708

XXXX

XXXX

XXXX

Closed

2024-10-22 15:58

2024-10-22 15:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2656806

Investor Post-Close

No

XXXX

20250905970

XXXX

XXXX

XXXX

Closed

2024-10-15 17:59

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602828

Investor Post-Close

No

XXXX

20250905970

XXXX

XXXX

XXXX

Closed

2024-10-15 18:11

2024-10-28 13:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2602993

Investor Post-Close

No

XXXX

20250905828

XXXX

XXXX

XXXX

Closed

2024-10-18 13:18

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630521

Investor Post-Close

No

XXXX

20250905828

XXXX

XXXX

XXXX

Closed

2024-10-18 15:28

2024-10-18 17:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632230

Investor Post-Close

No

XXXX

20250906062

XXXX

XXXX

XXXX

Closed

2024-10-18 17:36

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634003

Investor Post-Close

No

XXXX

20250906062

XXXX

XXXX

XXXX

Closed

2024-10-18 19:05

2024-10-18 19:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635183

Investor Post-Close

No

XXXX

20250906165

XXXX

XXXX

XXXX

Closed

2024-10-21 14:38

2024-11-19 13:49

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)   - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646542

N/A

N/A

XXXX

20250906165

XXXX

XXXX

XXXX

Closed

2024-10-21 14:38

2024-11-19 13:49

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii))  The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646543

N/A

N/A

XXXX

20250906165

XXXX

XXXX

XXXX

Closed

2024-10-16 10:21

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608093

Investor Post-Close

No

XXXX

20250906165

XXXX

XXXX

XXXX

Closed

2024-10-16 10:47

2024-10-21 14:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608230

Investor Post-Close

No

XXXX

20250906116

XXXX

XXXX

XXXX

Closed

2024-10-18 12:09

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629782

Investor Post-Close

No

XXXX

20250906116

XXXX

XXXX

XXXX

Closed

2024-10-18 13:06

2024-10-18 13:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630357

Investor Post-Close

No

XXXX

20250905951

XXXX

XXXX

XXXX

Closed

2024-10-16 18:13

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2614227

Investor Post-Close

No

XXXX

20250905951

XXXX

XXXX

XXXX

Closed

2024-10-16 19:03

2024-10-22 23:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2615024

Investor Post-Close

No

XXXX

20250906130

XXXX

XXXX

XXXX

Closed

2024-10-18 08:16

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2628745

Investor Post-Close

No

XXXX

20250906130

XXXX

XXXX

XXXX

Closed

2024-10-18 08:52

2024-10-18 12:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2628845

Investor Post-Close

No

XXXX

20250906043

XXXX

XXXX

XXXX

Closed

2024-10-17 11:10

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619133

Investor Post-Close

No

XXXX

20250906043

XXXX

XXXX

XXXX

Closed

2024-10-17 11:47

2024-10-18 01:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619358

Originator Post-Close

No

XXXX

20250905945

XXXX

XXXX

XXXX

Closed

2024-10-16 16:15

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612494

Investor Post-Close

No

XXXX

20250905945

XXXX

XXXX

XXXX

Closed

2024-10-16 22:48

2024-10-22 23:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2617238

Investor Post-Close

No

XXXX

20250905588

XXXX

XXXX

XXXX

Closed

2024-10-24 11:48

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671520

Investor Post-Close

No

XXXX

20250905588

XXXX

XXXX

XXXX

Closed

2024-10-24 12:31

2024-10-28 16:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671891

Investor Post-Close

No

XXXX

20250905912

XXXX

XXXX

XXXX

Closed

2024-10-16 08:50

2024-11-05 13:24

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Moved to DD Queue - Due Diligence Vendor-10/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/16/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2607812

N/A

N/A

XXXX

20250905912

XXXX

XXXX

XXXX

Closed

2024-10-16 08:29

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2607778

Investor Post-Close

No

XXXX

20250905912

XXXX

XXXX

XXXX

Closed

2024-10-16 08:59

2024-10-21 14:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2607828

Originator Post-Close

No

XXXX

20250905721

XXXX

XXXX

XXXX

Closed

2024-10-17 13:31

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2620455

Investor Post-Close

No

XXXX

20250905721

XXXX

XXXX

XXXX

Closed

2024-10-17 14:46

2024-10-18 18:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2621388

Investor Post-Close

No

XXXX

20250905907

XXXX

XXXX

XXXX

Closed

2024-10-18 15:01

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2631729

Investor Post-Close

No

XXXX

20250905907

XXXX

XXXX

XXXX

Closed

2024-10-28 16:19

2024-10-28 16:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2695518

Investor Post-Close

No

XXXX

20250905924

XXXX

XXXX

XXXX

Closed

2024-10-18 10:33

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629187

Investor Post-Close

No

XXXX

20250905924

XXXX

XXXX

XXXX

Closed

2024-10-18 11:17

2024-10-18 11:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629403

Investor Post-Close

No

XXXX

20250905885

XXXX

XXXX

XXXX

Closed

2024-10-15 22:51

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2606657

Investor Post-Close

No

XXXX

20250905885

XXXX

XXXX

XXXX

Closed

2024-10-15 23:46

2024-10-28 13:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2606823

Investor Post-Close

No

XXXX

20250905960

XXXX

XXXX

XXXX

Closed

2024-10-17 10:46

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618999

Investor Post-Close

No

XXXX

20250905960

XXXX

XXXX

XXXX

Closed

2024-10-17 13:00

2024-10-18 11:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2620096

Investor Post-Close

No

XXXX

20250906133

XXXX

XXXX

XXXX

Closed

2024-10-17 11:55

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619431

Investor Post-Close

No

XXXX

20250906133

XXXX

XXXX

XXXX

Closed

2024-10-17 16:59

2024-10-20 18:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623677

Investor Post-Close

No

XXXX

20250905619

XXXX

XXXX

XXXX

Closed

2024-10-16 19:39

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2615604

Investor Post-Close

No

XXXX

20250905619

XXXX

XXXX

XXXX

Closed

2024-10-16 20:23

2024-10-24 17:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2616118

Investor Post-Close

No

XXXX

20250905618

XXXX

XXXX

XXXX

Closed

2024-10-18 14:08

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2631070

Investor Post-Close

No

XXXX

20250905618

XXXX

XXXX

XXXX

Closed

2024-10-18 15:02

2024-10-18 15:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2631745

Investor Post-Close

No

XXXX

20250906186

XXXX

XXXX

XXXX

Closed

2024-10-18 17:33

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633955

Investor Post-Close

No

XXXX

20250906186

XXXX

XXXX

XXXX

Closed

2024-10-18 18:16

2024-10-18 18:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634544

Investor Post-Close

No

XXXX

20250905937

XXXX

XXXX

XXXX

Closed

2024-10-18 10:56

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629285

Investor Post-Close

No

XXXX

20250905937

XXXX

XXXX

XXXX

Closed

2024-10-18 16:45

2024-10-28 12:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633234

Investor Post-Close

No

XXXX

20250905896

XXXX

XXXX

XXXX

Closed

2024-10-17 19:04

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625403

Investor Post-Close

No

XXXX

20250905896

XXXX

XXXX

XXXX

Closed

2024-10-18 12:16

2024-10-18 12:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629837

Investor Post-Close

No

XXXX

20250905818

XXXX

XXXX

XXXX

Closed

2024-10-15 23:02

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2606683

Investor Post-Close

No

XXXX

20250905818

XXXX

XXXX

XXXX

Closed

2024-10-15 23:22

2024-10-23 19:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2606765

Investor Post-Close

No

XXXX

20250906170

XXXX

XXXX

XXXX

Closed

2024-10-17 18:42

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625076

Investor Post-Close

No

XXXX

20250906170

XXXX

XXXX

XXXX

Closed

2024-10-17 19:11

2024-10-23 17:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625507

Investor Post-Close

No

XXXX

20250905941

XXXX

XXXX

XXXX

Closed

2024-10-18 10:48

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629262

Investor Post-Close

No

XXXX

20250905941

XXXX

XXXX

XXXX

Closed

2024-10-18 11:15

2024-10-28 14:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629394

Investor Post-Close

No

XXXX

20250905797

XXXX

XXXX

XXXX

Closed

2024-10-18 10:18

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629133

Investor Post-Close

No

XXXX

20250905797

XXXX

XXXX

XXXX

Closed

2024-10-18 10:47

2024-10-18 10:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629252

Investor Post-Close

No

XXXX

20250905994

XXXX

XXXX

XXXX

Closed

2024-10-15 22:21

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2606454

Investor Post-Close

No

XXXX

20250905994

XXXX

XXXX

XXXX

Closed

2024-10-16 08:24

2024-10-18 12:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607755

Investor Post-Close

No

XXXX

20250905687

XXXX

XXXX

XXXX

Closed

2024-10-15 20:31

2024-11-11 14:42

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided a VOE within 10 days of the Note date for the borrower. The documentation is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/11/2024 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/11/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. borrower is 1099, 1099 in file along with receipts/bank statements to show borrower is still active as a driver. - Seller-11/07/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. borrower is 1099, 1099 in file along with receipts/bank statements to show borrower is still active as a driver. - Seller-11/07/2024

Resolved-Lender provided a VOE within 10 days of the Note date for the borrower. The documentation is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/11/2024  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/11/2024

1099.pdf proof business active.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2605110

N/A

N/A

XXXX

20250905687

XXXX

XXXX

XXXX

Closed

2024-10-15 20:31

2024-11-11 14:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Lender provided a VOE within 10 days of the Note date for the borrower. The documentation is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/11/2024 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. borrower is 1099, 1099 in file along with receipts/bank statements to show borrower is still active as a driver. - Seller-11/07/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. borrower is 1099, 1099 in file along with receipts/bank statements to show borrower is still active as a driver. - Seller-11/07/2024

Resolved-Lender provided a VOE within 10 days of the Note date for the borrower. The documentation is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/11/2024  Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/11/2024

1099.pdf proof business active.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2605109

N/A

N/A

XXXX

20250905687

XXXX

XXXX

XXXX

Closed

2024-10-15 20:42

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2605212

Investor Post-Close

No

XXXX

20250905687

XXXX

XXXX

XXXX

Closed

2024-10-16 11:46

2024-10-28 17:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608597

Investor Post-Close

No

XXXX

20250906139

XXXX

XXXX

XXXX

Closed

2024-10-17 18:07

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624581

Investor Post-Close

No

XXXX

20250906139

XXXX

XXXX

XXXX

Closed

2024-10-18 10:48

2024-10-18 12:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629261

Investor Post-Close

No

XXXX

20250905702

XXXX

XXXX

XXXX

Closed

2024-10-17 13:58

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2620808

Investor Post-Close

No

XXXX

20250905702

XXXX

XXXX

XXXX

Closed

2024-10-17 14:42

2024-10-18 11:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621350

Investor Post-Close

No

XXXX

20250906058

XXXX

XXXX

XXXX

Closed

2024-10-17 12:09

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619559

Investor Post-Close

No

XXXX

20250906058

XXXX

XXXX

XXXX

Closed

2024-10-17 12:50

2024-10-28 17:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619950

Investor Post-Close

No

XXXX

20250906050

XXXX

XXXX

XXXX

Closed

2024-10-20 08:06

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641048

Investor Post-Close

No

XXXX

20250906050

XXXX

XXXX

XXXX

Closed

2024-10-20 08:34

2024-10-20 08:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641075

Investor Post-Close

No

XXXX

20250905597

XXXX

XXXX

XXXX

Closed

2024-10-28 16:48

2024-11-18 19:24

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Counter-Lender provided the disclosure tracking summary which reflects the Application date of XX/XX/XXXX. However, the ATR Worksheet, Data Entry Proof and XXXXX XXXXXX reflected the application date of XX/XX/XXXX.  Provide a sufficient explanation as to why the Application date on Data Entry Proof Sheet, ATR Worksheet and XXXXX XXXXXX was reflected as XX/XX/XXXX versus the earliest Application in file dated XX/XX/XXXX. Condition remains.    - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. XX/XX/XXXX uploaded disclosure tracking - Seller-11/02/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure.  - Due Diligence Vendor-10/28/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024  Ready for Review-Document Uploaded. 11/2/2024 uploaded disclosure tracking - Seller-11/02/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

tracking1.pdf tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2695858

N/A

N/A

XXXX

20250905597

XXXX

XXXX

XXXX

Closed

2024-10-28 16:48

2024-11-18 19:24

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)    - Due Diligence Vendor-10/28/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2695857

N/A

N/A

XXXX

20250905597

XXXX

XXXX

XXXX

Closed

2024-10-17 23:40

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2627747

Investor Post-Close

No

XXXX

20250905597

XXXX

XXXX

XXXX

Closed

2024-10-17 23:56

2024-10-18 12:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2627774

Investor Post-Close

No

XXXX

20250906158

XXXX

XXXX

XXXX

Closed

2024-10-17 21:27

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2627000

Investor Post-Close

No

XXXX

20250906158

XXXX

XXXX

XXXX

Closed

2024-10-17 23:23

2024-10-18 12:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2627705

Investor Post-Close

No

XXXX

20250906195

XXXX

XXXX

XXXX

Closed

2024-10-17 11:20

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619182

Investor Post-Close

No

XXXX

20250906195

XXXX

XXXX

XXXX

Closed

2024-10-17 12:08

2024-10-18 12:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2619552

Investor Post-Close

No

XXXX

20250906040

XXXX

XXXX

XXXX

Closed

2024-10-17 17:57

2024-11-06 20:51

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Please escalate to XX as they are ordering PDI's - Seller-10/30/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/17/2024

Ready for Review-Please escalate to XX as they are ordering PDI's - Seller-10/30/2024

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2624471

N/A

N/A

XXXX

20250906040

XXXX

XXXX

XXXX

Closed

2024-10-17 17:22

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623967

Investor Post-Close

No

XXXX

20250906040

XXXX

XXXX

XXXX

Closed

2024-10-17 18:29

2024-10-18 12:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624893

Investor Post-Close

No

XXXX

20250905969

XXXX

XXXX

XXXX

Closed

2024-10-17 12:16

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619628

Investor Post-Close

No

XXXX

20250905969

XXXX

XXXX

XXXX

Closed

2024-10-17 13:28

2024-10-18 19:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2620434

Investor Post-Close

No

XXXX

20250906204

XXXX

XXXX

XXXX

Closed

2024-10-18 14:06

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2631045

Investor Post-Close

No

XXXX

20250906204

XXXX

XXXX

XXXX

Closed

2024-10-18 15:01

2024-10-18 15:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2631741

Investor Post-Close

No

XXXX

20250905929

XXXX

XXXX

XXXX

Closed

2024-10-17 15:06

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621726

Investor Post-Close

No

XXXX

20250905929

XXXX

XXXX

XXXX

Closed

2024-10-17 16:28

2024-10-18 12:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623275

Investor Post-Close

No

XXXX

20250906045

XXXX

XXXX

XXXX

Closed

2024-10-17 19:41

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625889

Investor Post-Close

No

XXXX

20250906045

XXXX

XXXX

XXXX

Closed

2024-10-18 06:49

2024-10-18 12:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2628525

Investor Post-Close

No

XXXX

20250905811

XXXX

XXXX

XXXX

Closed

2024-10-17 10:14

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2618883

Investor Post-Close

No

XXXX

20250905811

XXXX

XXXX

XXXX

Closed

2024-10-17 10:47

2024-10-18 11:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619008

Investor Post-Close

No

XXXX

20250905815

XXXX

XXXX

XXXX

Closed

2024-10-17 19:28

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625686

Investor Post-Close

No

XXXX

20250905815

XXXX

XXXX

XXXX

Closed

2024-10-17 19:47

2024-10-21 20:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625971

Investor Post-Close

No

XXXX

20250905608

XXXX

XXXX

XXXX

Closed

2024-10-17 14:19

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing  This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621087

Investor Post-Close

No

XXXX

20250905608

XXXX

XXXX

XXXX

Closed

2024-10-18 12:01

2024-10-18 12:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629722

Investor Post-Close

No

XXXX

20250906047

XXXX

XXXX

XXXX

Closed

2024-10-17 13:38

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2620538

Investor Post-Close

No

XXXX

20250906047

XXXX

XXXX

XXXX

Closed

2024-10-17 14:28

2024-10-18 11:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621194

Investor Post-Close

No

XXXX

20250905802

XXXX

XXXX

XXXX

Closed

2024-10-18 12:41

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630108

Investor Post-Close

No

XXXX

20250905802

XXXX

XXXX

XXXX

Closed

2024-10-18 13:48

2024-10-18 13:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630835

Investor Post-Close

No

XXXX

20250906119

XXXX

XXXX

XXXX

Closed

2024-10-28 15:26

2024-11-18 19:29

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Counter-Lender provided a Disclosure Tracking Summary to document the initial LE was issued and received on XX/XX/XXXX.  The issue is that the initial LE was not issued within 3 days of the application date of XX/XX/XXXX.  Condition remains.   - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/28/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024  Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

tracking.pdf tracking1.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2694758

N/A

N/A

XXXX

20250906119

XXXX

XXXX

XXXX

Closed

2024-10-28 15:26

2024-11-18 19:28

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)   - Due Diligence Vendor-10/28/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2694757

N/A

N/A

XXXX

20250906119

XXXX

XXXX

XXXX

Closed

2024-10-18 15:33

2024-11-05 18:12

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Lender provided complete Fraud Report.  Condition cleared.  - Due Diligence Vendor-11/05/2024 Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. uploaded Fraud report - Seller-11/02/2024 Open-Third Party Fraud Report Partially Provided Missing page 1. - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. uploaded Fraud report - Seller-11/02/2024

Resolved-Lender provided complete Fraud Report.  Condition cleared.  - Due Diligence Vendor-11/05/2024  Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/05/2024

Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632288

N/A

N/A

XXXX

20250906119

XXXX

XXXX

XXXX

Closed

2024-10-18 15:59

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632634

Investor Post-Close

No

XXXX

20250906119

XXXX

XXXX

XXXX

Closed

2024-10-18 16:57

2024-10-28 15:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2633412

Investor Post-Close

No

XXXX

20250905654

XXXX

XXXX

XXXX

Closed

2024-10-17 17:14

2024-11-06 21:05

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Please escalate to XX as they are ordering PDI's - Seller-10/30/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/17/2024

Ready for Review-Please escalate to XX as they are ordering PDI's - Seller-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2623864

N/A

N/A

XXXX

20250905654

XXXX

XXXX

XXXX

Closed

2024-10-17 16:47

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623525

Investor Post-Close

No

XXXX

20250905654

XXXX

XXXX

XXXX

Closed

2024-10-17 18:25

2024-10-18 11:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624824

Investor Post-Close

No

XXXX

20250905668

XXXX

XXXX

XXXX

Closed

2024-10-18 09:24

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2628950

Investor Post-Close

No

XXXX

20250905668

XXXX

XXXX

XXXX

Closed

2024-10-18 10:15

2024-10-18 11:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629102

Investor Post-Close

No

XXXX

20250905967

XXXX

XXXX

XXXX

Closed

2024-10-18 10:25

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629168

Investor Post-Close

No

XXXX

20250905967

XXXX

XXXX

XXXX

Closed

2024-10-18 11:17

2024-10-21 19:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.    - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.    - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629402

Investor Post-Close

No

XXXX

20250905694

XXXX

XXXX

XXXX

Closed

2024-10-30 08:53

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709476

Investor Post-Close

No

XXXX

20250905694

XXXX

XXXX

XXXX

Closed

2024-10-30 08:52

2024-11-07 12:44

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/07/2024 Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/07/2024 Ready for Review-Document Uploaded. uploaded 1008 - Seller-11/06/2024 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. uploaded 1008 - Seller-11/06/2024

Resolved-Lender provided the Underwriting and Transmittal Summary (Final 1008). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/07/2024  Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-11/07/2024

1008.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709474

N/A

N/A

XXXX

20250905694

XXXX

XXXX

XXXX

Closed

2024-10-30 08:53

2024-10-30 08:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709475

Investor Post-Close

No

XXXX

20250905779

XXXX

XXXX

XXXX

Closed

2024-10-18 14:03

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2631016

Investor Post-Close

No

XXXX

20250905779

XXXX

XXXX

XXXX

Closed

2024-10-18 14:38

2024-10-24 15:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2631389

Investor Post-Close

No

XXXX

20250906112

XXXX

XXXX

XXXX

Closed

2024-10-17 13:22

2024-11-13 22:52

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/13/2024 Unable to Resolve-Unable to Resolve-Agree - UW did not reduce AVM Value of $XXX,XXX.XX by 10% due to confidence score of .18. - Seller-11/03/2024 Open-Audited CLTV of 77.74% exceeds Guideline CLTV of 75% CLTV of 77.74% exceeds Guideline combined loan to value percentage of 75% due to reduction in appraisal value by 10% as per guideline requirement (FSD Score 0.18)  - Due Diligence Vendor-10/17/2024

Unable to Resolve-Unable to Resolve-Agree - UW did not reduce AVM Value of $XXX,XXX by 10% due to confidence score of .18. - Seller-11/03/2024

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/13/2024

FICO 701;  Borrower has 8+ years of work in the same field;  Principal residence

XX

Primary Residence

Refinance

Cash Out - Other

2620377

Investor Post-Close

No

XXXX

20250906112

XXXX

XXXX

XXXX

Closed

2024-10-17 11:57

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619445

Investor Post-Close

No

XXXX

20250906112

XXXX

XXXX

XXXX

Closed

2024-10-17 13:34

2024-10-28 21:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2620482

Investor Post-Close

No

XXXX

20250906109

XXXX

XXXX

XXXX

Closed

2024-10-19 07:58

2024-11-05 13:26

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Escalated - Due Diligence Vendor-10/19/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638128

N/A

N/A

XXXX

20250906109

XXXX

XXXX

XXXX

Closed

2024-10-19 07:35

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638076

Investor Post-Close

No

XXXX

20250906109

XXXX

XXXX

XXXX

Closed

2024-10-19 08:26

2024-10-22 14:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638164

Investor Post-Close

No

XXXX

20250906184

XXXX

XXXX

XXXX

Closed

2024-10-17 15:02

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621670

Investor Post-Close

No

XXXX

20250906184

XXXX

XXXX

XXXX

Closed

2024-10-17 16:15

2024-10-18 12:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623037

Investor Post-Close

No

XXXX

20250905666

XXXX

XXXX

XXXX

Closed

2024-10-17 13:40

2024-11-26 13:31

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-Lender indicated subject is not a condo but rather a SFD and provided supporting documentation from online.  Condition cleared.   - Due Diligence Vendor-11/26/2024 Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/26/2024 Ready for Review-Document Uploaded. uploaded document as pdf.  The property is a SFR.  There are known occasions where land is zoned for condominium however ends up having SFR's built on the land instead.  Pictures show this property is a SFR. I'm not able to get on the assessors website as it requires a subscription. - Seller-11/22/2024 Counter-Lender provided a word document that we are not able to open.  Please upload document as a pdf.  Additionally, the Mortgage contains a Condo Rider.  Please explain why a condo rider is included if the subject is not a condo.  Condition remains.   - Due Diligence Vendor-11/20/2024 Ready for Review-Document Uploaded. uploaded proof property is SFR, not a condominium. - Seller-11/19/2024 Returned-Document Uploaded. uploaded proof the property is a SFR, not a condo association. Property does have XXX dues however those are strictly for maintenance of the canal for XXXX XXXXXXXXXXX. - Seller-11/19/2024 Escalated-HO6 Master Insurance Policy is missing.  HO6 not required per Seller Guidelines but required for securitization purposes.  XX to review. - Due Diligence Vendor-11/06/2024 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. uploaded document as pdf.  The property is a SFR.  There are known occasions where land is zoned for condominium however ends up having SFR's built on the land instead.  Pictures show this property is a SFR. I'm not able to get on the assessors website as it requires a subscription. - Seller-11/22/2024  Ready for Review-Document Uploaded. uploaded proof property is SFR, not a condominium. - Seller-11/19/2024

Resolved-Lender indicated subject is not a condo but rather a SFD and provided supporting documentation from online.  Condition cleared.   - Due Diligence Vendor-11/26/2024  Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/26/2024

SFR (1).docx package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2620567

N/A

N/A

XXXX

20250905666

XXXX

XXXX

XXXX

Closed

2024-10-17 12:52

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619960

Investor Post-Close

No

XXXX

20250905666

XXXX

XXXX

XXXX

Closed

2024-10-17 14:32

2024-10-28 18:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621261

Investor Post-Close

No

XXXX

20250905884

XXXX

XXXX

XXXX

Closed

2024-10-17 14:32

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2621260

Investor Post-Close

No

XXXX

20250905884

XXXX

XXXX

XXXX

Closed

2024-10-17 15:01

2024-10-18 12:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2621648

Investor Post-Close

No

XXXX

20250905833

XXXX

XXXX

XXXX

Closed

2024-10-18 14:46

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2631510

Investor Post-Close

No

XXXX

20250905833

XXXX

XXXX

XXXX

Closed

2024-10-18 15:46

2024-10-18 15:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632442

Investor Post-Close

No

XXXX

20250905730

XXXX

XXXX

XXXX

Closed

2024-10-17 17:14

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2623863

Investor Post-Close

No

XXXX

20250905730

XXXX

XXXX

XXXX

Closed

2024-10-17 18:24

2024-10-18 13:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2624797

Investor Post-Close

No

XXXX

20250905719

XXXX

XXXX

XXXX

Closed

2024-10-17 10:03

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618845

Investor Post-Close

No

XXXX

20250905719

XXXX

XXXX

XXXX

Closed

2024-10-17 10:26

2024-10-18 14:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2618929

Investor Post-Close

No

XXXX

20250905576

XXXX

XXXX

XXXX

Closed

2024-10-17 17:08

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing , this finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2623779

Investor Post-Close

No

XXXX

20250905576

XXXX

XXXX

XXXX

Closed

2024-10-17 22:52

2024-10-18 11:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2627559

Investor Post-Close

No

XXXX

20250906166

XXXX

XXXX

XXXX

Closed

2024-10-17 12:24

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619689

Investor Post-Close

No

XXXX

20250906166

XXXX

XXXX

XXXX

Closed

2024-10-17 13:49

2024-10-18 12:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2620671

Investor Post-Close

No

XXXX

20250905725

XXXX

XXXX

XXXX

Closed

2024-10-18 12:20

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629880

Investor Post-Close

No

XXXX

20250905725

XXXX

XXXX

XXXX

Closed

2024-10-18 13:18

2024-10-18 15:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2630520

Investor Post-Close

No

XXXX

20250905820

XXXX

XXXX

XXXX

Closed

2024-10-18 13:50

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630867

Investor Post-Close

No

XXXX

20250905820

XXXX

XXXX

XXXX

Closed

2024-10-18 14:44

2024-10-18 14:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2631476

Investor Post-Close

No

XXXX

20250905644

XXXX

XXXX

XXXX

Closed

2024-10-21 01:09

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642922

Investor Post-Close

No

XXXX

20250905644

XXXX

XXXX

XXXX

Closed

2024-10-21 01:38

2024-10-21 01:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642946

Investor Post-Close

No

XXXX

20250905661

XXXX

XXXX

XXXX

Closed

2024-10-18 17:43

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634096

Investor Post-Close

No

XXXX

20250905661

XXXX

XXXX

XXXX

Closed

2024-10-18 18:45

2024-10-18 18:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634880

Investor Post-Close

No

XXXX

20250905936

XXXX

XXXX

XXXX

Closed

2024-10-17 14:35

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EVB.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2621277

Investor Post-Close

No

XXXX

20250905936

XXXX

XXXX

XXXX

Closed

2024-10-17 15:04

2024-10-18 12:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2621705

Investor Post-Close

No

XXXX

20250905864

XXXX

XXXX

XXXX

Closed

2024-10-20 07:56

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641035

Investor Post-Close

No

XXXX

20250905864

XXXX

XXXX

XXXX

Closed

2024-10-21 17:45

2024-10-21 17:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649168

Investor Post-Close

No

XXXX

20250905906

XXXX

XXXX

XXXX

Closed

2024-10-17 14:31

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621235

Investor Post-Close

No

XXXX

20250905906

XXXX

XXXX

XXXX

Closed

2024-10-17 14:45

2024-10-18 13:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621377

Investor Post-Close

No

XXXX

20250905790

XXXX

XXXX

XXXX

Closed

2024-10-18 13:30

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630641

Investor Post-Close

No

XXXX

20250905790

XXXX

XXXX

XXXX

Closed

2024-10-20 08:54

2024-10-28 19:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641118

Investor Post-Close

No

XXXX

20250906104

XXXX

XXXX

XXXX

Closed

2024-10-18 11:26

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629438

Investor Post-Close

No

XXXX

20250906104

XXXX

XXXX

XXXX

Closed

2024-10-18 12:56

2024-10-18 12:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630256

Investor Post-Close

No

XXXX

20250906068

XXXX

XXXX

XXXX

Closed

2024-10-17 22:57

2024-10-31 15:01

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024 Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024 Open-Final Closing Disclosure is missing or incomplete The subject is in a dry funding state, missing the PDDC or confirmation the figures on the consummation CD did not change. - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024

Final disbursement ledger and mss.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2627580

N/A

N/A

XXXX

20250906068

XXXX

XXXX

XXXX

Closed

2024-10-17 22:10

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2627315

Investor Post-Close

No

XXXX

20250906068

XXXX

XXXX

XXXX

Closed

2024-10-17 22:30

2024-10-18 14:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2627431

Investor Post-Close

No

XXXX

20250906077

XXXX

XXXX

XXXX

Closed

2024-10-17 17:20

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623951

Investor Post-Close

No

XXXX

20250906077

XXXX

XXXX

XXXX

Closed

2024-10-17 18:06

2024-10-18 11:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624558

Investor Post-Close

No

XXXX

20250906055

XXXX

XXXX

XXXX

Closed

2024-10-17 12:08

2024-11-06 20:36

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open- - Due Diligence Vendor-10/30/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/17/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2619558

N/A

N/A

XXXX

20250906055

XXXX

XXXX

XXXX

Closed

2024-10-17 11:33

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619254

Investor Post-Close

No

XXXX

20250906055

XXXX

XXXX

XXXX

Closed

2024-10-17 12:48

2024-10-29 15:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619912

Investor Post-Close

No

XXXX

20250906034

XXXX

XXXX

XXXX

Closed

2024-10-17 19:23

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625642

Investor Post-Close

No

XXXX

20250906034

XXXX

XXXX

XXXX

Closed

2024-10-17 20:24

2024-10-18 12:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2626425

Investor Post-Close

No

XXXX

20250905800

XXXX

XXXX

XXXX

Closed

2024-10-18 13:54

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630911

Investor Post-Close

No

XXXX

20250905800

XXXX

XXXX

XXXX

Closed

2024-10-19 13:55

2024-10-19 13:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639168

Investor Post-Close

No

XXXX

20250905758

XXXX

XXXX

XXXX

Closed

2024-10-16 11:08

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2608351

Investor Post-Close

No

XXXX

20250906173

XXXX

XXXX

XXXX

Closed

2024-10-19 10:13

2024-11-05 13:27

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/19/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638430

N/A

N/A

XXXX

20250906173

XXXX

XXXX

XXXX

Closed

2024-10-18 13:23

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2630568

Investor Post-Close

No

XXXX

20250906173

XXXX

XXXX

XXXX

Closed

2024-10-19 10:31

2024-10-19 10:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638504

Investor Post-Close

No

XXXX

20250905876

XXXX

XXXX

XXXX

Closed

2024-10-18 16:19

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632886

Investor Post-Close

No

XXXX

20250905876

XXXX

XXXX

XXXX

Closed

2024-10-18 16:57

2024-10-21 01:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633415

Investor Post-Close

No

XXXX

20250906027

XXXX

XXXX

XXXX

Closed

2024-10-18 12:14

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629819

Investor Post-Close

No

XXXX

20250906027

XXXX

XXXX

XXXX

Closed

2024-10-19 08:10

2024-10-19 08:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638148

Investor Post-Close

No

XXXX

20250905934

XXXX

XXXX

XXXX

Closed

2024-10-17 18:19

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624732

Investor Post-Close

No

XXXX

20250905934

XXXX

XXXX

XXXX

Closed

2024-10-18 09:15

2024-10-18 18:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2628925

Investor Post-Close

No

XXXX

20250905584

XXXX

XXXX

XXXX

Closed

2024-10-17 16:42

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623465

Investor Post-Close

No

XXXX

20250905584

XXXX

XXXX

XXXX

Closed

2024-10-17 17:20

2024-10-29 14:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623943

Investor Post-Close

No

XXXX

20250905806

XXXX

XXXX

XXXX

Closed

2024-10-18 12:37

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2630060

Investor Post-Close

No

XXXX

20250905806

XXXX

XXXX

XXXX

Closed

2024-10-18 13:46

2024-10-18 13:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2630825

Investor Post-Close

No

XXXX

20250906101

XXXX

XXXX

XXXX

Closed

2024-10-18 15:04

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2631789

Investor Post-Close

No

XXXX

20250906101

XXXX

XXXX

XXXX

Closed

2024-10-18 15:47

2024-10-18 15:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632482

Investor Post-Close

No

XXXX

20250905632

XXXX

XXXX

XXXX

Closed

2024-10-17 12:19

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2619652

Investor Post-Close

No

XXXX

20250905632

XXXX

XXXX

XXXX

Closed

2024-10-17 13:04

2024-10-18 15:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2620161

Investor Post-Close

No

XXXX

20250905672

XXXX

XXXX

XXXX

Closed

2024-10-20 09:44

2024-11-05 13:29

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Escalated - Due Diligence Vendor-10/20/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641209

N/A

N/A

XXXX

20250905672

XXXX

XXXX

XXXX

Closed

2024-10-20 09:32

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing .This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641185

Investor Post-Close

No

XXXX

20250905672

XXXX

XXXX

XXXX

Closed

2024-10-20 09:55

2024-10-21 12:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641223

Investor Post-Close

No

XXXX

20250905626

XXXX

XXXX

XXXX

Closed

2024-10-18 13:16

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2630489

Investor Post-Close

No

XXXX

20250905626

XXXX

XXXX

XXXX

Closed

2024-10-18 13:58

2024-10-28 12:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. his finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. his finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2630953

Investor Post-Close

No

XXXX

20250906213

XXXX

XXXX

XXXX

Closed

2024-10-18 17:37

2024-10-31 14:31

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024 Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024 Open-The loan file is missing a Post Close CD. The subject property is located in a dry funding state and the fees on the Final HUD-1 are not consistent with the CD signed at close. - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024

Final disbursement ledger and mss.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2634009

N/A

N/A

XXXX

20250906213

XXXX

XXXX

XXXX

Closed

2024-10-18 15:16

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632100

Investor Post-Close

No

XXXX

20250906213

XXXX

XXXX

XXXX

Closed

2024-10-18 17:35

2024-10-24 16:47

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Lender indicated the new debt referenced in the credit inquiry letter was reported on the credit report.  Further analysis confirmed the new account was reported with an open date XX/XX/XXXX which was a result of the inquiry dated XX/XX/XXXX.  Condition cleared.   - Due Diligence Vendor-10/24/2024 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/24/2024 Ready for Review-Per credit area - credit report in the file account was opened on XX/XXXX and is listed as paid as agreed with a zero payment and zero balance.  - Seller-10/24/2024 Open-Borrower 1 Gap Credit Report is Missing Documentation in file indicates a new debt was opened as the result of a credit inquiry. A gap credit report is required to verify the details of this new debt. - Due Diligence Vendor-10/18/2024

Ready for Review-Per credit area - credit report in the file account was opened on XX/XXXX and is listed as paid as agreed with a zero payment and zero balance.  - Seller-10/24/2024

Resolved-Lender indicated the new debt referenced in the credit inquiry letter was reported on the credit report.  Further analysis confirmed the new account was reported with an open date XX/XXXX which was a result of the inquiry dated XX/XX/XXXX.  Condition cleared.   - Due Diligence Vendor-10/24/2024  Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2633986

N/A

N/A

XXXX

20250906213

XXXX

XXXX

XXXX

Closed

2024-10-18 15:59

2024-10-18 15:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632640

Investor Post-Close

No

XXXX

20250905932

XXXX

XXXX

XXXX

Closed

2024-10-18 15:25

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632194

Investor Post-Close

No

XXXX

20250905932

XXXX

XXXX

XXXX

Closed

2024-10-18 16:25

2024-10-18 16:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632967

Investor Post-Close

No

XXXX

20250906131

XXXX

XXXX

XXXX

Closed

2024-10-18 13:02

2024-11-06 21:12

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/18/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2630334

N/A

N/A

XXXX

20250906131

XXXX

XXXX

XXXX

Closed

2024-10-18 12:40

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630073

Investor Post-Close

No

XXXX

20250906131

XXXX

XXXX

XXXX

Closed

2024-10-18 13:26

2024-10-18 13:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630588

Investor Post-Close

No

XXXX

20250905939

XXXX

XXXX

XXXX

Closed

2024-10-18 17:44

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634112

Investor Post-Close

No

XXXX

20250905939

XXXX

XXXX

XXXX

Closed

2024-10-18 18:44

2024-10-21 16:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634862

Investor Post-Close

No

XXXX

20250906194

XXXX

XXXX

XXXX

Closed

2024-10-18 14:54

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2631619

Investor Post-Close

No

XXXX

20250906030

XXXX

XXXX

XXXX

Closed

2024-10-18 14:46

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2631505

Investor Post-Close

No

XXXX

20250906030

XXXX

XXXX

XXXX

Closed

2024-10-18 15:47

2024-10-18 15:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2632480

Investor Post-Close

No

XXXX

20250905774

XXXX

XXXX

XXXX

Closed

2024-10-17 19:36

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625818

Investor Post-Close

No

XXXX

20250905774

XXXX

XXXX

XXXX

Closed

2024-10-17 20:01

2024-10-18 16:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2626134

Originator Post-Close

No

XXXX

20250906060

XXXX

XXXX

XXXX

Closed

2024-10-18 13:12

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2630448

Investor Post-Close

No

XXXX

20250906060

XXXX

XXXX

XXXX

Closed

2024-10-18 13:19

2024-10-18 13:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2630525

Investor Post-Close

No

XXXX

20250905842

XXXX

XXXX

XXXX

Closed

2024-10-17 20:03

2024-11-19 19:04

Resolved

1 - Information

Compliance

Rescission:Variance

Federal - Right of Rescission Variance Failure (TILA)

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Ready for Review-Received RTC form with new cancellation period. Unable to resolve until the new RTC expires. Condition remains in Ready to Review status. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. new midnight of date XX/XX/XXXX, uploaded letter, RTC and tracking - Seller-11/13/2024 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of (XX/XX/XXXX) with an expiration date of (XX/XX/XXXX). The loan disbursed on (XX/XX/XXXX) per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. new midnight of date XX/XX/XXXX, uploaded letter, RTC and tracking - Seller-11/13/2024

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2626168

N/A

N/A

XXXX

20250905842

XXXX

XXXX

XXXX

Closed

2024-10-17 19:58

2024-11-19 19:04

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Ready for Review-Received RTC form with new cancellation period. Unable to resolve until the new RTC expires. Condition remains in Ready to Review status. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. new midnight of XX/XX/XXXX, uploaded letter, RTC and tracking - Seller-11/13/2024 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of (XX/XX/XXXX) with an expiration date of (XX/XX/XXXX). The loan disbursed on (XX/XX/XXXX) per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. new midnight of date XX/XX/XXXX, uploaded letter, RTC and tracking - Seller-11/13/2024

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2626112

N/A

N/A

XXXX

20250905842

XXXX

XXXX

XXXX

Closed

2024-10-17 18:56

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625276

Investor Post-Close

No

XXXX

20250905842

XXXX

XXXX

XXXX

Closed

2024-10-17 20:30

2024-10-29 12:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2626507

Investor Post-Close

No

XXXX

20250906036

XXXX

XXXX

XXXX

Closed

2024-10-18 15:00

2024-11-19 19:09

Resolved

1 - Information

Compliance

Rescission:Variance

Federal - Right of Rescission Variance Failure (TILA)

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Ready for Review-Received RTC form with new cancellation period. Unable to resolve until the new RTC expires. Condition remains in Ready to Review status. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. new midnight of date XX/XX/XXXX, uploaded letter, RTC and tracking - Seller-11/13/2024 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of (XX/XX/XXXX) with an expiration date of (XX/XX/XXXX). The loan disbursed on (XX/XX/XXXX) per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. new midnight of date XX/XX/XXXX, uploaded letter, RTC and tracking - Seller-11/13/2024

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2631704

N/A

N/A

XXXX

20250906036

XXXX

XXXX

XXXX

Closed

2024-10-18 14:41

2024-11-19 19:09

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Ready for Review-Received RTC form with new cancellation period. Unable to resolve until the new RTC expires. Condition remains in Ready to Review status. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. new midnight of date XX/XX/XXXX, uploaded letter, RTC and tracking - Seller-11/13/2024 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) . - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. new midnight of date XX/XX/XXXX, uploaded letter, RTC and tracking - Seller-11/13/2024

Resolved-Lender provided RTC with new cancellation period that has now expired.  Condition cleared.   - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2631415

N/A

N/A

XXXX

20250906036

XXXX

XXXX

XXXX

Closed

2024-10-18 13:57

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630944

Investor Post-Close

No

XXXX

20250906036

XXXX

XXXX

XXXX

Closed

2024-10-18 14:48

2024-10-18 14:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2631541

Investor Post-Close

No

XXXX

20250905625

XXXX

XXXX

XXXX

Closed

2024-10-17 19:18

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625585

Investor Post-Close

No

XXXX

20250905625

XXXX

XXXX

XXXX

Closed

2024-10-17 19:41

2024-10-18 11:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625868

Investor Post-Close

No

XXXX

20250905877

XXXX

XXXX

XXXX

Closed

2024-10-17 18:40

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EVB.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625054

Investor Post-Close

No

XXXX

20250905877

XXXX

XXXX

XXXX

Closed

2024-10-17 19:10

2024-10-30 15:26

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Open-Subject property is in recent disaster area and there is no post incident inspection. - Due Diligence Vendor-10/17/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625487

N/A

N/A

XXXX

20250905877

XXXX

XXXX

XXXX

Closed

2024-10-17 19:03

2024-10-18 12:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625392

Investor Post-Close

No

XXXX

20250905713

XXXX

XXXX

XXXX

Closed

2024-10-20 06:48

2024-11-05 13:30

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/20/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2640907

N/A

N/A

XXXX

20250905713

XXXX

XXXX

XXXX

Closed

2024-10-20 06:34

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640883

Investor Post-Close

No

XXXX

20250905713

XXXX

XXXX

XXXX

Closed

2024-10-20 07:00

2024-10-22 15:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640925

Investor Post-Close

No

XXXX

20250905875

XXXX

XXXX

XXXX

Closed

2024-10-20 07:46

2024-11-05 13:35

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/20/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641014

N/A

N/A

XXXX

20250905875

XXXX

XXXX

XXXX

Closed

2024-10-20 07:31

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640984

Investor Post-Close

No

XXXX

20250905875

XXXX

XXXX

XXXX

Closed

2024-10-20 07:54

2024-10-22 15:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641032

Investor Post-Close

No

XXXX

20250905650

XXXX

XXXX

XXXX

Closed

2024-10-21 15:21

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2647312

Investor Post-Close

No

XXXX

20250905650

XXXX

XXXX

XXXX

Closed

2024-10-21 17:07

2024-10-21 17:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2648654

Investor Post-Close

No

XXXX

20250905913

XXXX

XXXX

XXXX

Closed

2024-10-20 17:30

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642332

Investor Post-Close

No

XXXX

20250905913

XXXX

XXXX

XXXX

Closed

2024-10-20 18:16

2024-10-21 20:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642465

Originator Post-Close

No

XXXX

20250905709

XXXX

XXXX

XXXX

Closed

2024-10-17 18:39

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625024

Investor Post-Close

No

XXXX

20250905709

XXXX

XXXX

XXXX

Closed

2024-10-17 19:11

2024-10-18 12:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625508

Investor Post-Close

No

XXXX

20250906039

XXXX

XXXX

XXXX

Closed

2024-10-17 19:26

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625669

Investor Post-Close

No

XXXX

20250906039

XXXX

XXXX

XXXX

Closed

2024-10-17 19:50

2024-10-18 13:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2626001

Investor Post-Close

No

XXXX

20250905595

XXXX

XXXX

XXXX

Closed

2024-10-21 17:22

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2648841

Investor Post-Close

No

XXXX

20250905595

XXXX

XXXX

XXXX

Closed

2024-10-21 17:40

2024-10-21 17:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649097

Investor Post-Close

No

XXXX

20250906003

XXXX

XXXX

XXXX

Closed

2024-10-20 10:56

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing  This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641339

Investor Post-Close

No

XXXX

20250906003

XXXX

XXXX

XXXX

Closed

2024-10-21 19:21

2024-10-21 19:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650326

Investor Post-Close

No

XXXX

20250905718

XXXX

XXXX

XXXX

Closed

2024-10-18 08:44

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2628824

Investor Post-Close

No

XXXX

20250905718

XXXX

XXXX

XXXX

Closed

2024-10-18 09:15

2024-10-18 12:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2628924

Investor Post-Close

No

XXXX

20250906085

XXXX

XXXX

XXXX

Closed

2024-10-17 18:22

2024-10-31 16:47

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/31/2024 Resolved-Post incident inspection provided.  No damage Noted. - Due Diligence Vendor-10/31/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/17/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/31/2024  Resolved-Post incident inspection provided.  No damage Noted. - Due Diligence Vendor-10/31/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2624782

N/A

N/A

XXXX

20250906085

XXXX

XXXX

XXXX

Closed

2024-10-17 18:10

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624617

Investor Post-Close

No

XXXX

20250906085

XXXX

XXXX

XXXX

Closed

2024-10-17 18:31

2024-10-20 17:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624919

Originator Post-Close

No

XXXX

20250905995

XXXX

XXXX

XXXX

Closed

2024-10-18 12:15

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629823

Investor Post-Close

No

XXXX

20250905995

XXXX

XXXX

XXXX

Closed

2024-10-18 12:40

2024-10-18 12:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630086

Investor Post-Close

No

XXXX

20250905652

XXXX

XXXX

XXXX

Closed

2024-10-17 17:41

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624241

Investor Post-Close

No

XXXX

20250905652

XXXX

XXXX

XXXX

Closed

2024-10-17 17:30

2024-10-18 12:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2624082

Investor Post-Close

No

XXXX

20250905592

XXXX

XXXX

XXXX

Closed

2024-10-18 21:22

2024-11-11 20:16

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided a PC VVOE. ATR Finding resolved. - Due Diligence Vendor-11/11/2024 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/11/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-11/11/2024 Resolved-Lender provided a PC VVOE.  ATR Finding resolved. - Due Diligence Vendor-11/11/2024 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. PC VVOEs uploaded  - Please escalate to XX - Seller-11/09/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. PC VVOEs uploaded  - Please escalate to XX - Seller-11/09/2024

Resolved-Lender provided a PC VVOE. ATR Finding resolved. - Due Diligence Vendor-11/11/2024  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/11/2024  Resolved-Lender provided a PC VVOE.  ATR Finding resolved. - Due Diligence Vendor-11/11/2024  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/11/2024

VVOE1.pdf VVOE.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2636815

N/A

N/A

XXXX

20250905592

XXXX

XXXX

XXXX

Closed

2024-10-18 21:22

2024-11-11 20:09

Cured

2 - Non-Material

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Cured-The lender provided a post consummation verification of employment for the borrower. Finding is deemed non-material and will be rated a B. - Due Diligence Vendor-11/11/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. uploaded VVOEs PC, please escalate to XX - Seller-11/09/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. PC VVOEs uploaded  - Please escalate to XX - Seller-11/09/2024

Cured-The lender provided a post consummation verification of employment for the borrower. Finding is deemed non-material and will be rated a B. - Due Diligence Vendor-11/11/2024

VVOE.pdf VVOE1.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2636814

N/A

N/A

XXXX

20250905592

XXXX

XXXX

XXXX

Closed

2024-10-18 21:26

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636864

Investor Post-Close

No

XXXX

20250905592

XXXX

XXXX

XXXX

Closed

2024-10-18 22:05

2024-10-21 15:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637188

Investor Post-Close

No

XXXX

20250905915

XXXX

XXXX

XXXX

Closed

2024-10-19 07:03

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638005

Investor Post-Close

No

XXXX

20250905915

XXXX

XXXX

XXXX

Closed

2024-10-19 07:39

2024-10-19 07:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638088

Investor Post-Close

No

XXXX

20250905633

XXXX

XXXX

XXXX

Closed

2024-10-16 10:02

2024-11-06 20:29

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/16/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607999

N/A

N/A

XXXX

20250905633

XXXX

XXXX

XXXX

Closed

2024-10-16 09:25

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2607876

Investor Post-Close

No

XXXX

20250905633

XXXX

XXXX

XXXX

Closed

2024-10-16 11:07

2024-10-18 12:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2608337

Investor Post-Close

No

XXXX

20250906129

XXXX

XXXX

XXXX

Closed

2024-10-21 17:23

2024-11-05 13:37

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/21/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2648851

N/A

N/A

XXXX

20250906129

XXXX

XXXX

XXXX

Closed

2024-10-20 14:09

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641851

Investor Post-Close

No

XXXX

20250906129

XXXX

XXXX

XXXX

Closed

2024-10-21 17:36

2024-10-21 17:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649033

Investor Post-Close

No

XXXX

20250905851

XXXX

XXXX

XXXX

Closed

2024-10-17 10:12

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2618882

Investor Post-Close

No

XXXX

20250905851

XXXX

XXXX

XXXX

Closed

2024-10-17 10:40

2024-10-21 20:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2618985

Investor Post-Close

No

XXXX

20250905918

XXXX

XXXX

XXXX

Closed

2024-10-21 11:31

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644525

Investor Post-Close

No

XXXX

20250905918

XXXX

XXXX

XXXX

Closed

2024-10-22 18:28

2024-10-22 18:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658680

Investor Post-Close

No

XXXX

20250905893

XXXX

XXXX

XXXX

Closed

2024-10-17 19:02

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625375

Investor Post-Close

No

XXXX

20250905893

XXXX

XXXX

XXXX

Closed

2024-10-18 19:51

2024-10-18 19:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635768

Investor Post-Close

No

XXXX

20250906029

XXXX

XXXX

XXXX

Closed

2024-10-22 17:33

2024-11-06 23:45

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/22/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2657985

N/A

N/A

XXXX

20250906029

XXXX

XXXX

XXXX

Closed

2024-10-21 15:18

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647273

Investor Post-Close

No

XXXX

20250906029

XXXX

XXXX

XXXX

Closed

2024-10-22 17:48

2024-10-22 17:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658200

Investor Post-Close

No

XXXX

20250905638

XXXX

XXXX

XXXX

Closed

2024-10-20 09:54

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641220

Investor Post-Close

No

XXXX

20250905638

XXXX

XXXX

XXXX

Closed

2024-10-20 10:37

2024-10-20 10:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641306

Investor Post-Close

No

XXXX

20250905764

XXXX

XXXX

XXXX

Closed

2024-10-19 10:20

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638460

Investor Post-Close

No

XXXX

20250905764

XXXX

XXXX

XXXX

Closed

2024-10-21 19:31

2024-10-21 19:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650449

Investor Post-Close

No

XXXX

20250905747

XXXX

XXXX

XXXX

Closed

2024-10-19 12:00

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638753

Investor Post-Close

No

XXXX

20250905747

XXXX

XXXX

XXXX

Closed

2024-10-22 10:29

2024-10-22 10:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653180

Investor Post-Close

No

XXXX

20250905621

XXXX

XXXX

XXXX

Closed

2024-10-19 13:01

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638969

Investor Post-Close

No

XXXX

20250905621

XXXX

XXXX

XXXX

Closed

2024-10-21 18:59

2024-10-24 14:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2650046

Investor Post-Close

No

XXXX

20250905605

XXXX

XXXX

XXXX

Closed

2024-10-20 10:22

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641279

Investor Post-Close

No

XXXX

20250905605

XXXX

XXXX

XXXX

Closed

2024-10-20 11:23

2024-10-20 11:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641406

Investor Post-Close

No

XXXX

20250905673

XXXX

XXXX

XXXX

Closed

2024-10-20 14:11

2024-10-20 14:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641856

Investor Post-Close

No

XXXX

20250905574

XXXX

XXXX

XXXX

Closed

2024-10-20 08:37

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641082

Investor Post-Close

No

XXXX

20250905574

XXXX

XXXX

XXXX

Closed

2024-10-20 08:53

2024-10-22 19:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641114

Investor Post-Close

No

XXXX

20250906019

XXXX

XXXX

XXXX

Closed

2024-10-21 18:03

2024-11-06 23:49

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/21/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2649391

N/A

N/A

XXXX

20250906019

XXXX

XXXX

XXXX

Closed

2024-10-20 10:34

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641301

Investor Post-Close

No

XXXX

20250906019

XXXX

XXXX

XXXX

Closed

2024-10-21 17:52

2024-10-21 18:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649266

Investor Post-Close

No

XXXX

20250905822

XXXX

XXXX

XXXX

Closed

2024-10-20 12:07

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641502

Investor Post-Close

No

XXXX

20250905822

XXXX

XXXX

XXXX

Closed

2024-10-20 12:06

2024-10-20 12:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641499

Investor Post-Close

No

XXXX

20250906163

XXXX

XXXX

XXXX

Closed

2024-10-17 13:46

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing , this finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2620631

Investor Post-Close

No

XXXX

20250906163

XXXX

XXXX

XXXX

Closed

2024-10-17 17:16

2024-10-18 11:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2623905

Investor Post-Close

No

XXXX

20250906169

XXXX

XXXX

XXXX

Closed

2024-10-18 19:56

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635816

Investor Post-Close

No

XXXX

20250906169

XXXX

XXXX

XXXX

Closed

2024-10-18 20:34

2024-10-18 20:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636285

Investor Post-Close

No

XXXX

20250905904

XXXX

XXXX

XXXX

Closed

2024-10-18 17:50

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634192

Investor Post-Close

No

XXXX

20250905904

XXXX

XXXX

XXXX

Closed

2024-10-21 15:29

2024-10-21 15:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647415

Investor Post-Close

No

XXXX

20250906212

XXXX

XXXX

XXXX

Closed

2024-10-21 14:31

2024-11-05 17:03

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/21/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2646473

N/A

N/A

XXXX

20250906212

XXXX

XXXX

XXXX

Closed

2024-10-18 16:25

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632961

Investor Post-Close

No

XXXX

20250906210

XXXX

XXXX

XXXX

Closed

2024-10-19 21:01

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640266

Investor Post-Close

No

XXXX

20250906210

XXXX

XXXX

XXXX

Closed

2024-10-19 22:27

2024-10-28 22:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640364

Investor Post-Close

No

XXXX

20250905846

XXXX

XXXX

XXXX

Closed

2024-10-18 21:14

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.    - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636703

Investor Post-Close

No

XXXX

20250905846

XXXX

XXXX

XXXX

Closed

2024-10-18 21:58

2024-10-18 21:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637133

Investor Post-Close

No

XXXX

20250905736

XXXX

XXXX

XXXX

Closed

2024-10-17 19:48

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing, this finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2625988

Investor Post-Close

No

XXXX

20250905736

XXXX

XXXX

XXXX

Closed

2024-10-17 20:19

2024-10-18 11:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2626344

Investor Post-Close

No

XXXX

20250906004

XXXX

XXXX

XXXX

Closed

2024-10-18 20:17

2024-11-15 13:33

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/15/2024 Ready for Review-From Post Close area - The package on XX/XX/XXXX contains initial instructions and balancing CD to title company.  The borrower did not receive this CD.  The initial CD was disclosed to the borrower on 5/30 and acknowledged receipt on 5/30.  - Seller-11/13/2024 Counter-Lender provided Disclosure Tracking Details.  Page 5 of 9 is for the XX/XX/XXXX CD and does not indicate the document was received by the borrower.  The “Received Method” indicates “None” and the actual received date is blank.  Condition remains.   - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Please see disclosure tracking. - Seller-10/28/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX  with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure.  - Due Diligence Vendor-10/18/2024

Ready for Review-From Post Close area - The package on XX/XX/XXXX contains initial instructions and balancing CD to title company.  The borrower did not receive this CD.  The initial CD was disclosed to the borrower on XX/XX/XXXX and acknowledged receipt on XX/XX/XXXX.  - Seller-11/13/2024  Ready for Review-Document Uploaded. Please see disclosure tracking. - Seller-10/28/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/15/2024

disclosure tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2636092

N/A

N/A

XXXX

20250906004

XXXX

XXXX

XXXX

Closed

2024-10-18 19:48

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2635735

Investor Post-Close

No

XXXX

20250906004

XXXX

XXXX

XXXX

Closed

2024-10-18 20:23

2024-10-18 20:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2636175

Investor Post-Close

No

XXXX

20250906016

XXXX

XXXX

XXXX

Closed

2024-10-26 00:33

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687665

Investor Post-Close

No

XXXX

20250906016

XXXX

XXXX

XXXX

Closed

2024-10-26 01:12

2024-10-26 01:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687680

Investor Post-Close

No

XXXX

20250905849

XXXX

XXXX

XXXX

Closed

2024-10-21 12:30

2024-11-05 13:38

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/21/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2645045

N/A

N/A

XXXX

20250905849

XXXX

XXXX

XXXX

Closed

2024-10-21 12:09

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644817

Investor Post-Close

No

XXXX

20250905849

XXXX

XXXX

XXXX

Closed

2024-10-21 12:59

2024-10-21 12:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645313

Investor Post-Close

No

XXXX

20250905602

XXXX

XXXX

XXXX

Closed

2024-10-30 18:51

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2715759

Investor Post-Close

No

XXXX

20250905602

XXXX

XXXX

XXXX

Closed

2024-10-30 20:08

2024-10-30 20:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2716660

Investor Post-Close

No

XXXX

20250905744

XXXX

XXXX

XXXX

Closed

2024-10-19 09:52

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638355

Investor Post-Close

No

XXXX

20250905744

XXXX

XXXX

XXXX

Closed

2024-10-19 10:23

2024-10-19 10:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638478

Investor Post-Close

No

XXXX

20250905771

XXXX

XXXX

XXXX

Closed

2024-10-18 20:05

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635960

Investor Post-Close

No

XXXX

20250905771

XXXX

XXXX

XXXX

Closed

2024-10-18 21:03

2024-10-18 21:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636614

Investor Post-Close

No

XXXX

20250906201

XXXX

XXXX

XXXX

Closed

2024-10-19 11:20

2024-11-05 13:38

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/21/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2638627

N/A

N/A

XXXX

20250906201

XXXX

XXXX

XXXX

Closed

2024-10-19 10:20

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638459

Investor Post-Close

No

XXXX

20250906201

XXXX

XXXX

XXXX

Closed

2024-10-19 11:51

2024-10-19 11:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638716

Investor Post-Close

No

XXXX

20250905679

XXXX

XXXX

XXXX

Closed

2024-10-21 19:13

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650237

Investor Post-Close

No

XXXX

20250905679

XXXX

XXXX

XXXX

Closed

2024-10-21 19:47

2024-10-21 19:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650652

Investor Post-Close

No

XXXX

20250905971

XXXX

XXXX

XXXX

Closed

2024-10-21 20:35

2024-11-06 21:37

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open- - Due Diligence Vendor-10/30/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/21/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2651132

N/A

N/A

XXXX

20250905971

XXXX

XXXX

XXXX

Closed

2024-10-21 20:53

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2651265

Investor Post-Close

No

XXXX

20250905971

XXXX

XXXX

XXXX

Closed

2024-10-21 20:57

2024-10-21 20:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2651296

Investor Post-Close

No

XXXX

20250905870

XXXX

XXXX

XXXX

Closed

2024-10-19 07:22

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638041

Investor Post-Close

No

XXXX

20250905870

XXXX

XXXX

XXXX

Closed

2024-10-19 08:39

2024-10-19 08:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638175

Investor Post-Close

No

XXXX

20250906190

XXXX

XXXX

XXXX

Closed

2024-10-21 12:02

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2644765

Investor Post-Close

No

XXXX

20250906190

XXXX

XXXX

XXXX

Closed

2024-10-21 13:27

2024-10-21 13:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2645648

Investor Post-Close

No

XXXX

20250906064

XXXX

XXXX

XXXX

Closed

2024-10-28 16:07

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2695369

Investor Post-Close

No

XXXX

20250906064

XXXX

XXXX

XXXX

Closed

2024-10-28 16:49

2024-10-28 16:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2695889

Investor Post-Close

No

XXXX

20250905769

XXXX

XXXX

XXXX

Closed

2024-10-18 20:56

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636544

Investor Post-Close

No

XXXX

20250905769

XXXX

XXXX

XXXX

Closed

2024-10-18 21:51

2024-10-18 21:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637102

Investor Post-Close

No

XXXX

20250906051

XXXX

XXXX

XXXX

Closed

2024-10-18 12:19

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2629862

Investor Post-Close

No

XXXX

20250906051

XXXX

XXXX

XXXX

Closed

2024-10-18 19:13

2024-10-18 19:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635264

Investor Post-Close

No

XXXX

20250906140

XXXX

XXXX

XXXX

Closed

2024-10-18 19:37

2024-11-13 17:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635634

Investor Post-Close

No

XXXX

20250906140

XXXX

XXXX

XXXX

Closed

2024-10-18 18:52

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634964

Investor Post-Close

No

XXXX

20250906126

XXXX

XXXX

XXXX

Closed

2024-10-16 16:27

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2612654

Investor Post-Close

No

XXXX

20250906126

XXXX

XXXX

XXXX

Closed

2024-10-16 16:59

2024-10-17 18:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2613096

Originator Post-Close

No

XXXX

20250905819

XXXX

XXXX

XXXX

Closed

2024-10-22 19:52

2024-11-06 21:14

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open- - Due Diligence Vendor-10/31/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/22/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2659584

N/A

N/A

XXXX

20250905819

XXXX

XXXX

XXXX

Closed

2024-10-18 10:15

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EV2.   - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2629103

Investor Post-Close

No

XXXX

20250905819

XXXX

XXXX

XXXX

Closed

2024-10-22 20:09

2024-10-22 20:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2659797

Investor Post-Close

No

XXXX

20250906174

XXXX

XXXX

XXXX

Closed

2024-10-19 12:30

2024-11-15 14:02

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/15/2024 Resolved-ATR Risk - Employment validation/verification standards do not meet requirements Employment finding is non-material, ATR Failure finding is cleared. - Due Diligence Vendor-11/15/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. Please escalate to XX, this is a PC VVOE 3rd party showing borrower 2 is actively employed with same employer as at time of loan application and closing. - Seller-11/14/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 2 3rd Party VOE within 10 business days Prior to Close Missing - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. Please escalate to XX, this is a PC VVOE 3rd party showing borrower 2 is actively employed with same employer as at time of loan application and closing. - Seller-11/14/2024

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/15/2024  Resolved-ATR Risk - Employment validation/verification standards do not meet requirements Employment finding is non-material, ATR Failure finding is cleared. - Due Diligence Vendor-11/15/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2638853

N/A

N/A

XXXX

20250906174

XXXX

XXXX

XXXX

Closed

2024-10-19 12:30

2024-11-15 14:01

Cured

2 - Non-Material

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Cured-Borrower 2 3rd Party VOE Prior to Close Missing The lender provided a post consummation verification of employment for the co-borrower. Finding is deemed non-material and will be rated a B.  - Due Diligence Vendor-11/15/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. Please escalate to XX, this is a PC VVOE 3rd party showing borrower 2 is actively employed with same employer as at time of loan application and closing. - Seller-11/14/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE dated within 10 business days prior to Close Missing - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. Please escalate to XX, this is a PC VVOE 3rd party showing borrower 2 is actively employed with same employer as at time of loan application and closing. - Seller-11/14/2024

Cured-Borrower 2 3rd Party VOE Prior to Close Missing The lender provided a post consummation verification of employment for the co-borrower. Finding is deemed non-material and will be rated a B.  - Due Diligence Vendor-11/15/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2638852

N/A

N/A

XXXX

20250906174

XXXX

XXXX

XXXX

Closed

2024-10-19 12:54

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638946

Investor Post-Close

No

XXXX

20250906174

XXXX

XXXX

XXXX

Closed

2024-10-19 14:05

2024-10-19 14:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639197

Investor Post-Close

No

XXXX

20250905988

XXXX

XXXX

XXXX

Closed

2024-10-19 17:53

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639826

Investor Post-Close

No

XXXX

20250905988

XXXX

XXXX

XXXX

Closed

2024-10-19 19:04

2024-10-19 19:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640091

Investor Post-Close

No

XXXX

20250905976

XXXX

XXXX

XXXX

Closed

2024-10-17 18:05

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2624550

Investor Post-Close

No

XXXX

20250905976

XXXX

XXXX

XXXX

Closed

2024-10-17 18:50

2024-10-18 11:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625181

Investor Post-Close

No

XXXX

20250905763

XXXX

XXXX

XXXX

Closed

2024-10-19 08:10

2024-11-06 20:57

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open- - Due Diligence Vendor-10/30/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/19/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638151

N/A

N/A

XXXX

20250905763

XXXX

XXXX

XXXX

Closed

2024-10-17 18:56

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2625293

Investor Post-Close

No

XXXX

20250905763

XXXX

XXXX

XXXX

Closed

2024-10-19 08:07

2024-10-19 08:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638140

Investor Post-Close

No

XXXX

20250905578

XXXX

XXXX

XXXX

Closed

2024-10-18 22:03

2024-11-07 20:44

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/18/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2637166

N/A

N/A

XXXX

20250905578

XXXX

XXXX

XXXX

Closed

2024-10-18 22:04

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637176

Investor Post-Close

No

XXXX

20250905578

XXXX

XXXX

XXXX

Closed

2024-10-18 22:02

2024-10-18 22:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637162

Investor Post-Close

No

XXXX

20250905985

XXXX

XXXX

XXXX

Closed

2024-10-18 15:33

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2632283

Investor Post-Close

No

XXXX

20250905985

XXXX

XXXX

XXXX

Closed

2024-10-18 16:50

2024-10-18 16:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633318

Investor Post-Close

No

XXXX

20250905710

XXXX

XXXX

XXXX

Closed

2024-10-18 23:42

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637409

Investor Post-Close

No

XXXX

20250905710

XXXX

XXXX

XXXX

Closed

2024-10-19 13:57

2024-10-19 13:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639177

Investor Post-Close

No

XXXX

20250906134

XXXX

XXXX

XXXX

Closed

2024-10-21 13:42

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645850

Investor Post-Close

No

XXXX

20250906134

XXXX

XXXX

XXXX

Closed

2024-10-21 13:44

2024-10-21 13:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645867

Investor Post-Close

No

XXXX

20250905810

XXXX

XXXX

XXXX

Closed

2024-10-19 18:25

2024-11-06 21:41

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/19/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639934

N/A

N/A

XXXX

20250905810

XXXX

XXXX

XXXX

Closed

2024-10-19 15:04

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639355

Investor Post-Close

No

XXXX

20250905810

XXXX

XXXX

XXXX

Closed

2024-10-19 19:26

2024-10-19 19:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640133

Investor Post-Close

No

XXXX

20250905781

XXXX

XXXX

XXXX

Closed

2024-10-26 17:30

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689240

Investor Post-Close

No

XXXX

20250905781

XXXX

XXXX

XXXX

Closed

2024-10-26 17:55

2024-10-26 17:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689285

Investor Post-Close

No

XXXX

20250905973

XXXX

XXXX

XXXX

Closed

2024-10-18 21:30

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636925

Investor Post-Close

No

XXXX

20250905973

XXXX

XXXX

XXXX

Closed

2024-10-18 22:07

2024-10-18 22:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637197

Investor Post-Close

No

XXXX

20250906156

XXXX

XXXX

XXXX

Closed

2024-10-21 12:10

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644820

Investor Post-Close

No

XXXX

20250906156

XXXX

XXXX

XXXX

Closed

2024-10-21 12:57

2024-10-21 12:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645293

Investor Post-Close

No

XXXX

20250905812

XXXX

XXXX

XXXX

Closed

2024-10-18 21:23

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2636831

Investor Post-Close

No

XXXX

20250905812

XXXX

XXXX

XXXX

Closed

2024-10-18 21:47

2024-10-18 21:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2637063

Investor Post-Close

No

XXXX

20250905738

XXXX

XXXX

XXXX

Closed

2024-10-21 15:21

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647311

Investor Post-Close

No

XXXX

20250905738

XXXX

XXXX

XXXX

Closed

2024-10-21 15:49

2024-10-21 15:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647682

Investor Post-Close

No

XXXX

20250906065

XXXX

XXXX

XXXX

Closed

2024-10-18 22:10

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637211

Investor Post-Close

No

XXXX

20250906065

XXXX

XXXX

XXXX

Closed

2024-10-23 16:44

2024-10-23 16:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666330

Originator Post-Close

No

XXXX

20250905829

XXXX

XXXX

XXXX

Closed

2024-10-20 12:32

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641555

Investor Post-Close

No

XXXX

20250905829

XXXX

XXXX

XXXX

Closed

2024-10-20 13:26

2024-10-20 13:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641722

Investor Post-Close

No

XXXX

20250905690

XXXX

XXXX

XXXX

Closed

2024-10-20 14:35

2024-11-05 13:40

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection . - Due Diligence Vendor-10/20/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641926

N/A

N/A

XXXX

20250905690

XXXX

XXXX

XXXX

Closed

2024-10-18 23:14

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2637365

Investor Post-Close

No

XXXX

20250905690

XXXX

XXXX

XXXX

Closed

2024-10-20 17:14

2024-10-20 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2642292

Investor Post-Close

No

XXXX

20250906124

XXXX

XXXX

XXXX

Closed

2024-10-21 09:20

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643920

Investor Post-Close

No

XXXX

20250906124

XXXX

XXXX

XXXX

Closed

2024-10-21 09:59

2024-10-21 09:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644041

N/A

N/A

XXXX

20250906044

XXXX

XXXX

XXXX

Closed

2024-10-21 08:39

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643760

Investor Post-Close

No

XXXX

20250906044

XXXX

XXXX

XXXX

Closed

2024-10-21 09:25

2024-10-21 09:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643936

Investor Post-Close

No

XXXX

20250906048

XXXX

XXXX

XXXX

Closed

2024-10-28 11:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692454

Investor Post-Close

No

XXXX

20250906048

XXXX

XXXX

XXXX

Closed

2024-10-28 12:53

2024-10-28 12:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692978

Investor Post-Close

No

XXXX

20250905961

XXXX

XXXX

XXXX

Closed

2024-10-19 14:19

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639225

Investor Post-Close

No

XXXX

20250905961

XXXX

XXXX

XXXX

Closed

2024-10-19 15:14

2024-10-19 15:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639376

Investor Post-Close

No

XXXX

20250905996

XXXX

XXXX

XXXX

Closed

2024-10-17 14:52

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621475

Investor Post-Close

No

XXXX

20250905996

XXXX

XXXX

XXXX

Closed

2024-10-17 16:55

2024-10-18 11:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2623632

Investor Post-Close

No

XXXX

20250906180

XXXX

XXXX

XXXX

Closed

2024-10-19 12:05

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638768

Investor Post-Close

No

XXXX

20250906180

XXXX

XXXX

XXXX

Closed

2024-10-19 12:41

2024-10-19 12:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638886

Investor Post-Close

No

XXXX

20250906183

XXXX

XXXX

XXXX

Closed

2024-10-24 09:34

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2670890

Investor Post-Close

No

XXXX

20250906183

XXXX

XXXX

XXXX

Closed

2024-10-24 10:15

2024-10-24 10:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671046

Investor Post-Close

No

XXXX

20250905882

XXXX

XXXX

XXXX

Closed

2024-10-19 10:54

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638572

Investor Post-Close

No

XXXX

20250905882

XXXX

XXXX

XXXX

Closed

2024-10-19 11:32

2024-10-19 11:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638666

Investor Post-Close

No

XXXX

20250906076

XXXX

XXXX

XXXX

Closed

2024-10-17 14:32

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621257

Investor Post-Close

No

XXXX

20250906076

XXXX

XXXX

XXXX

Closed

2024-10-17 14:53

2024-10-18 01:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621512

Originator Post-Close

No

XXXX

20250905793

XXXX

XXXX

XXXX

Closed

2024-10-18 16:48

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633284

Investor Post-Close

No

XXXX

20250905793

XXXX

XXXX

XXXX

Closed

2024-10-18 17:17

2024-10-18 17:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633695

Investor Post-Close

No

XXXX

20250905887

XXXX

XXXX

XXXX

Closed

2024-10-19 15:01

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639336

Investor Post-Close

No

XXXX

20250905887

XXXX

XXXX

XXXX

Closed

2024-10-19 15:35

2024-10-19 15:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639433

Investor Post-Close

No

XXXX

20250905850

XXXX

XXXX

XXXX

Closed

2024-10-19 17:39

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639781

Investor Post-Close

No

XXXX

20250905850

XXXX

XXXX

XXXX

Closed

2024-10-19 18:35

2024-10-19 18:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639978

Investor Post-Close

No

XXXX

20250905677

XXXX

XXXX

XXXX

Closed

2024-10-18 19:21

2024-11-18 17:00

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Lender provided corrected RTC and evidence of delivery.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Ready for Review-My apologies, there was not a PCCD I copied a canned statement from a different loan inadvertently.  Only the RTC, letter and tracking - Seller-11/14/2024 Open- - Due Diligence Vendor-11/12/2024 Counter-Lender provided evidence of corrected NORTC and indicated a PCCD was uploaded.  PCCD was not found in the upload.  Please provide PCCD.  Condition remains.   - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. From PC area - Disagree - This was corrected by Closing  and recission was reopened to give the full 3 days.  PCCD and revised NORTC was uploaded  - Seller-11/11/2024 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary)  Right to Cancel provided in the loan file reflects a transaction date of (XX/XX/XXXX) with an expiration date of (XX/XX/XXXX). The loan disbursed on (XX/XX/XXXX) per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-10/18/2024

Ready for Review-My apologies, there was not a PCCD I copied a canned statement from a different loan inadvertently.  Only the RTC, letter and tracking - Seller-11/14/2024  Ready for Review-Document Uploaded. From PC area - Disagree - This was corrected by Closing  and recission was reopened to give the full 3 days.  PCCD and revised NORTC was uploaded  - Seller-11/11/2024

Resolved-Lender provided corrected RTC and evidence of delivery.  Condition cleared.   - Due Diligence Vendor-11/18/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2635382

N/A

N/A

XXXX

20250905677

XXXX

XXXX

XXXX

Closed

2024-10-18 18:36

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634783

Investor Post-Close

No

XXXX

20250905677

XXXX

XXXX

XXXX

Closed

2024-10-18 20:41

2024-10-18 20:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2636387

Investor Post-Close

No

XXXX

20250906052

XXXX

XXXX

XXXX

Closed

2024-10-19 10:20

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638461

Investor Post-Close

No

XXXX

20250906052

XXXX

XXXX

XXXX

Closed

2024-10-19 11:06

2024-10-19 11:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638594

Investor Post-Close

No

XXXX

20250905421

XXXX

XXXX

XXXX

Closed

2024-10-20 09:25

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641175

Investor Post-Close

No

XXXX

20250905421

XXXX

XXXX

XXXX

Closed

2024-10-20 09:41

2024-10-21 18:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641205

Investor Post-Close

No

XXXX

20250905111

XXXX

XXXX

XXXX

Closed

2024-10-19 13:05

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing  This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638990

Investor Post-Close

No

XXXX

20250905111

XXXX

XXXX

XXXX

Closed

2024-10-19 13:55

2024-10-19 13:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639167

Investor Post-Close

No

XXXX

20250905483

XXXX

XXXX

XXXX

Closed

2024-10-19 21:46

2024-11-06 14:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-11/06/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Please escalate to XX, an 8821 should be acceptable in lieu of the 4506 - Seller-11/02/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. Please escalate to XX, an 8821 should be acceptable in lieu of the 4506 - Seller-11/02/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-11/06/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024

XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2640310

N/A

N/A

XXXX

20250905483

XXXX

XXXX

XXXX

Closed

2024-10-19 22:16

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640337

Investor Post-Close

No

XXXX

20250905483

XXXX

XXXX

XXXX

Closed

2024-10-19 23:32

2024-10-19 23:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640404

Investor Post-Close

No

XXXX

20250905942

XXXX

XXXX

XXXX

Closed

2024-10-18 18:16

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634546

Investor Post-Close

No

XXXX

20250905942

XXXX

XXXX

XXXX

Closed

2024-10-18 19:29

2024-10-18 19:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635517

Investor Post-Close

No

XXXX

20250905299

XXXX

XXXX

XXXX

Closed

2024-10-19 16:43

2024-11-11 15:55

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/19/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639644

N/A

N/A

XXXX

20250905299

XXXX

XXXX

XXXX

Closed

2024-10-19 16:14

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639551

Investor Post-Close

No

XXXX

20250905299

XXXX

XXXX

XXXX

Closed

2024-10-19 16:40

2024-10-19 16:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639633

Investor Post-Close

No

XXXX

20250906087

XXXX

XXXX

XXXX

Closed

2024-10-18 18:39

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634802

Investor Post-Close

No

XXXX

20250905352

XXXX

XXXX

XXXX

Closed

2024-10-19 14:12

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639215

Investor Post-Close

No

XXXX

20250905352

XXXX

XXXX

XXXX

Closed

2024-10-19 14:02

2024-10-25 17:27

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. Please escalate to XX for consideration of downgrade.  Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released XX/XX/XXXX  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (XX/XX/XXXX).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information."  - Seller-10/24/2024 Open-Borrower 1 Executed 4506-T Missing Guidelines require a 4506-C to be signed at closing for all transactions. No 4506-C in file.  - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. Please escalate to XX for consideration of downgrade.  Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information."  - Seller-10/24/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024

XXXXXXXXXX 8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639188

N/A

N/A

XXXX

20250905352

XXXX

XXXX

XXXX

Closed

2024-10-19 14:59

2024-10-22 16:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639328

Investor Post-Close

No

XXXX

20250905688

XXXX

XXXX

XXXX

Closed

2024-10-23 15:46

2024-11-07 20:14

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open- - Due Diligence Vendor-10/31/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/23/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2665543

N/A

N/A

XXXX

20250905688

XXXX

XXXX

XXXX

Closed

2024-10-18 21:32

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2636945

Investor Post-Close

No

XXXX

20250905688

XXXX

XXXX

XXXX

Closed

2024-10-18 22:35

2024-10-18 22:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2637275

Investor Post-Close

No

XXXX

20250905788

XXXX

XXXX

XXXX

Closed

2024-10-19 10:17

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638451

Investor Post-Close

No

XXXX

20250905788

XXXX

XXXX

XXXX

Closed

2024-10-19 10:50

2024-10-19 10:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638558

Investor Post-Close

No

XXXX

20250905598

XXXX

XXXX

XXXX

Closed

2024-10-19 15:04

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639347

Investor Post-Close

No

XXXX

20250905598

XXXX

XXXX

XXXX

Closed

2024-10-19 15:39

2024-10-19 15:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639450

Investor Post-Close

No

XXXX

20250905132

XXXX

XXXX

XXXX

Closed

2024-10-19 13:49

2024-11-06 14:50

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided executed 8821.  Condition cleared.  - Due Diligence Vendor-11/06/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Please escalate to XX, an 8821 should be an acceptable document in lieu of 4506. - Seller-11/03/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. Please escalate to XX, an 8821 should be an acceptable document in lieu of 4506. - Seller-11/03/2024

Resolved-Lender provided executed 8821.  Condition cleared.  - Due Diligence Vendor-11/06/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024

8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639145

N/A

N/A

XXXX

20250905132

XXXX

XXXX

XXXX

Closed

2024-10-19 15:32

2024-11-05 17:18

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Open- - Due Diligence Vendor-10/31/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639422

N/A

N/A

XXXX

20250905132

XXXX

XXXX

XXXX

Closed

2024-10-19 14:31

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639257

Investor Post-Close

No

XXXX

20250905132

XXXX

XXXX

XXXX

Closed

2024-10-19 15:28

2024-10-19 15:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639406

Investor Post-Close

No

XXXX

20250905290

XXXX

XXXX

XXXX

Closed

2024-10-21 19:56

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650763

Investor Post-Close

No

XXXX

20250905290

XXXX

XXXX

XXXX

Closed

2024-10-21 20:26

2024-10-21 20:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2651051

Investor Post-Close

No

XXXX

20250905310

XXXX

XXXX

XXXX

Closed

2024-10-19 18:40

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639998

Investor Post-Close

No

XXXX

20250905310

XXXX

XXXX

XXXX

Closed

2024-10-19 19:15

2024-10-19 19:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640115

Investor Post-Close

No

XXXX

20250905396

XXXX

XXXX

XXXX

Closed

2024-10-20 06:20

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640865

Investor Post-Close

No

XXXX

20250905396

XXXX

XXXX

XXXX

Closed

2024-10-20 07:01

2024-10-20 07:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640926

Investor Post-Close

No

XXXX

20250905734

XXXX

XXXX

XXXX

Closed

2024-10-20 07:05

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing  This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640934

Investor Post-Close

No

XXXX

20250905734

XXXX

XXXX

XXXX

Closed

2024-10-20 07:39

2024-10-20 07:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641009

Investor Post-Close

No

XXXX

20250905693

XXXX

XXXX

XXXX

Closed

2024-10-19 09:24

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638251

Investor Post-Close

No

XXXX

20250905693

XXXX

XXXX

XXXX

Closed

2024-10-19 09:52

2024-10-19 09:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638354

Investor Post-Close

No

XXXX

20250905554

XXXX

XXXX

XXXX

Closed

2024-10-19 17:43

2024-10-30 17:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/30/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded correct 8821. Thank you. - Seller-10/27/2024 Counter-Lender provided an 8821 which is acceptable however it is not for the subject borrower.  Condition remains.   - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 4.8.22 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information. "  - Seller-10/23/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. Uploaded correct 8821. Thank you. - Seller-10/27/2024  Ready for Review-Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 4.8.22 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information. "  - Seller-10/23/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/30/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/30/2024

8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639794

N/A

N/A

XXXX

20250905554

XXXX

XXXX

XXXX

Closed

2024-10-19 18:02

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639856

Investor Post-Close

No

XXXX

20250905554

XXXX

XXXX

XXXX

Closed

2024-10-19 18:34

2024-10-19 18:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639975

Investor Post-Close

No

XXXX

20250905881

XXXX

XXXX

XXXX

Closed

2024-10-19 12:14

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638794

Investor Post-Close

No

XXXX

20250905881

XXXX

XXXX

XXXX

Closed

2024-10-19 12:45

2024-10-19 12:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638903

Investor Post-Close

No

XXXX

20250905337

XXXX

XXXX

XXXX

Closed

2024-10-19 18:21

2024-11-07 13:19

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-The lender provided an executed/dated 8821 in lieu of the 4506T. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/07/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/07/2024 Ready for Review-Document Uploaded. Please escalate to XX, an 8821 should be acceptable in lieu of 4506. - Seller-11/06/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. Please escalate to XX, an 8821 should be acceptable in lieu of 4506. - Seller-11/06/2024

Resolved-The lender provided an executed/dated 8821 in lieu of the 4506T. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/07/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/07/2024

8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639932

N/A

N/A

XXXX

20250905337

XXXX

XXXX

XXXX

Closed

2024-10-19 18:41

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640001

Investor Post-Close

No

XXXX

20250905337

XXXX

XXXX

XXXX

Closed

2024-10-19 19:03

2024-10-19 19:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640087

Investor Post-Close

No

XXXX

20250906162

XXXX

XXXX

XXXX

Closed

2024-10-19 15:09

2024-11-05 13:40

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Escalated - Due Diligence Vendor-10/19/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639369

N/A

N/A

XXXX

20250906162

XXXX

XXXX

XXXX

Closed

2024-10-19 14:46

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639301

Investor Post-Close

No

XXXX

20250906162

XXXX

XXXX

XXXX

Closed

2024-10-19 15:31

2024-10-19 15:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639418

Investor Post-Close

No

XXXX

20250906015

XXXX

XXXX

XXXX

Closed

2024-10-20 13:35

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641745

Investor Post-Close

No

XXXX

20250906015

XXXX

XXXX

XXXX

Closed

2024-10-20 14:29

2024-10-20 14:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641907

Investor Post-Close

No

XXXX

20250905868

XXXX

XXXX

XXXX

Closed

2024-10-17 15:27

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2622283

Investor Post-Close

No

XXXX

20250905868

XXXX

XXXX

XXXX

Closed

2024-10-17 15:59

2024-10-18 12:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2622795

Investor Post-Close

No

XXXX

20250906005

XXXX

XXXX

XXXX

Closed

2024-10-20 16:28

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642186

Investor Post-Close

No

XXXX

20250906005

XXXX

XXXX

XXXX

Closed

2024-10-20 17:03

2024-10-20 17:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642268

Investor Post-Close

No

XXXX

20250906049

XXXX

XXXX

XXXX

Closed

2024-10-21 15:24

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647340

Investor Post-Close

No

XXXX

20250906049

XXXX

XXXX

XXXX

Closed

2024-10-21 17:15

2024-10-21 17:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2648745

Investor Post-Close

No

XXXX

20250905807

XXXX

XXXX

XXXX

Closed

2024-10-17 15:34

2024-11-05 13:41

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/17/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2622389

N/A

N/A

XXXX

20250905807

XXXX

XXXX

XXXX

Closed

2024-10-17 15:09

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing.This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2621768

Investor Post-Close

No

XXXX

20250905807

XXXX

XXXX

XXXX

Closed

2024-10-17 15:32

2024-10-20 18:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2622367

Investor Post-Close

No

XXXX

20250905729

XXXX

XXXX

XXXX

Closed

2024-10-22 19:17

2024-10-31 14:23

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024 Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024 Open-The subject property is in a dry funding state.  The file is missing either a PCCD or a Final Settlement Statement that matches the Final CD in file. - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024

Final disbursement ledger and mss.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2659214

N/A

N/A

XXXX

20250905729

XXXX

XXXX

XXXX

Closed

2024-10-20 12:09

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641504

Investor Post-Close

No

XXXX

20250905729

XXXX

XXXX

XXXX

Closed

2024-10-20 12:37

2024-10-20 12:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641569

Investor Post-Close

No

XXXX

20250906070

XXXX

XXXX

XXXX

Closed

2024-10-20 14:11

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing . This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641855

Investor Post-Close

No

XXXX

20250906070

XXXX

XXXX

XXXX

Closed

2024-10-20 14:28

2024-10-20 14:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641906

Investor Post-Close

No

XXXX

20250905858

XXXX

XXXX

XXXX

Closed

2024-10-19 11:59

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638739

Investor Post-Close

No

XXXX

20250905858

XXXX

XXXX

XXXX

Closed

2024-10-19 12:35

2024-10-21 01:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638867

Investor Post-Close

No

XXXX

20250905606

XXXX

XXXX

XXXX

Closed

2024-10-20 07:32

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640985

Investor Post-Close

No

XXXX

20250905606

XXXX

XXXX

XXXX

Closed

2024-10-20 08:24

2024-10-20 08:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641064

Investor Post-Close

No

XXXX

20250905271

XXXX

XXXX

XXXX

Closed

2024-10-19 18:44

2024-11-07 20:50

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Open- - Due Diligence Vendor-10/31/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/19/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2640016

N/A

N/A

XXXX

20250905271

XXXX

XXXX

XXXX

Closed

2024-10-19 18:04

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639860

Investor Post-Close

No

XXXX

20250905271

XXXX

XXXX

XXXX

Closed

2024-10-19 19:19

2024-10-19 19:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640125

Investor Post-Close

No

XXXX

20250905417

XXXX

XXXX

XXXX

Closed

2024-10-20 19:01

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2642560

Investor Post-Close

No

XXXX

20250905417

XXXX

XXXX

XXXX

Closed

2024-10-20 20:21

2024-10-20 20:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2642693

Investor Post-Close

No

XXXX

20250905307

XXXX

XXXX

XXXX

Closed

2024-10-20 19:15

2024-11-05 17:14

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Open- - Due Diligence Vendor-10/31/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/20/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2642585

N/A

N/A

XXXX

20250905307

XXXX

XXXX

XXXX

Closed

2024-10-20 18:51

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642537

Investor Post-Close

No

XXXX

20250905307

XXXX

XXXX

XXXX

Closed

2024-10-20 19:13

2024-10-20 19:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642580

Investor Post-Close

No

XXXX

20250905395

XXXX

XXXX

XXXX

Closed

2024-10-21 06:42

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643414

Investor Post-Close

No

XXXX

20250905395

XXXX

XXXX

XXXX

Closed

2024-10-21 07:02

2024-10-21 07:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643483

Investor Post-Close

No

XXXX

20250905220

XXXX

XXXX

XXXX

Closed

2024-10-21 13:55

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2645987

Investor Post-Close

No

XXXX

20250905220

XXXX

XXXX

XXXX

Closed

2024-10-21 14:19

2024-10-21 14:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646290

Investor Post-Close

No

XXXX

20250905696

XXXX

XXXX

XXXX

Closed

2024-10-17 14:37

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2621295

Investor Post-Close

No

XXXX

20250905696

XXXX

XXXX

XXXX

Closed

2024-10-17 15:00

2024-10-17 18:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2621624

Investor Post-Close

No

XXXX

20250905801

XXXX

XXXX

XXXX

Closed

2024-10-21 14:31

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2646477

Investor Post-Close

No

XXXX

20250905801

XXXX

XXXX

XXXX

Closed

2024-10-21 15:28

2024-10-21 15:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647405

Investor Post-Close

No

XXXX

20250905511

XXXX

XXXX

XXXX

Closed

2024-10-21 19:09

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650172

Investor Post-Close

No

XXXX

20250905511

XXXX

XXXX

XXXX

Closed

2024-10-21 19:59

2024-10-21 19:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650802

Investor Post-Close

No

XXXX

20250905615

XXXX

XXXX

XXXX

Closed

2024-10-30 15:03

2024-11-19 14:21

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)   - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2712438

N/A

N/A

XXXX

20250905615

XXXX

XXXX

XXXX

Closed

2024-10-30 15:03

2024-11-19 14:21

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii))  The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2712439

N/A

N/A

XXXX

20250905615

XXXX

XXXX

XXXX

Closed

2024-10-19 15:26

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639403

Investor Post-Close

No

XXXX

20250905615

XXXX

XXXX

XXXX

Closed

2024-10-19 18:01

2024-10-19 18:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639850

Investor Post-Close

No

XXXX

20250906089

XXXX

XXXX

XXXX

Closed

2024-10-19 20:12

2024-11-06 23:53

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/19/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/06/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/06/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2640207

N/A

N/A

XXXX

20250906089

XXXX

XXXX

XXXX

Closed

2024-10-19 19:44

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640167

Investor Post-Close

No

XXXX

20250906089

XXXX

XXXX

XXXX

Closed

2024-10-19 20:40

2024-10-19 20:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640242

Investor Post-Close

No

XXXX

20250906187

XXXX

XXXX

XXXX

Closed

2024-10-19 20:09

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640206

Investor Post-Close

No

XXXX

20250906187

XXXX

XXXX

XXXX

Closed

2024-10-19 21:35

2024-10-19 21:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640303

Investor Post-Close

No

XXXX

20250906125

XXXX

XXXX

XXXX

Closed

2024-10-18 13:03

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2630344

Investor Post-Close

No

XXXX

20250906125

XXXX

XXXX

XXXX

Closed

2024-10-18 14:03

2024-10-18 14:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2631015

Investor Post-Close

No

XXXX

20250906136

XXXX

XXXX

XXXX

Closed

2024-10-19 22:23

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640355

Investor Post-Close

No

XXXX

20250906136

XXXX

XXXX

XXXX

Closed

2024-10-21 21:54

2024-10-21 21:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2651622

Investor Post-Close

No

XXXX

20250905386

XXXX

XXXX

XXXX

Closed

2024-10-20 19:56

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642657

Investor Post-Close

No

XXXX

20250905386

XXXX

XXXX

XXXX

Closed

2024-10-20 20:25

2024-10-20 20:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642696

Investor Post-Close

No

XXXX

20250905757

XXXX

XXXX

XXXX

Closed

2024-10-22 10:54

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653293

Investor Post-Close

No

XXXX

20250905757

XXXX

XXXX

XXXX

Closed

2024-10-22 12:27

2024-10-30 17:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653880

Investor Post-Close

No

XXXX

20250905499

XXXX

XXXX

XXXX

Closed

2024-10-21 14:09

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2646145

Investor Post-Close

No

XXXX

20250905499

XXXX

XXXX

XXXX

Closed

2024-10-21 14:46

2024-10-21 14:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2646672

Investor Post-Close

No

XXXX

20250905457

XXXX

XXXX

XXXX

Closed

2024-10-21 11:39

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644590

Investor Post-Close

No

XXXX

20250905457

XXXX

XXXX

XXXX

Closed

2024-10-21 12:44

2024-10-21 12:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645171

Investor Post-Close

No

XXXX

20250905796

XXXX

XXXX

XXXX

Closed

2024-10-26 19:54

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689432

Investor Post-Close

No

XXXX

20250905796

XXXX

XXXX

XXXX

Closed

2024-10-27 07:56

2024-10-27 07:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689974

Investor Post-Close

No

XXXX

20250905228

XXXX

XXXX

XXXX

Closed

2024-10-21 15:05

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646950

Investor Post-Close

No

XXXX

20250905228

XXXX

XXXX

XXXX

Closed

2024-10-21 16:39

2024-10-21 16:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2648339

Investor Post-Close

No

XXXX

20250905685

XXXX

XXXX

XXXX

Closed

2024-10-21 11:40

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644596

Investor Post-Close

No

XXXX

20250905685

XXXX

XXXX

XXXX

Closed

2024-10-21 12:18

2024-10-21 12:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644901

Investor Post-Close

No

XXXX

20250905525

XXXX

XXXX

XXXX

Closed

2024-10-20 10:20

2024-11-06 16:39

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided 8821.  Condition cleared. - Due Diligence Vendor-11/06/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. please escalate to XX, 8821 should be acceptable in lieu of 4506. - Seller-11/04/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/20/2024

Ready for Review-Document Uploaded. please escalate to XX, 8821 should be acceptable in lieu of 4506. - Seller-11/04/2024

Resolved-Lender provided 8821.  Condition cleared. - Due Diligence Vendor-11/06/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024

8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641277

N/A

N/A

XXXX

20250905525

XXXX

XXXX

XXXX

Closed

2024-10-20 10:39

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641309

Investor Post-Close

No

XXXX

20250905525

XXXX

XXXX

XXXX

Closed

2024-10-20 12:46

2024-10-20 12:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641596

Investor Post-Close

No

XXXX

20250905755

XXXX

XXXX

XXXX

Closed

2024-10-20 09:51

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641216

Investor Post-Close

No

XXXX

20250905755

XXXX

XXXX

XXXX

Closed

2024-10-20 10:39

2024-10-20 10:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641308

Investor Post-Close

No

XXXX

20250906009

XXXX

XXXX

XXXX

Closed

2024-10-16 18:01

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2614073

Investor Post-Close

No

XXXX

20250906209

XXXX

XXXX

XXXX

Closed

2024-10-19 11:26

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638643

Investor Post-Close

No

XXXX

20250906209

XXXX

XXXX

XXXX

Closed

2024-10-19 12:03

2024-10-19 12:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638761

Investor Post-Close

No

XXXX

20250905311

XXXX

XXXX

XXXX

Closed

2024-10-21 10:18

2024-11-06 14:16

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-11/06/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Please escalate to XX, 8821 should be acceptable in lieu of 4506 - Seller-11/02/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. please escalate to XX, 8821 should be acceptable in lieu of 4506. - Seller-11/04/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-11/06/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024

8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2644095

N/A

N/A

XXXX

20250905311

XXXX

XXXX

XXXX

Closed

2024-10-21 10:54

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644296

Investor Post-Close

No

XXXX

20250905311

XXXX

XXXX

XXXX

Closed

2024-10-21 12:32

2024-10-28 15:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645061

Investor Post-Close

No

XXXX

20250905156

XXXX

XXXX

XXXX

Closed

2024-10-19 18:52

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640047

Investor Post-Close

No

XXXX

20250905156

XXXX

XXXX

XXXX

Closed

2024-10-19 18:31

2024-10-25 17:30

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information." - Seller-10/24/2024 Open-Borrower 1 Executed 4506-T Missing Guidelines require a 4506-C, executed at closing for all transactions. No 4506-C in file.  - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information." - Seller-10/24/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024

XXXXXXXXXX 8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639951

N/A

N/A

XXXX

20250905156

XXXX

XXXX

XXXX

Closed

2024-10-19 19:40

2024-10-19 19:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640162

Investor Post-Close

No

XXXX

20250905767

XXXX

XXXX

XXXX

Closed

2024-10-19 09:55

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638361

Investor Post-Close

No

XXXX

20250905767

XXXX

XXXX

XXXX

Closed

2024-10-21 18:23

2024-10-21 18:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2649611

Investor Post-Close

No

XXXX

20250906135

XXXX

XXXX

XXXX

Closed

2024-10-19 13:12

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639012

Investor Post-Close

No

XXXX

20250906135

XXXX

XXXX

XXXX

Closed

2024-10-19 13:44

2024-10-19 13:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639127

Investor Post-Close

No

XXXX

20250905698

XXXX

XXXX

XXXX

Closed

2024-10-25 16:11

2024-11-05 18:29

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided 1 month's bank statement to document sufficient assets.  Condition cleared.  - Due Diligence Vendor-11/05/2024 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. Uploaded bank statements to show borrower had enough in account to cover monthly XXXX balance - Seller-11/02/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing verification of borrower funds to cover account balance for open 30-day account.  - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. Uploaded bank statements to show borrower had enough in account to cover monthly XXXX balance - Seller-11/02/2024

Resolved-Lender provided 1 month's bank statement to document sufficient assets.  Condition cleared.  - Due Diligence Vendor-11/05/2024  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/05/2024

bank statements.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683593

N/A

N/A

XXXX

20250905698

XXXX

XXXX

XXXX

Closed

2024-10-25 16:09

2024-11-05 18:29

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Lender provided 1 month's bank statement to document sufficient assets.  Condition cleared.  - Due Diligence Vendor-11/05/2024 Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/05/2024 Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. Uploaded bank statements to show borrower had enough in account to cover monthly XXXX balance - Seller-11/02/2024 Open-Asset Qualification Does Not Meet Guideline Requirements Missing verification of borrower funds to cover account balance for open 30-day account.  - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. Uploaded bank statements to show borrower had enough in account to cover monthly XXXX balance - Seller-11/02/2024

Resolved-Lender provided 1 month's bank statement to document sufficient assets.  Condition cleared.  - Due Diligence Vendor-11/05/2024  Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/05/2024

bank statements.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683561

N/A

N/A

XXXX

20250905698

XXXX

XXXX

XXXX

Closed

2024-10-19 11:25

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638642

Investor Post-Close

No

XXXX

20250905698

XXXX

XXXX

XXXX

Closed

2024-10-21 18:17

2024-10-21 18:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2649553

Investor Post-Close

No

XXXX

20250905213

XXXX

XXXX

XXXX

Closed

2024-10-20 10:50

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641331

Investor Post-Close

No

XXXX

20250905213

XXXX

XXXX

XXXX

Closed

2024-10-20 11:41

2024-10-20 11:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641454

Investor Post-Close

No

XXXX

20250905464

XXXX

XXXX

XXXX

Closed

2024-10-22 18:44

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658851

Investor Post-Close

No

XXXX

20250905464

XXXX

XXXX

XXXX

Closed

2024-10-22 19:29

2024-10-22 19:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659344

Investor Post-Close

No

XXXX

20250905251

XXXX

XXXX

XXXX

Closed

2024-10-21 12:28

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645020

Investor Post-Close

No

XXXX

20250905251

XXXX

XXXX

XXXX

Closed

2024-10-21 12:48

2024-10-21 12:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645213

Investor Post-Close

No

XXXX

20250905280

XXXX

XXXX

XXXX

Closed

2024-10-20 02:10

2024-11-06 14:19

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-11/06/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Please escalate to XX 8821 should be acceptable in lieu of 4506 - Seller-11/02/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/20/2024

Ready for Review-Document Uploaded. Please escalate to XX 8821 should be acceptable in lieu of 4506 - Seller-11/02/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-11/06/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024

8821.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640568

N/A

N/A

XXXX

20250905280

XXXX

XXXX

XXXX

Closed

2024-10-20 02:37

2024-11-05 17:11

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Ready for Review-Please assign to XX queue as they are ordering PDI's - Seller-11/02/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/20/2024

Ready for Review-Please assign to XX queue as they are ordering PDI's - Seller-11/02/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640596

N/A

N/A

XXXX

20250905280

XXXX

XXXX

XXXX

Closed

2024-10-20 02:21

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640572

Investor Post-Close

No

XXXX

20250905280

XXXX

XXXX

XXXX

Closed

2024-10-20 04:51

2024-10-20 04:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640714

Investor Post-Close

No

XXXX

20250905684

XXXX

XXXX

XXXX

Closed

2024-10-19 10:28

2024-11-08 16:08

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Expiration Date is before the Note Date

Resolved-The lender provided the Hazard Insurance Declaration page with updated effective and expiration dates. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. Uploaded hazard - Seller-11/06/2024 Open-Hazard Insurance Expiration Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. Uploaded hazard - Seller-11/06/2024

Resolved-The lender provided the Hazard Insurance Declaration page with updated effective and expiration dates. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/08/2024

hazard.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2638493

N/A

N/A

XXXX

20250905684

XXXX

XXXX

XXXX

Closed

2024-10-19 09:27

2024-11-04 18:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638266

Investor Post-Close

No

XXXX

20250905684

XXXX

XXXX

XXXX

Closed

2024-10-19 10:41

2024-10-19 10:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638536

Investor Post-Close

No

XXXX

20250905714

XXXX

XXXX

XXXX

Closed

2024-10-19 16:22

2024-11-05 13:44

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection Escalated - Due Diligence Vendor-10/21/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2639575

N/A

N/A

XXXX

20250905714

XXXX

XXXX

XXXX

Closed

2024-10-19 16:01

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639503

Investor Post-Close

No

XXXX

20250905714

XXXX

XXXX

XXXX

Closed

2024-10-19 16:37

2024-10-19 16:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639623

Investor Post-Close

No

XXXX

20250906008

XXXX

XXXX

XXXX

Closed

2024-10-19 22:39

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640371

Investor Post-Close

No

XXXX

20250906008

XXXX

XXXX

XXXX

Closed

2024-10-19 23:29

2024-10-19 23:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640402

Investor Post-Close

No

XXXX

20250905253

XXXX

XXXX

XXXX

Closed

2024-10-20 04:36

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640695

Investor Post-Close

No

XXXX

20250905253

XXXX

XXXX

XXXX

Closed

2024-10-20 05:08

2024-10-20 05:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640745

Investor Post-Close

No

XXXX

20250905347

XXXX

XXXX

XXXX

Closed

2024-10-20 06:36

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640886

Investor Post-Close

No

XXXX

20250905347

XXXX

XXXX

XXXX

Closed

2024-10-20 07:06

2024-10-20 07:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640939

Investor Post-Close

No

XXXX

20250905741

XXXX

XXXX

XXXX

Closed

2024-10-19 11:54

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638723

Investor Post-Close

No

XXXX

20250905741

XXXX

XXXX

XXXX

Closed

2024-10-19 12:38

2024-10-19 12:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638873

Investor Post-Close

No

XXXX

20250905372

XXXX

XXXX

XXXX

Closed

2024-10-22 17:22

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2657847

Investor Post-Close

No

XXXX

20250905372

XXXX

XXXX

XXXX

Closed

2024-10-23 09:49

2024-10-30 19:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662080

Investor Post-Close

No

XXXX

20250905171

XXXX

XXXX

XXXX

Closed

2024-10-20 12:09

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641508

Investor Post-Close

No

XXXX

20250905171

XXXX

XXXX

XXXX

Closed

2024-10-20 12:56

2024-10-20 12:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641617

Investor Post-Close

No

XXXX

20250905170

XXXX

XXXX

XXXX

Closed

2024-10-21 09:01

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643846

Investor Post-Close

No

XXXX

20250905170

XXXX

XXXX

XXXX

Closed

2024-10-21 09:47

2024-10-21 09:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644004

Investor Post-Close

No

XXXX

20250905281

XXXX

XXXX

XXXX

Closed

2024-10-27 19:05

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690910

Investor Post-Close

No

XXXX

20250905281

XXXX

XXXX

XXXX

Closed

2024-10-27 19:47

2024-10-27 19:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690953

Investor Post-Close

No

XXXX

20250905318

XXXX

XXXX

XXXX

Closed

2024-10-21 08:46

2024-11-05 20:50

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided an AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024 Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 6  (.06) This full AVM is in the imaged loan file. - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/21/2024

Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 6  (.06) This full AVM is in the imaged loan file. - Seller-11/02/2024

Resolved-Lender provided an AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643793

N/A

N/A

XXXX

20250905318

XXXX

XXXX

XXXX

Closed

2024-10-21 08:26

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643731

Investor Post-Close

No

XXXX

20250905318

XXXX

XXXX

XXXX

Closed

2024-10-21 08:59

2024-10-21 09:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643832

Investor Post-Close

No

XXXX

20250905475

XXXX

XXXX

XXXX

Closed

2024-10-21 18:08

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649445

Investor Post-Close

No

XXXX

20250905475

XXXX

XXXX

XXXX

Closed

2024-10-21 18:39

2024-10-21 18:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649820

Investor Post-Close

No

XXXX

20250905320

XXXX

XXXX

XXXX

Closed

2024-10-19 21:59

2024-10-30 17:43

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/30/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information." - Seller-10/27/2024 Open-Borrower 1 Executed 4506-T Missing Guidelines require a 4506-C, signed at closing for all transactions. No 4506-C in file.  - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information." - Seller-10/27/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/30/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/30/2024

8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2640317

N/A

N/A

XXXX

20250905320

XXXX

XXXX

XXXX

Closed

2024-10-19 22:11

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640333

Investor Post-Close

No

XXXX

20250905320

XXXX

XXXX

XXXX

Closed

2024-10-19 22:49

2024-10-19 22:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640377

Investor Post-Close

No

XXXX

20250905426

XXXX

XXXX

XXXX

Closed

2024-10-19 09:08

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638221

Investor Post-Close

No

XXXX

20250905426

XXXX

XXXX

XXXX

Closed

2024-10-19 10:48

2024-10-19 10:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638553

Investor Post-Close

No

XXXX

20250905257

XXXX

XXXX

XXXX

Closed

2024-10-22 15:34

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2656532

Investor Post-Close

No

XXXX

20250905257

XXXX

XXXX

XXXX

Closed

2024-10-22 16:47

2024-10-22 16:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2657400

Investor Post-Close

No

XXXX

20250905564

XXXX

XXXX

XXXX

Closed

2024-10-20 12:03

2024-11-05 13:50

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-11/05/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641490

Investor Post-Close

No

XXXX

20250905564

XXXX

XXXX

XXXX

Closed

2024-10-20 12:39

2024-10-20 12:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641575

Investor Post-Close

No

XXXX

20250905683

XXXX

XXXX

XXXX

Closed

2024-10-20 08:53

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641115

Investor Post-Close

No

XXXX

20250905683

XXXX

XXXX

XXXX

Closed

2024-10-20 09:16

2024-10-22 15:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641159

Investor Post-Close

No

XXXX

20250905224

XXXX

XXXX

XXXX

Closed

2024-10-20 14:31

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641912

Investor Post-Close

No

XXXX

20250905224

XXXX

XXXX

XXXX

Closed

2024-10-20 14:59

2024-10-20 14:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641991

Investor Post-Close

No

XXXX

20250906127

XXXX

XXXX

XXXX

Closed

2024-10-20 10:22

2024-10-31 16:48

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-10/31/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/31/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/20/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-10/31/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/31/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641281

N/A

N/A

XXXX

20250906127

XXXX

XXXX

XXXX

Closed

2024-10-20 10:06

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641241

Investor Post-Close

No

XXXX

20250906127

XXXX

XXXX

XXXX

Closed

2024-10-20 10:33

2024-10-21 03:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641298

Originator Post-Close

No

XXXX

20250905921

XXXX

XXXX

XXXX

Closed

2024-10-20 09:38

2024-11-05 17:06

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/20/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641200

N/A

N/A

XXXX

20250905921

XXXX

XXXX

XXXX

Closed

2024-10-20 03:40

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2640635

Investor Post-Close

No

XXXX

20250905921

XXXX

XXXX

XXXX

Closed

2024-10-20 09:54

2024-10-24 13:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641221

Investor Post-Close

No

XXXX

20250905453

XXXX

XXXX

XXXX

Closed

2024-10-20 16:59

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642258

Investor Post-Close

No

XXXX

20250905453

XXXX

XXXX

XXXX

Closed

2024-10-20 15:48

2024-10-25 16:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024 Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information."  - Seller-10/23/2024 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-10/20/2024

Ready for Review-Document Uploaded. Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information." - Seller-10/27/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024  Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/25/2024

XXXXXXXXXX 8821 B1 and B2.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2642082

N/A

N/A

XXXX

20250905453

XXXX

XXXX

XXXX

Closed

2024-10-20 15:48

2024-10-25 16:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information."  - Seller-10/23/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/20/2024

Ready for Review-Document Uploaded. Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information." - Seller-10/27/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024

XXXXXXXXXX 8821 B1 and B2.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2642081

N/A

N/A

XXXX

20250905453

XXXX

XXXX

XXXX

Closed

2024-10-20 17:49

2024-10-20 17:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642388

Investor Post-Close

No

XXXX

20250905268

XXXX

XXXX

XXXX

Closed

2024-10-20 12:57

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641623

Investor Post-Close

No

XXXX

20250905268

XXXX

XXXX

XXXX

Closed

2024-10-20 12:38

2024-10-25 16:17

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information. "  - Seller-10/23/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/20/2024

Ready for Review-Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information. "  - Seller-10/23/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024

XXXXXXXXXX 8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641570

N/A

N/A

XXXX

20250905268

XXXX

XXXX

XXXX

Closed

2024-10-20 13:47

2024-10-20 13:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641786

Investor Post-Close

No

XXXX

20250906010

XXXX

XXXX

XXXX

Closed

2024-10-19 05:41

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637863

Investor Post-Close

No

XXXX

20250906010

XXXX

XXXX

XXXX

Closed

2024-10-19 05:54

2024-10-19 05:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637894

Investor Post-Close

No

XXXX

20250906149

XXXX

XXXX

XXXX

Closed

2024-10-16 18:42

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/16/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2614663

Investor Post-Close

No

XXXX

20250906149

XXXX

XXXX

XXXX

Closed

2024-10-16 19:17

2024-10-17 17:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2615305

Investor Post-Close

No

XXXX

20250905579

XXXX

XXXX

XXXX

Closed

2024-10-18 13:07

2024-11-15 14:46

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-The Lender provided a copy of the borrower’s Final Disbursement Ledger, ALTA and PCCD. Compliance testing passed. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. uploaded final alta - Seller-11/13/2024 Counter-Lender provided a combined Ledger for first and second loans. However, the Final ALTA statement is required in dry funding states to verify the final CD signed at consummation, IF there was not a post-closing CD provided. Therefore, either a final ALTA statement OR post-closing CD is required. Condition remains.  - Due Diligence Vendor-10/31/2024 Ready for Review-Uploaded disbursement and master settlement statement. - Seller-10/29/2024 Open-The subject is located in a dry funding state. Missing either the Post Close CD or final HUD-1 to support fees charged on the closing CD. - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. uploaded final alta - Seller-11/13/2024  Ready for Review-Uploaded disbursement and master settlement statement. - Seller-10/29/2024

Resolved-The Lender provided a copy of the borrower’s Final Disbursement Ledger, ALTA and PCCD. Compliance testing passed. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/15/2024

Final disbursement ledger and mss.pdf package.pdf

XX

Primary Residence

Purchase

NA

2630381

N/A

N/A

XXXX

20250905579

XXXX

XXXX

XXXX

Closed

2024-10-17 15:10

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Purchase

NA

2621857

Investor Post-Close

No

XXXX

20250905579

XXXX

XXXX

XXXX

Closed

2024-10-17 17:43

2024-10-18 12:01

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Purchase

NA

2624266

Investor Post-Close

No

XXXX

20250905427

XXXX

XXXX

XXXX

Closed

2024-10-20 17:53

2024-11-05 18:42

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/05/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. UW guidelines dated 6.6.2024 only required a XXXXXXXX AVM. The FSD is 5 (.05) - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Ready for Review-Document Uploaded. UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 5 (.05) - Seller-11/02/2024

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/05/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024

avm.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2642404

N/A

N/A

XXXX

20250905427

XXXX

XXXX

XXXX

Closed

2024-10-20 17:26

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642323

Investor Post-Close

No

XXXX

20250905427

XXXX

XXXX

XXXX

Closed

2024-10-20 17:54

2024-10-20 17:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642415

Investor Post-Close

No

XXXX

20250905184

XXXX

XXXX

XXXX

Closed

2024-10-21 11:18

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644428

Investor Post-Close

No

XXXX

20250905184

XXXX

XXXX

XXXX

Closed

2024-10-21 11:47

2024-10-21 11:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644645

Investor Post-Close

No

XXXX

20250905196

XXXX

XXXX

XXXX

Closed

2024-10-21 17:35

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649023

Investor Post-Close

No

XXXX

20250905196

XXXX

XXXX

XXXX

Closed

2024-10-21 18:14

2024-10-21 18:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649509

Investor Post-Close

No

XXXX

20250905185

XXXX

XXXX

XXXX

Closed

2024-10-18 17:20

2024-11-06 14:11

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-11/06/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Please escalate to XX, 8821 should be acceptable in lieu of 4506"   - Seller-11/02/2024 Open-Borrower 1 Executed 4506-T Missing Guidelines require a 4506-C to be signed at closing for all transactions. No 4506-C in file.  - Due Diligence Vendor-10/18/2024

Ready for Review-Document Uploaded. Please escalate to XX, 8821 should be acceptable in lieu of 4506 "  - Seller-11/02/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-11/06/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/06/2024

8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2633760

N/A

N/A

XXXX

20250905185

XXXX

XXXX

XXXX

Closed

2024-10-18 17:34

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2633964

Investor Post-Close

No

XXXX

20250905185

XXXX

XXXX

XXXX

Closed

2024-10-18 18:12

2024-10-25 12:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634505

Investor Post-Close

No

XXXX

20250905704

XXXX

XXXX

XXXX

Closed

2024-10-19 08:52

2024-11-05 13:52

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/22/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638198

N/A

N/A

XXXX

20250905704

XXXX

XXXX

XXXX

Closed

2024-10-19 08:31

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638168

Investor Post-Close

No

XXXX

20250905704

XXXX

XXXX

XXXX

Closed

2024-10-19 08:49

2024-10-19 08:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638193

Investor Post-Close

No

XXXX

20250905123

XXXX

XXXX

XXXX

Closed

2024-10-21 09:01

2024-11-05 19:55

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/05/2024 Counter-The XXXXXXXX AVM pages in the file are blank and don't provide any information.  Please provide legible AVM.  Condition remains.   - Due Diligence Vendor-11/05/2024 Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 8 (.08)  - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/21/2024

Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 8 (.08)  - Seller-11/02/2024

Resolved-Lender provided AVM.  Condition cleared.  - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643841

N/A

N/A

XXXX

20250905123

XXXX

XXXX

XXXX

Closed

2024-10-21 08:45

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643790

Investor Post-Close

No

XXXX

20250905123

XXXX

XXXX

XXXX

Closed

2024-10-21 09:01

2024-10-21 09:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643845

Investor Post-Close

No

XXXX

20250905433

XXXX

XXXX

XXXX

Closed

2024-10-21 11:08

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644385

Investor Post-Close

No

XXXX

20250905433

XXXX

XXXX

XXXX

Closed

2024-10-21 11:24

2024-10-21 11:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644470

Investor Post-Close

No

XXXX

20250905533

XXXX

XXXX

XXXX

Closed

2024-10-21 14:46

2024-11-05 19:01

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is6  (.06)  - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is6  (.06)  - Seller-11/02/2024

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024

avm.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646682

N/A

N/A

XXXX

20250905533

XXXX

XXXX

XXXX

Closed

2024-10-21 14:20

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646293

Investor Post-Close

No

XXXX

20250905533

XXXX

XXXX

XXXX

Closed

2024-10-21 14:46

2024-10-21 14:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646668

Investor Post-Close

No

XXXX

20250905408

XXXX

XXXX

XXXX

Closed

2024-10-23 15:54

2024-11-19 14:27

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii))  The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-10/23/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2665653

N/A

N/A

XXXX

20250905408

XXXX

XXXX

XXXX

Closed

2024-10-23 15:54

2024-11-19 14:26

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)    - Due Diligence Vendor-10/23/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2665652

N/A

N/A

XXXX

20250905408

XXXX

XXXX

XXXX

Closed

2024-10-21 13:02

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2645340

Investor Post-Close

No

XXXX

20250905408

XXXX

XXXX

XXXX

Closed

2024-10-21 13:36

2024-10-23 15:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2645771

Investor Post-Close

No

XXXX

20250905506

XXXX

XXXX

XXXX

Closed

2024-10-20 15:07

2024-11-08 18:45

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-The Lender provided the AVM with FSD score of .08. Guidelines require FSD scores less than or equal to .10.  The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/08/2024 Ready for Review-uploaded AVM - Seller-11/07/2024 Counter-The XXXXXXXXX AVM pages in the file are blank and don't provide any information.  Please provide legible AVM.  Condition remains.   - Due Diligence Vendor-11/05/2024 Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 8 (.08)  - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing AVM is missing in file . The one available in file is blank. - Due Diligence Vendor-10/20/2024

Ready for Review-uploaded AVM - Seller-11/07/2024  Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXXX AVM. The FSD is 8 (.08)  - Seller-11/02/2024

Resolved-The Lender provided the AVM with FSD score of .08. Guidelines require FSD scores less than or equal to .10.  The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/08/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2642007

N/A

N/A

XXXX

20250905506

XXXX

XXXX

XXXX

Closed

2024-10-20 11:30

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641414

Investor Post-Close

No

XXXX

20250905506

XXXX

XXXX

XXXX

Closed

2024-10-20 11:51

2024-10-22 15:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641473

Investor Post-Close

No

XXXX

20250906075

XXXX

XXXX

XXXX

Closed

2024-10-15 19:35

2024-10-30 16:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing  AfBA Disclosure is Missing.This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/15/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2604252

Investor Post-Close

No

XXXX

20250906075

XXXX

XXXX

XXXX

Closed

2024-10-15 19:53

2024-10-18 10:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2604504

Investor Post-Close

No

XXXX

20250905306

XXXX

XXXX

XXXX

Closed

2024-10-21 09:19

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643916

Investor Post-Close

No

XXXX

20250905658

XXXX

XXXX

XXXX

Closed

2024-10-19 09:58

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638381

Investor Post-Close

No

XXXX

20250905658

XXXX

XXXX

XXXX

Closed

2024-10-19 10:39

2024-10-19 10:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2638531

Investor Post-Close

No

XXXX

20250905772

XXXX

XXXX

XXXX

Closed

2024-10-22 15:39

2024-12-19 13:28

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001257)

Resolved-Audit updated the "Recording Services" fee that was mislabeled on the initial LE per the Fee Variance Worksheet.  Condition cleared.   - Due Diligence Vendor-12/19/2024 Resolved-Resolved - Due Diligence Vendor-12/19/2024 Ready for Review-Per PC Area - LE dated XX/XX/XXXX listed baseline at XXX.XX CD dated XX/XX/XXXX listed baseline XXX.XX - Seller-12/17/2024 Counter-Lender provided a Fee Variance Worksheet to support the fact that the $XXX Notary Fee was originally incorrectly labeled as a Title-Disbursement fee.  This is accepted as valid.  However, the Lender also indicates the $XX Lender’s Title Insurance fee was mislabeled however the Fee Variance Worksheet indicates that initially, a Lender’s Title Insurance fee was not disclosed therefore a valid COC should have been issued to add the fee.  The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $XXX.XX. The 10% fees reflected on the Post-Closing CD dated XX/XX/XXXX total $XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file.  A tolerance cure of $X.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.  Tolerance cure of $X.XX to be provided within 60 days of discovery.  - Due Diligence Vendor-11/18/2024 Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Title Search, Lender’s Title Policy, Recording Service Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-11/18/2024 Ready for Review-Document Uploaded. Attestation uploaded. - From Post Close area - The fees affected by the name change were Notary Fee & Title Insurance Fee - Seller-11/13/2024 Open- - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. From PC area - No Fee Variance was triggered on this loans for cure needed.  Title fees did not increase more then 10% from Inital LE             - Seller-11/02/2024 Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Title Search, Lender’s Title Policy, Notary Fee, Recording Service Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Provide corrected CD, evidence of $XX.XX refund, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-10/22/2024

Ready for Review-Per PC Area - LE dated XX/XX/XXXX listed baseline at XXX.XX CD dated XX/XX/XXXX listed baseline XXX.XX - Seller-12/17/2024  Ready for Review-Document Uploaded. Attestation uploaded. - From Post Close area - The fees affected by the name change were Notary Fee & Title Insurance Fee - Seller-11/13/2024  Ready for Review-Document Uploaded. From PC area - No Fee Variance was triggered on this loans for cure needed.  Title fees did not increase more then 10% from Inital LE             - Seller-11/02/2024

Resolved-Audit updated the "Recording Services" fee that was mislabeled on the initial LE per the Fee Variance Worksheet.  Condition cleared.   - Due Diligence Vendor-12/19/2024  Resolved-Resolved - Due Diligence Vendor-12/19/2024

tracking and fee worksheet.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2656590

N/A

N/A

XXXX

20250905772

XXXX

XXXX

XXXX

Closed

2024-10-22 15:39

2024-12-19 13:28

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That In Total Cannot Increase More Than 10% Test (50001258)

Resolved-Audit updated the "Recording Services" fee that was mislabeled on the initial LE per the Fee Variance Worksheet.  Condition cleared.   - Due Diligence Vendor-12/19/2024 Resolved-Resolved - Due Diligence Vendor-12/19/2024 Ready for Review-Per PC Area - LE dated XX/XX/XXXX listed baseline at XXX.XX CD dated XX/XX/XXXX listed baseline XXX.XX - Seller-12/17/2024 Counter-Lender provided a Fee Variance Worksheet to support the fact that the $XXX Notary Fee was originally incorrectly labeled as a Title-Disbursement fee.  This is accepted as valid.  However, the Lender also indicates the $XX Lender’s Title Insurance fee was mislabeled however the Fee Variance Worksheet indicates that initially, a Lender’s Title Insurance fee was not disclosed therefore a valid COC should have been issued to add the fee.  The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $XXX.XX. The 10% fees reflected on the Post-Closing CD dated XX/XX/XXXX total $XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file.  A tolerance cure of $X.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.  Tolerance cure of $X.XX to be provided within 60 days of discovery.  - Due Diligence Vendor-11/18/2024 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Title Search, Lender’s Title Policy, Recording Service Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-11/18/2024 Ready for Review-Document Uploaded. Attestation uploaded. - From Post Close area - The fees affected by the name change were Notary Fee & Title Insurance Fee - Seller-11/13/2024 Open- - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. From PC area - Fee Variance was triggered on this loans for cure needed.  Title fees did not increase more then 10% from Inital LE - Seller-11/02/2024 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Title Search, Lender’s Title Policy, Notary Fee, Recording Service Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Provide corrected CD, evidence of $XX.XX refund, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-10/22/2024

Ready for Review-Per PC Area - LE dated XX/XX/XXXX listed baseline at XXX.XX CD dated XX/XX listed baseline 471.00 - Seller-12/17/2024  Ready for Review-Document Uploaded. Attestation uploaded. - From Post Close area - The fees affected by the name change were Notary Fee & Title Insurance Fee - Seller-11/13/2024  Ready for Review-Document Uploaded. From PC area - Fee Variance was triggered on this loans for cure needed.  Title fees did not increase more then 10% from Inital LE - Seller-11/02/2024

Resolved-Audit updated the "Recording Services" fee that was mislabeled on the initial LE per the Fee Variance Worksheet.  Condition cleared.   - Due Diligence Vendor-12/19/2024  Resolved-Resolved - Due Diligence Vendor-12/19/2024

tracking and fee worksheet.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2656589

N/A

N/A

XXXX

20250905772

XXXX

XXXX

XXXX

Closed

2024-10-19 12:44

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638900

Investor Post-Close

No

XXXX

20250905772

XXXX

XXXX

XXXX

Closed

2024-10-19 14:07

2024-10-19 14:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639207

Investor Post-Close

No

XXXX

20250905670

XXXX

XXXX

XXXX

Closed

2024-10-19 12:48

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2638915

Investor Post-Close

No

XXXX

20250905670

XXXX

XXXX

XXXX

Closed

2024-10-21 17:37

2024-10-21 17:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649044

Investor Post-Close

No

XXXX

20250905699

XXXX

XXXX

XXXX

Closed

2024-10-25 17:51

2024-11-18 18:46

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Counter-Lender provided the disclosure tracking summary which reflects the Application date of XX/XX/XXXX. However, the ATR Worksheet, Data Entry Proof and XXXXX XXXXXX reflected the application date of XX/XX/XXXX.  Provide a sufficient explanation as to why the Application date on Data Entry Proof Sheet, ATR Worksheet and XXXXX XXXXXX was reflected as XX/XX/XXXX versus the earliest Application in file dated XX/XX/XXXX. Condition remains.    - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The application date is XX/XX/XXXX; however, the initial Loan Estimate is dated XX/XX/XXXX. Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. No Cure. - Due Diligence Vendor-10/25/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024  Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

tracking1.pdf tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2684762

N/A

N/A

XXXX

20250905699

XXXX

XXXX

XXXX

Closed

2024-10-25 17:51

2024-11-18 18:46

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The application date is XX/XX/XXXX; however, the initial disclosures were not provided until XX/XX/XXXX. Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-10/25/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684761

N/A

N/A

XXXX

20250905699

XXXX

XXXX

XXXX

Closed

2024-10-19 01:09

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637530

Investor Post-Close

No

XXXX

20250905699

XXXX

XXXX

XXXX

Closed

2024-10-19 01:42

2024-10-19 01:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2637563

Investor Post-Close

No

XXXX

20250905353

XXXX

XXXX

XXXX

Closed

2024-10-21 05:19

2024-11-11 15:52

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided. No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-Escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-Please escalate to XX, as they are ordering PDI's - Seller-10/30/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/21/2024

Ready for Review-Please escalate to XX, as they are ordering PDI's - Seller-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided. No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2643177

N/A

N/A

XXXX

20250905353

XXXX

XXXX

XXXX

Closed

2024-10-21 05:00

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643128

Investor Post-Close

No

XXXX

20250905353

XXXX

XXXX

XXXX

Closed

2024-10-21 05:31

2024-10-21 05:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643198

Investor Post-Close

No

XXXX

20250905442

XXXX

XXXX

XXXX

Closed

2024-10-20 14:24

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641897

Investor Post-Close

No

XXXX

20250905442

XXXX

XXXX

XXXX

Closed

2024-10-20 14:49

2024-10-20 14:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641964

Investor Post-Close

No

XXXX

20250906181

XXXX

XXXX

XXXX

Closed

2024-10-22 11:32

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653502

Investor Post-Close

No

XXXX

20250906181

XXXX

XXXX

XXXX

Closed

2024-10-22 14:02

2024-10-22 17:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2654824

Investor Post-Close

No

XXXX

20250905518

XXXX

XXXX

XXXX

Closed

2024-10-21 19:09

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing, this finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650173

Investor Post-Close

No

XXXX

20250905518

XXXX

XXXX

XXXX

Closed

2024-10-21 19:57

2024-10-21 19:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650768

Investor Post-Close

No

XXXX

20250905524

XXXX

XXXX

XXXX

Closed

2024-10-20 14:22

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641894

Investor Post-Close

No

XXXX

20250905216

XXXX

XXXX

XXXX

Closed

2024-10-21 07:51

2024-11-11 16:07

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated- - Due Diligence Vendor-10/30/2024 Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/21/2024

Ready for Review-Please escalate to XX, as they are ordering PDI's - Seller-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2643650

N/A

N/A

XXXX

20250905216

XXXX

XXXX

XXXX

Closed

2024-10-21 07:24

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643555

Investor Post-Close

No

XXXX

20250905216

XXXX

XXXX

XXXX

Closed

2024-10-21 07:49

2024-10-21 07:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643639

Investor Post-Close

No

XXXX

20250905548

XXXX

XXXX

XXXX

Closed

2024-10-25 20:00

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2686315

Investor Post-Close

No

XXXX

20250905548

XXXX

XXXX

XXXX

Closed

2024-10-20 15:43

2024-10-20 15:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2642072

Investor Post-Close

No

XXXX

20250905539

XXXX

XXXX

XXXX

Closed

2024-10-25 16:23

2024-11-18 18:53

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Counter-Lender provided the disclosure tracking summary which reflects the Application date of XX/XX/XXXX. The initial Application date is defined by the initial originator date from when the application was taken NOT the originator or borrower’s signature date.  Therefore, under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) Three business days from the Application Date is XX/XX/XXXX. However, the initial Loan Estimate (LE) disclosures was not provided until XX/XX/XXXX. Provide an attestation (email form is acceptable) confirming Originator is closed to the public and does not carry out substantial business functions on Saturday for purposes of disclosure timing. Condition remains.  - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. "11/2/2024 uploaded disclosure tracking"  - Seller-11/02/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. Provide evidence Lender is not open for business on Saturdays.  - Due Diligence Vendor-10/25/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024  Ready for Review-Document Uploaded. "11/2/2024 uploaded disclosure tracking "  - Seller-11/02/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

tracking1.pdf tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2683693

N/A

N/A

XXXX

20250905539

XXXX

XXXX

XXXX

Closed

2024-10-25 16:23

2024-11-18 18:52

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Counter- - Due Diligence Vendor-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)  The application date is XX/XX/XXXX; however, the initial disclosures were not provided until XX/XX/XXXX. Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing.  - Due Diligence Vendor-10/25/2024

Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683692

N/A

N/A

XXXX

20250905539

XXXX

XXXX

XXXX

Closed

2024-10-20 17:31

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642336

Investor Post-Close

No

XXXX

20250905539

XXXX

XXXX

XXXX

Closed

2024-10-20 18:39

2024-10-20 18:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642509

Investor Post-Close

No

XXXX

20250905701

XXXX

XXXX

XXXX

Closed

2024-10-19 14:21

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639230

Investor Post-Close

No

XXXX

20250905701

XXXX

XXXX

XXXX

Closed

2024-10-19 14:54

2024-10-19 14:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

2639319

Investor Post-Close

No

XXXX

20250905350

XXXX

XXXX

XXXX

Closed

2024-10-21 12:15

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2644856

Investor Post-Close

No

XXXX

20250905350

XXXX

XXXX

XXXX

Closed

2024-10-21 12:43

2024-10-21 12:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2645169

Investor Post-Close

No

XXXX

20250905090

XXXX

XXXX

XXXX

Closed

2024-10-22 11:00

2024-12-13 14:50

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-Lender provided executed NORTC.  Condition cleared.   - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. uploaded esigned package. - Seller-12/12/2024 Counter-Lender provided a NORTC however the borrower's signature was not present.  Condition remains.  - Due Diligence Vendor-11/19/2024 Ready for Review-Your response is missing  - Seller-11/15/2024 Open- - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Hybrid Closing Electronic signed docs are uploaded - Seller-10/29/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. uploaded esigned package. - Seller-12/12/2024  Ready for Review-Your response is missing  - Seller-11/15/2024  Ready for Review-Document Uploaded. Hybrid Closing Electronic signed docs are uploaded - Seller-10/29/2024

Resolved-Lender provided executed NORTC.  Condition cleared.   - Due Diligence Vendor-12/13/2024

Hybrid E closing.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2653323

N/A

N/A

XXXX

20250905090

XXXX

XXXX

XXXX

Closed

2024-10-22 10:16

2024-10-30 21:05

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Hybrid Closing Electronic signed docs are uploaded - Seller-10/29/2024 Open-The Final 1003 is Missing - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. Hybrid Closing Electronic signed docs are uploaded - Seller-10/29/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/30/2024

Hybrid E closing.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2653125

N/A

N/A

XXXX

20250905090

XXXX

XXXX

XXXX

Closed

2024-10-21 18:32

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649727

Investor Post-Close

No

XXXX

20250905090

XXXX

XXXX

XXXX

Closed

2024-10-22 11:48

2024-10-22 11:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653627

Investor Post-Close

No

XXXX

20250905529

XXXX

XXXX

XXXX

Closed

2024-10-19 21:56

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640315

Investor Post-Close

No

XXXX

20250905529

XXXX

XXXX

XXXX

Closed

2024-10-19 21:19

2024-10-25 16:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024 Ready for Review-Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information."  - Seller-10/23/2024 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-10/19/2024

Ready for Review-Document Uploaded. "Please escalate to XX for consideration of a downgrade.  Our guidelines dated 5.20.2024 and 6.6.2024 required a 4506C, we only have an 8821 in file however, this guideline was released Thursday, March 10, 2022  permitting the use of an 8821.SBA issued Procedural Notice 5000-829416, Revisions to SOP 50 10 6 Financial Information Verification Procedures to Allow for the Use of IRS Forms 4506-C or 8821 for 7(a) and 504 Loans (effective March 9, 2022).  Effective immediately, in addition to the current 4506 verification process delineated in SOP 50 10 6 (pp.  205-206), this notice allows 7(a) lenders and CDCs to use IRS Form 8821, Tax Information Authorization, to verify loan applicants’ financial information."  - Seller-10/23/2024

Resolved-Lender provided an executed 8821.  Condition cleared.   - Due Diligence Vendor-10/25/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/25/2024

XXXXXXXXXX 8821.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640288

N/A

N/A

XXXX

20250905529

XXXX

XXXX

XXXX

Closed

2024-10-19 22:42

2024-10-19 22:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640372

Investor Post-Close

No

XXXX

20250905323

XXXX

XXXX

XXXX

Closed

2024-10-19 20:51

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2640248

Investor Post-Close

No

XXXX

20250905323

XXXX

XXXX

XXXX

Closed

2024-10-20 11:12

2024-10-20 11:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2641376

Investor Post-Close

No

XXXX

20250905187

XXXX

XXXX

XXXX

Closed

2024-10-22 15:09

2024-11-11 16:14

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/22/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2655767

N/A

N/A

XXXX

20250905187

XXXX

XXXX

XXXX

Closed

2024-10-22 14:42

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2655393

Investor Post-Close

No

XXXX

20250905187

XXXX

XXXX

XXXX

Closed

2024-10-22 15:27

2024-10-31 14:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2656370

Investor Post-Close

No

XXXX

20250905441

XXXX

XXXX

XXXX

Closed

2024-10-26 14:33

2024-11-15 13:03

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved- - Due Diligence Vendor-11/15/2024 Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/15/2024 Ready for Review-From Post Close area - The package on XX/XX/XXXX contains initial instructions to the title company.  The borrower did not receive this CD. The initial CD was disclosed to the borrower on XX/XX/XXXX and acknowledged receipt the same day.  The package was issued on XX/XX/XXXX was the balancing package sent to title company, borrower did not receive that CD. - Seller-11/13/2024 Counter-Lender provided the Disclosure Tracking Details for the initial CD. However, the said document does not reflect borrower(s) received method nor does it reflect the eDisclosure sent date, confirmation document viewed and evidence of acceptance for eConsent for the borrower(s). Unable to determine borrower(s) received date. Condition remains.  - Due Diligence Vendor-10/31/2024 Ready for Review-Document Uploaded. Uploaded disclosure tracking. - Seller-10/29/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-10/26/2024

Ready for Review-From Post Close area - The package on XX/XX contains initial instructions to the title company.  The borrower did not receive this CD. The initial CD was disclosed to the borrower on XX/XX and acknowledged receipt the same day.  The package was issued on XX/XX was the balancing package sent to title company, borrower did not receive that CD. - Seller-11/13/2024  Ready for Review-Document Uploaded. Uploaded disclosure tracking. - Seller-10/29/2024

Resolved-  - Due Diligence Vendor-11/15/2024  Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/15/2024

Disclosure tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2688851

N/A

N/A

XXXX

20250905441

XXXX

XXXX

XXXX

Closed

2024-10-20 18:42

2024-11-05 19:45

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024 Counter-The XXXXXXXX AVM pages in the file are blank and don't provide any information.  Please provide legible AVM.  Condition remains.   - Due Diligence Vendor-11/05/2024 Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXX AVM. The FSD is 10  (.10) This full AVM is in the imaged loan file.  - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/20/2024

Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXXAVM. The FSD is 10  (.10) This full AVM is in the imaged loan file.  - Seller-11/02/2024

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642521

N/A

N/A

XXXX

20250905441

XXXX

XXXX

XXXX

Closed

2024-10-20 20:39

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642719

Investor Post-Close

No

XXXX

20250905441

XXXX

XXXX

XXXX

Closed

2024-10-20 21:51

2024-10-20 21:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642802

Investor Post-Close

No

XXXX

20250905456

XXXX

XXXX

XXXX

Closed

2024-10-20 08:46

2024-11-11 15:50

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated- - Due Diligence Vendor-10/30/2024 Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/20/2024

Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641102

N/A

N/A

XXXX

20250905456

XXXX

XXXX

XXXX

Closed

2024-10-20 08:26

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641068

Investor Post-Close

No

XXXX

20250905456

XXXX

XXXX

XXXX

Closed

2024-10-20 08:59

2024-10-20 08:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641128

Investor Post-Close

No

XXXX

20250905391

XXXX

XXXX

XXXX

Closed

2024-10-20 15:59

2024-11-05 20:32

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024 Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 9 (.09) - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/20/2024

Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 9 (.09) - Seller-11/02/2024

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642103

N/A

N/A

XXXX

20250905391

XXXX

XXXX

XXXX

Closed

2024-10-20 16:01

2024-11-05 17:22

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated- - Due Diligence Vendor-10/30/2024 Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/20/2024

Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2642109

N/A

N/A

XXXX

20250905391

XXXX

XXXX

XXXX

Closed

2024-10-20 15:27

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642042

Investor Post-Close

No

XXXX

20250905391

XXXX

XXXX

XXXX

Closed

2024-10-20 16:18

2024-10-20 16:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642145

Investor Post-Close

No

XXXX

20250905317

XXXX

XXXX

XXXX

Closed

2024-10-21 09:23

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643934

Investor Post-Close

No

XXXX

20250905317

XXXX

XXXX

XXXX

Closed

2024-10-21 09:55

2024-10-23 17:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2644028

Investor Post-Close

No

XXXX

20250905162

XXXX

XXXX

XXXX

Closed

2024-10-22 15:30

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2656492

Investor Post-Close

No

XXXX

20250905162

XXXX

XXXX

XXXX

Closed

2024-10-22 16:12

2024-10-22 16:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2657037

Investor Post-Close

No

XXXX

20250905504

XXXX

XXXX

XXXX

Closed

2024-10-22 08:32

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2652881

Investor Post-Close

No

XXXX

20250905504

XXXX

XXXX

XXXX

Closed

2024-10-22 08:58

2024-10-22 15:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2652935

Investor Post-Close

No

XXXX

20250905158

XXXX

XXXX

XXXX

Closed

2024-10-20 13:13

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641673

Investor Post-Close

No

XXXX

20250905158

XXXX

XXXX

XXXX

Closed

2024-10-20 13:50

2024-10-20 13:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641795

Investor Post-Close

No

XXXX

20250905582

XXXX

XXXX

XXXX

Closed

2024-10-20 14:43

2024-11-11 23:30

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024 Escalated-Escalated to XX for consideration.   - Due Diligence Vendor-10/31/2024 Unable to Resolve- - Due Diligence Vendor-10/30/2024 Ready for Review-Agree - CLTV exceeds guidelines of 65%.  CLTV 65.11%.  - Seller-10/29/2024 Open-Audited CLTV of 65.11% exceeds Guideline CLTV of 65% - Due Diligence Vendor-10/20/2024

Ready for Review-Agree - CLTV exceeds guidelines of 65%.  CLTV 65.11%.  - Seller-10/29/2024

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024

FICO 699;  CLTV 65%;  Residual Income $XXXX; Borrower has owned the home for 9 years

XX

Primary Residence

Refinance

Cash Out - Other

2641950

Investor Post-Close

No

XXXX

20250905582

XXXX

XXXX

XXXX

Closed

2024-10-20 14:13

2024-11-07 20:19

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Escalated-escalated to XX - Due Diligence Vendor-10/30/2024 Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/26/2024

Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2641857

N/A

N/A

XXXX

20250905582

XXXX

XXXX

XXXX

Closed

2024-10-20 13:39

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/20/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2641757

Investor Post-Close

No

XXXX

20250905582

XXXX

XXXX

XXXX

Closed

2024-10-20 17:52

2024-10-20 21:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642401

Investor Post-Close

No

XXXX

20250905263

XXXX

XXXX

XXXX

Closed

2024-10-21 11:50

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644668

Investor Post-Close

No

XXXX

20250905263

XXXX

XXXX

XXXX

Closed

2024-10-21 13:23

2024-10-21 13:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645600

Investor Post-Close

No

XXXX

20250905835

XXXX

XXXX

XXXX

Closed

2024-10-19 16:11

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639538

Investor Post-Close

No

XXXX

20250905835

XXXX

XXXX

XXXX

Closed

2024-10-19 17:30

2024-10-19 17:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2639745

Investor Post-Close

No

XXXX

20250905840

XXXX

XXXX

XXXX

Closed

2024-10-21 13:40

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645822

Investor Post-Close

No

XXXX

20250905840

XXXX

XXXX

XXXX

Closed

2024-10-21 15:10

2024-10-25 21:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647118

Investor Post-Close

No

XXXX

20250905174

XXXX

XXXX

XXXX

Closed

2024-10-21 16:00

2024-11-08 20:31

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided PCCD.  Condition cleared.  - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. From PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded - Seller-11/06/2024 Open-Final Closing Disclosure is missing or incomplete CA is dry funding state, a PCCD or Final Settlement statement is required - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. From PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded - Seller-11/06/2024

Resolved-Lender provided PCCD.  Condition cleared.  - Due Diligence Vendor-11/08/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2647869

N/A

N/A

XXXX

20250905174

XXXX

XXXX

XXXX

Closed

2024-10-21 15:20

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647295

Investor Post-Close

No

XXXX

20250905174

XXXX

XXXX

XXXX

Closed

2024-10-21 15:56

2024-10-21 15:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647802

Investor Post-Close

No

XXXX

20250905262

XXXX

XXXX

XXXX

Closed

2024-10-22 05:55

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2652448

Investor Post-Close

No

XXXX

20250905262

XXXX

XXXX

XXXX

Closed

2024-10-22 06:20

2024-10-23 15:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2652499

Investor Post-Close

No

XXXX

20250905394

XXXX

XXXX

XXXX

Closed

2024-10-22 11:42

2024-11-14 20:18

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/14/2024 Ready for Review-From Post Close area - the package that was issued on XX/XX/XXXX was not sent to the borrower.  This was the initial CD Balancing package issued to our title company. - Seller-11/13/2024 Counter-Lender provided Disclosure Tracking Details.  Page 1 of 2 is for the XX/XX/XXXX CD and does not indicate the document was received by the borrower.  The “Received Method” indicates “None” and the actual received date is blank.  Condition remains.   - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Disclosure tracking uploaded to show sent XX/XX/XXXX - Seller-10/28/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of (XX/XX/XXXX) with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of (XX/XX/XXXX). No Cure. - Due Diligence Vendor-10/22/2024

Ready for Review-From Post Close area - the package that was issued on XX/XX was not sent to the borrower.  This was the initial CD Balancing package issued to our title company. - Seller-11/13/2024  Ready for Review-Document Uploaded. Disclosure tracking uploaded to show sent XX/XX. - Seller-10/28/2024

Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared. - Due Diligence Vendor-11/14/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2653569

N/A

N/A

XXXX

20250905394

XXXX

XXXX

XXXX

Closed

2024-10-22 11:28

2024-11-11 16:28

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/22/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2653487

N/A

N/A

XXXX

20250905394

XXXX

XXXX

XXXX

Closed

2024-10-22 10:37

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653204

Investor Post-Close

No

XXXX

20250905394

XXXX

XXXX

XXXX

Closed

2024-10-22 11:48

2024-10-22 11:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653630

Investor Post-Close

No

XXXX

20250905143

XXXX

XXXX

XXXX

Closed

2024-10-22 10:39

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653234

Investor Post-Close

No

XXXX

20250905143

XXXX

XXXX

XXXX

Closed

2024-10-22 11:38

2024-10-22 16:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653539

Investor Post-Close

No

XXXX

20250906041

XXXX

XXXX

XXXX

Closed

2024-10-21 13:22

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2645583

Investor Post-Close

No

XXXX

20250906041

XXXX

XXXX

XXXX

Closed

2024-10-21 14:27

2024-10-21 14:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2646392

Investor Post-Close

No

XXXX

20250905532

XXXX

XXXX

XXXX

Closed

2024-10-22 14:46

2024-11-11 17:03

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/22/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2655452

N/A

N/A

XXXX

20250905532

XXXX

XXXX

XXXX

Closed

2024-10-22 14:26

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2655136

Investor Post-Close

No

XXXX

20250905532

XXXX

XXXX

XXXX

Closed

2024-10-22 15:12

2024-10-22 15:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2655788

Investor Post-Close

No

XXXX

20250905254

XXXX

XXXX

XXXX

Closed

2024-10-21 14:29

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2646422

Investor Post-Close

No

XXXX

20250905254

XXXX

XXXX

XXXX

Closed

2024-10-21 16:20

2024-10-21 16:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2648092

Investor Post-Close

No

XXXX

20250905157

XXXX

XXXX

XXXX

Closed

2024-10-21 12:32

2024-11-05 18:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024 Rescinded-Missing primary. THV in file is review product. - Due Diligence Vendor-10/22/2024 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024  Rescinded-Missing primary. THV in file is review product. - Due Diligence Vendor-10/22/2024  Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645062

Investor Post-Close

No

XXXX

20250905157

XXXX

XXXX

XXXX

Closed

2024-10-21 12:17

2024-11-05 18:47

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM which is acceptable per guidelines.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 8 (.08) The UW guidelines do not mention the confidence score only the FSD. - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing. Missing Clear AVM required by gudielines.  Additionally, the XXXXXXXXX doc in file has an FSD score of 8 which does not match the Confidence score of 87. - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 8 (.08) The UW guidelines do not mention the confidence score only the FSD. - Seller-11/02/2024

Resolved-Lender provided AVM which is acceptable per guidelines.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024

avm.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2644893

N/A

N/A

XXXX

20250905157

XXXX

XXXX

XXXX

Closed

2024-10-21 12:01

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644748

Investor Post-Close

No

XXXX

20250905452

XXXX

XXXX

XXXX

Closed

2024-10-22 15:55

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2656777

Investor Post-Close

No

XXXX

20250905452

XXXX

XXXX

XXXX

Closed

2024-10-22 17:38

2024-10-22 17:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658063

Investor Post-Close

No

XXXX

20250905401

XXXX

XXXX

XXXX

Closed

2024-10-22 10:35

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653197

Investor Post-Close

No

XXXX

20250905401

XXXX

XXXX

XXXX

Closed

2024-10-21 19:55

2024-10-21 19:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2650756

Investor Post-Close

No

XXXX

20250905486

XXXX

XXXX

XXXX

Closed

2024-10-22 17:45

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658148

Investor Post-Close

No

XXXX

20250905486

XXXX

XXXX

XXXX

Closed

2024-10-23 13:49

2024-10-30 20:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. CU score 2.8 - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. CU score 2.8 - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2663770

Investor Post-Close

No

XXXX

20250905122

XXXX

XXXX

XXXX

Closed

2024-10-21 16:57

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2648523

Investor Post-Close

No

XXXX

20250905122

XXXX

XXXX

XXXX

Closed

2024-10-21 17:42

2024-10-21 17:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2649122

Investor Post-Close

No

XXXX

20250905409

XXXX

XXXX

XXXX

Closed

2024-10-21 18:59

2024-11-05 20:07

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024 Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 7  (.07) This full AVM is in the imaged loan file. - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/21/2024

Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 7  (.07) This full AVM is in the imaged loan file. - Seller-11/02/2024

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650052

N/A

N/A

XXXX

20250905409

XXXX

XXXX

XXXX

Closed

2024-10-21 18:47

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649893

Investor Post-Close

No

XXXX

20250905409

XXXX

XXXX

XXXX

Closed

2024-10-21 19:17

2024-10-21 19:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2650280

Investor Post-Close

No

XXXX

20250905463

XXXX

XXXX

XXXX

Closed

2024-10-24 12:16

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671773

Investor Post-Close

No

XXXX

20250905463

XXXX

XXXX

XXXX

Closed

2024-10-24 12:46

2024-10-24 12:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672019

Investor Post-Close

No

XXXX

20250905643

XXXX

XXXX

XXXX

Closed

2024-10-21 14:46

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2646681

Investor Post-Close

No

XXXX

20250905643

XXXX

XXXX

XXXX

Closed

2024-10-21 14:48

2024-10-21 14:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2646718

Investor Post-Close

No

XXXX

20250905536

XXXX

XXXX

XXXX

Closed

2024-10-22 10:45

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653247

Investor Post-Close

No

XXXX

20250905536

XXXX

XXXX

XXXX

Closed

2024-10-22 11:44

2024-10-22 11:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653589

Investor Post-Close

No

XXXX

20250905348

XXXX

XXXX

XXXX

Closed

2024-10-23 11:07

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662420

Investor Post-Close

No

XXXX

20250905348

XXXX

XXXX

XXXX

Closed

2024-10-23 11:38

2024-10-23 11:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662668

Investor Post-Close

No

XXXX

20250905496

XXXX

XXXX

XXXX

Closed

2024-10-21 21:04

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2651339

Investor Post-Close

No

XXXX

20250905496

XXXX

XXXX

XXXX

Closed

2024-10-21 22:07

2024-10-21 22:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2651702

Investor Post-Close

No

XXXX

20250905419

XXXX

XXXX

XXXX

Closed

2024-10-22 11:13

2024-11-05 14:39

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/22/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653398

N/A

N/A

XXXX

20250905419

XXXX

XXXX

XXXX

Closed

2024-10-22 10:58

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653316

Investor Post-Close

No

XXXX

20250905419

XXXX

XXXX

XXXX

Closed

2024-10-22 11:31

2024-10-22 11:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653495

Investor Post-Close

No

XXXX

20250905674

XXXX

XXXX

XXXX

Closed

2024-10-21 21:07

2024-10-31 14:03

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024 Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024 Open-Final Closing Disclosure is missing or incomplete Subject property located in dry funding state.  The file is missing a PCCD, or a Final Settlement Statement that matches the Final CD in file. - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. Uploaded disbursement and master settlement statement. - Seller-10/29/2024

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024

Final disbursement ledger and mss.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2651371

N/A

N/A

XXXX

20250905674

XXXX

XXXX

XXXX

Closed

2024-10-21 20:07

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2650869

Investor Post-Close

No

XXXX

20250905674

XXXX

XXXX

XXXX

Closed

2024-10-21 20:54

2024-10-21 20:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2651273

Investor Post-Close

No

XXXX

20250905214

XXXX

XXXX

XXXX

Closed

2024-10-22 19:24

2024-11-12 14:56

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-Lender provided executed NORTC.  Condition cleared. - Due Diligence Vendor-11/12/2024 Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. uploaded RTC - Seller-11/11/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. uploaded RTC - Seller-11/11/2024

Resolved-Lender provided executed NORTC.  Condition cleared. - Due Diligence Vendor-11/12/2024  Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/12/2024

RTC.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2659288

N/A

N/A

XXXX

20250905214

XXXX

XXXX

XXXX

Closed

2024-10-22 19:24

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659289

Investor Post-Close

No

XXXX

20250905214

XXXX

XXXX

XXXX

Closed

2024-10-22 19:50

2024-10-22 19:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659572

Investor Post-Close

No

XXXX

20250905567

XXXX

XXXX

XXXX

Closed

2024-10-23 12:13

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662948

Investor Post-Close

No

XXXX

20250905567

XXXX

XXXX

XXXX

Closed

2024-10-23 12:25

2024-10-23 12:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2663005

Investor Post-Close

No

XXXX

20250905346

XXXX

XXXX

XXXX

Closed

2024-10-21 06:24

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643347

Investor Post-Close

No

XXXX

20250905346

XXXX

XXXX

XXXX

Closed

2024-10-22 20:58

2024-10-22 20:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2660304

Originator Post-Close

No

XXXX

20250906017

XXXX

XXXX

XXXX

Closed

2024-11-01 16:57

2024-11-19 14:34

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.jpg

XX

Primary Residence

Purchase

NA

2729237

N/A

N/A

XXXX

20250906017

XXXX

XXXX

XXXX

Closed

2024-11-01 16:57

2024-11-19 14:34

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024 Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20)   - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking per XXXXXXX request - Seller-11/18/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Lender provided the Disclosure Tracking Summary which is sufficient evidence of the correct application date.  The initial disclosure date is within 3 business days from the corrected application date.  Condition cleared.   - Due Diligence Vendor-11/19/2024  Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX.jpg

XX

Primary Residence

Purchase

NA

2729236

N/A

N/A

XXXX

20250906017

XXXX

XXXX

XXXX

Closed

2024-11-01 16:37

2024-11-12 14:10

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-Lender provided 1st lien snapshot with all requested data. Condition cleared. - Due Diligence Vendor-11/12/2024 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. Uploaded 1st mortgage snapshot. The 1st mortgage was an assumption. - Seller-11/09/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements 1-Missing evidence of First Lien P&I payment and balance.  2-Missing evidence of Mortgage Insurance Payment on First Lien. - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. Uploaded 1st mortgage snapshot. The 1st mortgage was an assumption. - Seller-11/09/2024

Resolved-Lender provided 1st lien snapshot with all requested data. Condition cleared. - Due Diligence Vendor-11/12/2024  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/12/2024

1st mortgage.pdf

XX

Primary Residence

Purchase

NA

2729075

N/A

N/A

XXXX

20250906017

XXXX

XXXX

XXXX

Closed

2024-10-24 14:46

2024-11-12 14:09

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided 1st lien snapshot with all requested data.  Condition cleared.   - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. Uploaded 1st mortgage snapshot. The 1st mortgage was an assumption. - Seller-11/09/2024 Open-1-Missing evidence of First Lien P&I payment and balance.  2-Missing evidence of Mortgage Insurance Payment on First Lien. - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. Uploaded 1st mortgage snapshot. The 1st mortgage was an assumption. - Seller-11/09/2024

Resolved-Lender provided 1st lien snapshot with all requested data.  Condition cleared.   - Due Diligence Vendor-11/12/2024

1st mortgage.pdf

XX

Primary Residence

Purchase

NA

2673168

N/A

N/A

XXXX

20250906017

XXXX

XXXX

XXXX

Closed

2024-10-21 15:03

2024-11-07 17:38

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Purchase

NA

2646922

Investor Post-Close

No

XXXX

20250906017

XXXX

XXXX

XXXX

Closed

2024-10-24 14:58

2024-11-01 17:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Purchase

NA

2673292

Investor Post-Close

No

XXXX

20250905161

XXXX

XXXX

XXXX

Closed

2024-10-21 09:06

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2643858

Investor Post-Close

No

XXXX

20250905161

XXXX

XXXX

XXXX

Closed

2024-10-22 11:15

2024-10-22 11:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653412

Investor Post-Close

No

XXXX

20250905113

XXXX

XXXX

XXXX

Closed

2024-10-21 10:53

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644281

Investor Post-Close

No

XXXX

20250905113

XXXX

XXXX

XXXX

Closed

2024-10-21 14:11

2024-10-21 14:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2646175

Investor Post-Close

No

XXXX

20250905175

XXXX

XXXX

XXXX

Closed

2024-10-24 13:38

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672461

Investor Post-Close

No

XXXX

20250905491

XXXX

XXXX

XXXX

Closed

2024-10-23 17:15

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666642

Investor Post-Close

No

XXXX

20250905491

XXXX

XXXX

XXXX

Closed

2024-10-24 10:20

2024-10-24 10:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671066

Investor Post-Close

No

XXXX

20250905089

XXXX

XXXX

XXXX

Closed

2024-10-22 11:48

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653626

Investor Post-Close

No

XXXX

20250905089

XXXX

XXXX

XXXX

Closed

2024-10-25 17:37

2024-10-30 16:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684575

Investor Post-Close

No

XXXX

20250905373

XXXX

XXXX

XXXX

Closed

2024-10-21 11:12

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2644398

Investor Post-Close

No

XXXX

20250905373

XXXX

XXXX

XXXX

Closed

2024-10-22 15:51

2024-10-22 15:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2656721

Investor Post-Close

No

XXXX

20250905283

XXXX

XXXX

XXXX

Closed

2024-10-23 10:57

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662365

Investor Post-Close

No

XXXX

20250905283

XXXX

XXXX

XXXX

Closed

2024-10-23 11:32

2024-10-23 11:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662633

Investor Post-Close

No

XXXX

20250905461

XXXX

XXXX

XXXX

Closed

2024-10-28 05:39

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691361

Investor Post-Close

No

XXXX

20250905461

XXXX

XXXX

XXXX

Closed

2024-10-25 21:27

2024-10-31 20:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687121

Investor Post-Close

No

XXXX

20250905351

XXXX

XXXX

XXXX

Closed

2024-10-23 11:45

2024-11-12 18:24

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated- - Due Diligence Vendor-10/25/2024 Open- - Due Diligence Vendor-10/25/2024 Escalated-Escalated. - Due Diligence Vendor-10/25/2024 Open- - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/23/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662706

N/A

N/A

XXXX

20250905351

XXXX

XXXX

XXXX

Closed

2024-10-23 11:15

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662508

Investor Post-Close

No

XXXX

20250905351

XXXX

XXXX

XXXX

Closed

2024-10-23 11:37

2024-10-24 20:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662661

Investor Post-Close

No

XXXX

20250905513

XXXX

XXXX

XXXX

Closed

2024-10-22 10:57

2024-11-07 17:38

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653315

Investor Post-Close

No

XXXX

20250905513

XXXX

XXXX

XXXX

Closed

2024-10-24 13:50

2024-10-24 13:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672573

Investor Post-Close

No

XXXX

20250905093

XXXX

XXXX

XXXX

Closed

2024-10-22 10:50

2024-11-11 16:04

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/22/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653271

N/A

N/A

XXXX

20250905093

XXXX

XXXX

XXXX

Closed

2024-10-21 15:23

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2647327

Investor Post-Close

No

XXXX

20250905093

XXXX

XXXX

XXXX

Closed

2024-10-22 11:14

2024-10-22 11:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653402

Investor Post-Close

No

XXXX

20250905322

XXXX

XXXX

XXXX

Closed

2024-10-25 10:31

2025-01-15 19:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Paystubs Missing

Resolved-Lender provided full paystub.  Condition cleared.  - Due Diligence Vendor-11/19/2024 Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. UPLOADED full  pay stub - Seller-11/15/2024 Open-Borrower 1 Paystubs Missing Paystub provided in file is not complete, missing breakdown of deductions. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. UPLOADED full  pay stub - Seller-11/15/2024

Resolved-Lender provided full paystub.  Condition cleared.  - Due Diligence Vendor-11/19/2024  Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2679682

N/A

N/A

XXXX

20250905322

XXXX

XXXX

XXXX

Closed

2024-10-30 12:04

2025-01-15 19:00

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided full paystub.  Condition cleared.  - Due Diligence Vendor-11/19/2024 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded full pay stub - Seller-11/15/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements   - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. uploaded full pay stub - Seller-11/15/2024

Resolved-Lender provided full paystub.  Condition cleared.  - Due Diligence Vendor-11/19/2024  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2710302

N/A

N/A

XXXX

20250905322

XXXX

XXXX

XXXX

Closed

2024-10-24 19:05

2024-11-19 19:49

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided PCCD.  Condition cleared.  - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded PCCD and disbursement ledger - Seller-11/15/2024 Counter-Lender provided a PCCD however it is not for the subject borrower/property.  Condition remains.   - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. Per PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded - Seller-11/06/2024 Open-Final Closing Disclosure is missing or incomplete Subject property is located in dry funding state, loan file is missing PCCD.  - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. uploaded PCCD and disbursement ledger - Seller-11/15/2024  Ready for Review-Document Uploaded. Per PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded - Seller-11/06/2024

Resolved-Lender provided PCCD.  Condition cleared.  - Due Diligence Vendor-11/19/2024

package.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2676251

N/A

N/A

XXXX

20250905322

XXXX

XXXX

XXXX

Closed

2024-10-22 12:37

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2653960

Investor Post-Close

No

XXXX

20250905322

XXXX

XXXX

XXXX

Closed

2024-10-24 19:02

2024-10-24 19:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676232

Investor Post-Close

No

XXXX

20250905505

XXXX

XXXX

XXXX

Closed

2024-10-21 17:10

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2648673

Investor Post-Close

No

XXXX

20250905505

XXXX

XXXX

XXXX

Closed

2024-10-22 10:33

2024-10-22 10:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653192

Investor Post-Close

No

XXXX

20250905202

XXXX

XXXX

XXXX

Closed

2024-10-22 14:24

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655118

Investor Post-Close

No

XXXX

20250905202

XXXX

XXXX

XXXX

Closed

2024-10-24 20:14

2024-10-24 20:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676970

Investor Post-Close

No

XXXX

20250905147

XXXX

XXXX

XXXX

Closed

2024-10-22 12:58

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2654167

Investor Post-Close

No

XXXX

20250905147

XXXX

XXXX

XXXX

Closed

2024-10-22 14:26

2024-10-22 14:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655148

Investor Post-Close

No

XXXX

20250905133

XXXX

XXXX

XXXX

Closed

2024-10-23 14:13

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2664045

Investor Post-Close

No

XXXX

20250905133

XXXX

XXXX

XXXX

Closed

2024-10-24 09:30

2024-10-24 09:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2670882

Investor Post-Close

No

XXXX

20250905109

XXXX

XXXX

XXXX

Closed

2024-10-22 17:46

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2658151

Investor Post-Close

No

XXXX

20250905109

XXXX

XXXX

XXXX

Closed

2024-10-25 21:17

2024-10-25 21:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2687078

Investor Post-Close

No

XXXX

20250905260

XXXX

XXXX

XXXX

Closed

2024-10-23 03:57

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2661155

Investor Post-Close

No

XXXX

20250905260

XXXX

XXXX

XXXX

Closed

2024-10-23 05:17

2024-10-23 21:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2661307

Investor Post-Close

No

XXXX

20250905219

XXXX

XXXX

XXXX

Closed

2024-10-22 18:45

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658870

Investor Post-Close

No

XXXX

20250905219

XXXX

XXXX

XXXX

Closed

2024-10-22 19:25

2024-10-24 01:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659307

Investor Post-Close

No

XXXX

20250905255

XXXX

XXXX

XXXX

Closed

2024-10-22 14:06

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2654870

Investor Post-Close

No

XXXX

20250905315

XXXX

XXXX

XXXX

Closed

2024-10-22 19:20

2024-11-08 20:38

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided PCCD.  Condition cleared. - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. From PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded - Seller-11/06/2024 Open-Final Closing Disclosure is missing or incomplete Subject property located in dry funding state, loan file missing PCCD or a Final Settlement Statement is not matching the final CD. - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. From PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded - Seller-11/06/2024

Resolved-Lender provided PCCD.  Condition cleared. - Due Diligence Vendor-11/08/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2659246

N/A

N/A

XXXX

20250905315

XXXX

XXXX

XXXX

Closed

2024-10-22 18:26

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658656

Investor Post-Close

No

XXXX

20250905315

XXXX

XXXX

XXXX

Closed

2024-10-22 18:58

2024-10-22 18:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659015

Investor Post-Close

No

XXXX

20250905569

XXXX

XXXX

XXXX

Closed

2024-10-22 10:00

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653082

Investor Post-Close

No

XXXX

20250905569

XXXX

XXXX

XXXX

Closed

2024-10-22 15:09

2024-10-22 15:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2655770

Investor Post-Close

No

XXXX

20250905479

XXXX

XXXX

XXXX

Closed

2024-10-22 17:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2657984

Investor Post-Close

No

XXXX

20250905479

XXXX

XXXX

XXXX

Closed

2024-10-22 18:13

2024-10-22 18:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658482

Investor Post-Close

No

XXXX

20250905562

XXXX

XXXX

XXXX

Closed

2024-10-26 21:00

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689527

Investor Post-Close

No

XXXX

20250905562

XXXX

XXXX

XXXX

Closed

2024-10-26 21:31

2024-10-26 21:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689543

Investor Post-Close

No

XXXX

20250905560

XXXX

XXXX

XXXX

Closed

2024-10-22 19:54

2024-11-11 16:58

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/22/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2659623

N/A

N/A

XXXX

20250905560

XXXX

XXXX

XXXX

Closed

2024-10-22 19:32

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2659374

Investor Post-Close

No

XXXX

20250905560

XXXX

XXXX

XXXX

Closed

2024-10-22 20:11

2024-10-22 20:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2659810

Investor Post-Close

No

XXXX

20250905198

XXXX

XXXX

XXXX

Closed

2024-10-22 18:01

2024-11-05 14:42

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/22/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2658341

N/A

N/A

XXXX

20250905198

XXXX

XXXX

XXXX

Closed

2024-10-22 17:30

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2657930

Investor Post-Close

No

XXXX

20250905198

XXXX

XXXX

XXXX

Closed

2024-10-22 18:22

2024-10-22 18:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2658594

Investor Post-Close

No

XXXX

20250905173

XXXX

XXXX

XXXX

Closed

2024-10-24 12:40

2024-11-05 17:20

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671967

N/A

N/A

XXXX

20250905173

XXXX

XXXX

XXXX

Closed

2024-10-22 11:18

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653439

Investor Post-Close

No

XXXX

20250905173

XXXX

XXXX

XXXX

Closed

2024-10-24 13:11

2024-10-24 13:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672250

Investor Post-Close

No

XXXX

20250905180

XXXX

XXXX

XXXX

Closed

2024-10-23 19:35

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668318

Investor Post-Close

No

XXXX

20250905339

XXXX

XXXX

XXXX

Closed

2024-10-30 14:59

2024-11-18 16:02

Resolved

1 - Information

Property

Property

Property in Disaster Area - Property located in a FEMA declared disaster area. Inspection post incident was provided, however, notates damage to property

Resolved-Document Uploaded. Updated PDI obtained.  Roof repairs complete.  No Damage Noted. - Due Diligence Vendor-11/18/2024 Unable to Resolve-Unable to Resolve-Unable to resolve, responded to XXXXX w/ XX  via email.  - Seller-11/14/2024 Open-Evidence that damage has been repaired is required (New PDI report reflecting no damage or a certification from an appraiser stating they inspected the property and the damage was repaired). - Due Diligence Vendor-11/07/2024 Open-Property in Disaster Area - Property located in a FEMA declared disaster area. Inspection post incident was provided, however, damage to property was notated with no proof of repairs. "Roof shingles were in the process of being replaced, some tree debris in yards from hurricane did not affect value or marketability. Cost to repair between $XXXX - $XXXXX" - Due Diligence Vendor-10/30/2024

Unable to Resolve-Unable to Resolve-Unable to resolve, responded to Shane w/ XX  via email.  - Seller-11/14/2024

Resolved-Document Uploaded. Updated PDI obtained.  Roof repairs complete.  No Damage Noted. - Due Diligence Vendor-11/18/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2712394

N/A

N/A

XXXX

20250905339

XXXX

XXXX

XXXX

Closed

2024-10-18 19:04

2024-11-18 15:59

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-11/18/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided. Minor damage notes in the report. - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/18/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-11/18/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided. Minor damage notes in the report. - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2635145

N/A

N/A

XXXX

20250905339

XXXX

XXXX

XXXX

Closed

2024-10-18 18:30

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2634723

Investor Post-Close

No

XXXX

20250905339

XXXX

XXXX

XXXX

Closed

2024-10-18 19:42

2024-10-22 19:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2635672

Investor Post-Close

No

XXXX

20250905378

XXXX

XXXX

XXXX

Closed

2024-10-22 19:47

2024-12-17 18:09

Resolved

1 - Information

Credit

Closing

Borrower 1 Photo ID is expired

Resolved-Patriot Act form verifying current license received.  Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded. The drivers license in file was valid at time of loan origination.  At time of closing the closing agent completed the Patriot Act form verifying current license with an expiration date of 7/11/2029.  - Seller-12/17/2024 Open-Borrower photo ID expiration date is 07-11-2024 and note is dated 07-19-2024. - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. The drivers license in file was valid at time of loan origination.  At time of closing the closing agent completed the Patriot Act form verifying current license with an expiration date of 7/11/2029.  - Seller-12/17/2024

Resolved-Patriot Act form verifying current license received.  Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/17/2024

Patriot Act.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2659544

N/A

N/A

XXXX

20250905378

XXXX

XXXX

XXXX

Closed

2024-10-22 20:20

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659927

Investor Post-Close

No

XXXX

20250905378

XXXX

XXXX

XXXX

Closed

2024-10-22 20:28

2024-10-22 20:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2660006

Investor Post-Close

No

XXXX

20250905546

XXXX

XXXX

XXXX

Closed

2024-10-23 12:04

2024-11-11 17:58

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/23/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2662872

N/A

N/A

XXXX

20250905546

XXXX

XXXX

XXXX

Closed

2024-10-23 11:53

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662770

Investor Post-Close

No

XXXX

20250905546

XXXX

XXXX

XXXX

Closed

2024-10-23 13:05

2024-10-23 13:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2663366

Investor Post-Close

No

XXXX

20250905110

XXXX

XXXX

XXXX

Closed

2024-10-23 17:39

2024-11-12 15:02

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-Lender provided executed NORTC.  Condition cleared.  - Due Diligence Vendor-11/12/2024 Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. uploaded RTC - Seller-11/11/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. Right to Cancel form was not signed by Borrower or Co-Borrower. - Due Diligence Vendor-10/23/2024

Ready for Review-Document Uploaded. uploaded RTC - Seller-11/11/2024

Resolved-Lender provided executed NORTC.  Condition cleared.  - Due Diligence Vendor-11/12/2024  Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/12/2024

RTC.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2666911

N/A

N/A

XXXX

20250905110

XXXX

XXXX

XXXX

Closed

2024-10-23 14:55

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2664526

Investor Post-Close

No

XXXX

20250905110

XXXX

XXXX

XXXX

Closed

2024-10-23 15:13

2024-10-23 15:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665044

Investor Post-Close

No

XXXX

20250905393

XXXX

XXXX

XXXX

Closed

2024-10-21 18:28

2024-11-05 14:47

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024 Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/21/2024

Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided with no damage noted.  Condition cleared.   - Due Diligence Vendor-11/05/2024  Resolved-Document Uploaded.  - Due Diligence Vendor-10/30/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2649695

N/A

N/A

XXXX

20250905393

XXXX

XXXX

XXXX

Closed

2024-10-21 17:43

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2649133

Investor Post-Close

No

XXXX

20250905410

XXXX

XXXX

XXXX

Closed

2024-10-22 17:21

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2657842

Investor Post-Close

No

XXXX

20250905301

XXXX

XXXX

XXXX

Closed

2024-10-23 17:34

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666841

Investor Post-Close

No

XXXX

20250905301

XXXX

XXXX

XXXX

Closed

2024-10-23 18:49

2024-10-23 18:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2667793

Investor Post-Close

No

XXXX

20250905565

XXXX

XXXX

XXXX

Closed

2024-10-22 17:40

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658083

Investor Post-Close

No

XXXX

20250905565

XXXX

XXXX

XXXX

Closed

2024-10-23 15:28

2024-10-30 21:13

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded policy in effect at time of closing  - Seller-10/29/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing Hazard Insurance policy - Due Diligence Vendor-10/27/2024

Ready for Review-Document Uploaded. Uploaded policy in effect at time of closing  - Seller-10/29/2024

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2024

Hazard Insurance (2).pdf

XX

Primary Residence

Refinance

Cash Out - Other

2665353

N/A

N/A

XXXX

20250905565

XXXX

XXXX

XXXX

Closed

2024-10-22 18:10

2024-10-30 21:13

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded. Uploaded policy in effect at time of closing  - Seller-10/29/2024 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. Uploaded policy in effect at time of closing  - Seller-10/29/2024

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2024

Hazard Insurance (2).pdf

XX

Primary Residence

Refinance

Cash Out - Other

2658449

N/A

N/A

XXXX

20250905565

XXXX

XXXX

XXXX

Closed

2024-10-22 19:08

2024-10-22 19:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659119

Investor Post-Close

No

XXXX

20250905523

XXXX

XXXX

XXXX

Closed

2024-10-21 08:18

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643719

Investor Post-Close

No

XXXX

20250905523

XXXX

XXXX

XXXX

Closed

2024-10-21 08:45

2024-10-22 16:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643791

Investor Post-Close

No

XXXX

20250905237

XXXX

XXXX

XXXX

Closed

2024-10-25 21:04

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686972

Investor Post-Close

No

XXXX

20250905237

XXXX

XXXX

XXXX

Closed

2024-10-25 21:02

2024-10-25 21:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686957

Investor Post-Close

No

XXXX

20250905515

XXXX

XXXX

XXXX

Closed

2024-10-24 10:01

2024-11-04 20:51

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2670991

Investor Post-Close

No

XXXX

20250905515

XXXX

XXXX

XXXX

Closed

2024-10-24 17:57

2024-10-30 23:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675475

Investor Post-Close

No

XXXX

20250905211

XXXX

XXXX

XXXX

Closed

2024-10-23 13:31

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2663618

Investor Post-Close

No

XXXX

20250905211

XXXX

XXXX

XXXX

Closed

2024-10-23 14:32

2024-10-23 22:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2664256

Investor Post-Close

No

XXXX

20250905406

XXXX

XXXX

XXXX

Closed

2024-10-22 18:27

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658670

Investor Post-Close

No

XXXX

20250905406

XXXX

XXXX

XXXX

Closed

2024-10-22 19:25

2024-10-22 19:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659299

Investor Post-Close

No

XXXX

20250905225

XXXX

XXXX

XXXX

Closed

2024-10-23 20:14

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2668705

Investor Post-Close

No

XXXX

20250905225

XXXX

XXXX

XXXX

Closed

2024-10-23 20:46

2024-10-23 20:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2669031

Investor Post-Close

No

XXXX

20250906100

XXXX

XXXX

XXXX

Closed

2024-10-24 15:04

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2673362

Investor Post-Close

No

XXXX

20250906100

XXXX

XXXX

XXXX

Closed

2024-10-25 18:22

2024-10-28 15:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2685184

Investor Post-Close

No

XXXX

20250905256

XXXX

XXXX

XXXX

Closed

2024-10-21 00:35

2024-11-05 17:09

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2642895

N/A

N/A

XXXX

20250905256

XXXX

XXXX

XXXX

Closed

2024-10-21 01:06

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642916

Investor Post-Close

No

XXXX

20250905256

XXXX

XXXX

XXXX

Closed

2024-10-21 01:20

2024-10-21 01:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2642936

Investor Post-Close

No

XXXX

20250905120

XXXX

XXXX

XXXX

Closed

2024-10-21 09:56

2024-11-21 18:29

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Lender provided ALTA with itemization of the title fees.  Condition cleared.   - Due Diligence Vendor-11/21/2024 Resolved-Resolved - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. From PC area - According to the ALTA(Uploaded to XX SALE) these two fees are XXX.XX Title Binder and XX XXXXXXXXX Lien.  Both are non APR - Seller-11/20/2024 Counter-The issue is related to under disclosed finance charges. It appears the Title Services, totaling $XXX.XX, were not included in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. Condition maintained. - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. From PC area - Disagree - The APR on inital LE was 10.595% on Closing CD the APR was XX.XX%  Disclosure Tracking was uploaded to XX SALE  - Seller-11/07/2024 Open-The disclosed finance charge ($XX,XXX.XX) is ($XXX.XX) below the actual finance charge($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the lender did not include the Processing Fee in the amount of $XXX.XX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. From PC area - According to the ALTA(Uploaded to XX SALE) these two fees are 100.00 Title Binder and XX XXXXXXXXXX Lien.  Both are non APR - Seller-11/20/2024  Ready for Review-Document Uploaded. From PC area - Disagree - The APR on inital LE was 10.595% on Closing CD the APR was XX.XX%  Disclosure Tracking was uploaded to XX SALE  - Seller-11/07/2024

Resolved-Lender provided ALTA with itemization of the title fees.  Condition cleared.   - Due Diligence Vendor-11/21/2024  Resolved-Resolved - Due Diligence Vendor-11/21/2024

package.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2644031

N/A

N/A

XXXX

20250905120

XXXX

XXXX

XXXX

Closed

2024-10-21 09:07

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2643860

Investor Post-Close

No

XXXX

20250905120

XXXX

XXXX

XXXX

Closed

2024-10-23 09:46

2024-10-23 09:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662066

Investor Post-Close

No

XXXX

20250905566

XXXX

XXXX

XXXX

Closed

2024-10-22 19:04

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659072

Investor Post-Close

No

XXXX

20250905566

XXXX

XXXX

XXXX

Closed

2024-10-22 19:53

2024-10-22 19:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659598

Investor Post-Close

No

XXXX

20250905236

XXXX

XXXX

XXXX

Closed

2024-10-27 10:26

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690183

Investor Post-Close

No

XXXX

20250905236

XXXX

XXXX

XXXX

Closed

2024-10-27 11:23

2024-10-27 11:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690260

Investor Post-Close

No

XXXX

20250905520

XXXX

XXXX

XXXX

Closed

2024-10-23 17:50

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2667064

Investor Post-Close

No

XXXX

20250905140

XXXX

XXXX

XXXX

Closed

2024-10-22 18:46

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2658897

Investor Post-Close

No

XXXX

20250905140

XXXX

XXXX

XXXX

Closed

2024-10-23 11:05

2024-10-24 12:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662406

Investor Post-Close

No

XXXX

20250905446

XXXX

XXXX

XXXX

Closed

2024-10-23 12:12

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662935

Investor Post-Close

No

XXXX

20250905446

XXXX

XXXX

XXXX

Closed

2024-10-23 13:10

2024-10-23 13:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2663397

Investor Post-Close

No

XXXX

20250905330

XXXX

XXXX

XXXX

Closed

2024-10-23 12:05

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662879

Investor Post-Close

No

XXXX

20250905330

XXXX

XXXX

XXXX

Closed

2024-10-23 13:22

2024-10-30 18:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663506

Investor Post-Close

No

XXXX

20250905282

XXXX

XXXX

XXXX

Closed

2024-10-24 12:01

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671603

Investor Post-Close

No

XXXX

20250905282

XXXX

XXXX

XXXX

Closed

2024-10-25 13:25

2024-10-25 13:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681130

Investor Post-Close

No

XXXX

20250905210

XXXX

XXXX

XXXX

Closed

2024-10-24 00:49

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2669890

Investor Post-Close

No

XXXX

20250905210

XXXX

XXXX

XXXX

Closed

2024-10-25 12:29

2024-10-25 12:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680503

Investor Post-Close

No

XXXX

20250905163

XXXX

XXXX

XXXX

Closed

2024-10-23 11:10

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662444

Investor Post-Close

No

XXXX

20250905163

XXXX

XXXX

XXXX

Closed

2024-10-23 12:07

2024-10-23 12:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662908

Investor Post-Close

No

XXXX

20250905599

XXXX

XXXX

XXXX

Closed

2024-10-18 18:44

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/18/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2634865

Investor Post-Close

No

XXXX

20250905599

XXXX

XXXX

XXXX

Closed

2024-10-18 19:45

2024-10-29 10:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

2635694

Investor Post-Close

No

XXXX

20250905484

XXXX

XXXX

XXXX

Closed

2024-10-23 11:06

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662407

Investor Post-Close

No

XXXX

20250905484

XXXX

XXXX

XXXX

Closed

2024-10-23 13:04

2024-10-23 13:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663349

Investor Post-Close

No

XXXX

20250905514

XXXX

XXXX

XXXX

Closed

2024-10-25 11:02

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679847

Investor Post-Close

No

XXXX

20250905514

XXXX

XXXX

XXXX

Closed

2024-10-25 11:43

2024-10-25 11:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680162

Investor Post-Close

No

XXXX

20250905115

XXXX

XXXX

XXXX

Closed

2024-10-23 14:15

2024-11-11 17:17

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/23/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2664065

N/A

N/A

XXXX

20250905115

XXXX

XXXX

XXXX

Closed

2024-10-23 13:55

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663841

Investor Post-Close

No

XXXX

20250905115

XXXX

XXXX

XXXX

Closed

2024-10-23 14:32

2024-10-23 14:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2664252

Investor Post-Close

No

XXXX

20250905416

XXXX

XXXX

XXXX

Closed

2024-10-23 18:40

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2667689

Investor Post-Close

No

XXXX

20250905416

XXXX

XXXX

XXXX

Closed

2024-10-23 19:19

2024-10-23 19:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2668134

Investor Post-Close

No

XXXX

20250905415

XXXX

XXXX

XXXX

Closed

2024-10-24 20:59

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2677393

Investor Post-Close

No

XXXX

20250905415

XXXX

XXXX

XXXX

Closed

2024-10-25 10:25

2024-10-25 10:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2679650

Investor Post-Close

No

XXXX

20250905106

XXXX

XXXX

XXXX

Closed

2024-10-23 12:00

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662834

Investor Post-Close

No

XXXX

20250905106

XXXX

XXXX

XXXX

Closed

2024-10-23 13:51

2024-10-23 13:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2663776

Investor Post-Close

No

XXXX

20250905544

XXXX

XXXX

XXXX

Closed

2024-10-25 16:08

2024-11-21 17:25

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-Lender provided executed NORTC.  Condition cleared. - Due Diligence Vendor-11/21/2024 Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. uploaded signed RTC - Seller-11/20/2024 Counter-Lender provided a copy of the NORTC however it does not include the borrower's signature for acknowledgement of receipt.  Condition remains.   - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. uploaded RTC - Seller-11/08/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. uploaded signed RTC - Seller-11/20/2024  Ready for Review-Document Uploaded. uploaded RTC - Seller-11/08/2024

Resolved-Lender provided executed NORTC.  Condition cleared. - Due Diligence Vendor-11/21/2024  Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/21/2024

RTC.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683547

N/A

N/A

XXXX

20250905544

XXXX

XXXX

XXXX

Closed

2024-10-25 16:52

2024-11-04 17:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2684057

Investor Post-Close

No

XXXX

20250905544

XXXX

XXXX

XXXX

Closed

2024-10-25 16:08

2024-10-28 17:59

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683548

Investor Post-Close

No

XXXX

20250905487

XXXX

XXXX

XXXX

Closed

2024-10-23 15:22

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665296

Investor Post-Close

No

XXXX

20250905487

XXXX

XXXX

XXXX

Closed

2024-10-23 15:56

2024-10-23 15:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665699

Investor Post-Close

No

XXXX

20250905545

XXXX

XXXX

XXXX

Closed

2024-10-24 14:35

2024-11-11 20:13

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2673049

N/A

N/A

XXXX

20250905545

XXXX

XXXX

XXXX

Closed

2024-10-24 13:42

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672501

Investor Post-Close

No

XXXX

20250905545

XXXX

XXXX

XXXX

Closed

2024-10-24 14:52

2024-10-24 14:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673220

Investor Post-Close

No

XXXX

20250905449

XXXX

XXXX

XXXX

Closed

2024-10-24 14:55

2024-11-04 20:51

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2673252

Investor Post-Close

No

XXXX

20250905449

XXXX

XXXX

XXXX

Closed

2024-10-28 11:26

2024-10-28 11:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692401

Investor Post-Close

No

XXXX

20250905116

XXXX

XXXX

XXXX

Closed

2024-10-22 14:51

2024-11-06 15:47

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. "11/4/2024 - UW guidelines permitted use of XXXXXXXXX Full AVM. The FSD score is 9 (.09). Please re-visit and/or escalate to XX. "  - Seller-11/04/2024 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. "11/4/2024 - UW guidelines permitted use of XXXXXXXX Full AVM. The FSD score is 9 (.09). Please re-visit and/or escalate to GS. "  - Seller-11/04/2024

Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/06/2024  Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/06/2024

avm.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2655526

N/A

N/A

XXXX

20250905116

XXXX

XXXX

XXXX

Closed

2024-10-22 14:28

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655171

Investor Post-Close

No

XXXX

20250905116

XXXX

XXXX

XXXX

Closed

2024-10-22 15:06

2024-10-22 15:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655741

Investor Post-Close

No

XXXX

20250905298

XXXX

XXXX

XXXX

Closed

2024-10-21 13:36

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645767

Investor Post-Close

No

XXXX

20250905298

XXXX

XXXX

XXXX

Closed

2024-10-22 17:07

2024-10-22 17:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2657662

Investor Post-Close

No

XXXX

20250905341

XXXX

XXXX

XXXX

Closed

2024-10-23 14:03

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2663927

Investor Post-Close

No

XXXX

20250905265

XXXX

XXXX

XXXX

Closed

2024-10-23 16:37

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666222

Investor Post-Close

No

XXXX

20250905265

XXXX

XXXX

XXXX

Closed

2024-10-23 17:12

2024-10-23 17:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666605

Investor Post-Close

No

XXXX

20250905241

XXXX

XXXX

XXXX

Closed

2024-10-27 07:48

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689965

Investor Post-Close

No

XXXX

20250905241

XXXX

XXXX

XXXX

Closed

2024-10-27 10:18

2024-10-27 10:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690176

Investor Post-Close

No

XXXX

20250905293

XXXX

XXXX

XXXX

Closed

2024-10-24 15:20

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2673499

Investor Post-Close

No

XXXX

20250905293

XXXX

XXXX

XXXX

Closed

2024-10-24 15:56

2024-10-24 15:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2674231

Investor Post-Close

No

XXXX

20250905266

XXXX

XXXX

XXXX

Closed

2024-10-24 13:40

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672473

Investor Post-Close

No

XXXX

20250905266

XXXX

XXXX

XXXX

Closed

2024-10-24 14:35

2024-10-24 14:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673048

Investor Post-Close

No

XXXX

20250905107

XXXX

XXXX

XXXX

Closed

2024-10-23 13:45

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663742

Investor Post-Close

No

XXXX

20250905107

XXXX

XXXX

XXXX

Closed

2024-10-23 15:28

2024-10-23 15:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2665356

Investor Post-Close

No

XXXX

20250905194

XXXX

XXXX

XXXX

Closed

2024-10-24 11:52

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671552

Investor Post-Close

No

XXXX

20250905194

XXXX

XXXX

XXXX

Closed

2024-10-24 12:27

2024-10-24 12:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671864

Investor Post-Close

No

XXXX

20250905324

XXXX

XXXX

XXXX

Closed

2024-10-23 11:48

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662728

Investor Post-Close

No

XXXX

20250905324

XXXX

XXXX

XXXX

Closed

2024-10-23 13:25

2024-10-23 13:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2663544

Investor Post-Close

No

XXXX

20250905540

XXXX

XXXX

XXXX

Closed

2024-10-23 15:16

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665192

Investor Post-Close

No

XXXX

20250905540

XXXX

XXXX

XXXX

Closed

2024-10-23 16:04

2024-10-28 13:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665833

Investor Post-Close

No

XXXX

20250905114

XXXX

XXXX

XXXX

Closed

2024-10-24 14:53

2024-11-05 17:34

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2673237

N/A

N/A

XXXX

20250905114

XXXX

XXXX

XXXX

Closed

2024-10-24 14:35

2024-11-04 20:51

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673042

Investor Post-Close

No

XXXX

20250905114

XXXX

XXXX

XXXX

Closed

2024-10-24 15:13

2024-10-24 15:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673447

Investor Post-Close

No

XXXX

20250905208

XXXX

XXXX

XXXX

Closed

2024-10-24 18:30

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2675905

Investor Post-Close

No

XXXX

20250905208

XXXX

XXXX

XXXX

Closed

2024-10-24 19:11

2024-10-24 19:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2676318

Investor Post-Close

No

XXXX

20250905370

XXXX

XXXX

XXXX

Closed

2024-10-24 14:31

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672989

Investor Post-Close

No

XXXX

20250905370

XXXX

XXXX

XXXX

Closed

2024-10-24 14:52

2024-10-24 14:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673221

Investor Post-Close

No

XXXX

20250905501

XXXX

XXXX

XXXX

Closed

2024-10-24 18:40

2024-11-11 19:17

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2675998

N/A

N/A

XXXX

20250905501

XXXX

XXXX

XXXX

Closed

2024-10-24 18:15

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675690

Investor Post-Close

No

XXXX

20250905501

XXXX

XXXX

XXXX

Closed

2024-10-24 18:37

2024-10-24 18:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675986

Investor Post-Close

No

XXXX

20250905428

XXXX

XXXX

XXXX

Closed

2024-10-23 14:09

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2664016

Investor Post-Close

No

XXXX

20250905428

XXXX

XXXX

XXXX

Closed

2024-10-31 19:39

2024-11-01 12:10

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2723967

Investor Post-Close

No

XXXX

20250905531

XXXX

XXXX

XXXX

Closed

2024-10-24 15:45

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2674083

Investor Post-Close

No

XXXX

20250905531

XXXX

XXXX

XXXX

Closed

2024-10-24 16:14

2024-10-25 12:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2674424

Investor Post-Close

No

XXXX

20250905244

XXXX

XXXX

XXXX

Closed

2024-10-22 12:34

2024-11-11 16:10

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/22/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653940

N/A

N/A

XXXX

20250905244

XXXX

XXXX

XXXX

Closed

2024-10-22 11:58

2024-11-04 18:23

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2653697

Investor Post-Close

No

XXXX

20250905244

XXXX

XXXX

XXXX

Closed

2024-10-22 13:16

2024-10-22 13:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2654348

Investor Post-Close

No

XXXX

20250905217

XXXX

XXXX

XXXX

Closed

2024-10-24 07:07

2024-11-14 18:08

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-TILA: Evidence of executed NORTC(s) provided.  Resolved. - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. uploaded esigned RTC - Seller-11/13/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. uploaded esigned RTC - Seller-11/13/2024

Resolved-TILA: Evidence of executed NORTC(s) provided.  Resolved. - Due Diligence Vendor-11/14/2024

RTC.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2670550

N/A

N/A

XXXX

20250905217

XXXX

XXXX

XXXX

Closed

2024-10-24 11:09

2024-11-11 19:34

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application - Not Executed

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/11/2024 Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. uploaded signed 1003 - Seller-11/09/2024 Open-The Final 1003 is Not Executed - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. uploaded signed 1003 - Seller-11/09/2024

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/11/2024  Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/11/2024

1003.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2671288

N/A

N/A

XXXX

20250905217

XXXX

XXXX

XXXX

Closed

2024-10-24 05:59

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2670370

Investor Post-Close

No

XXXX

20250905217

XXXX

XXXX

XXXX

Closed

2024-10-24 11:00

2024-11-01 14:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671253

Investor Post-Close

No

XXXX

20250905550

XXXX

XXXX

XXXX

Closed

2024-10-24 18:28

2024-11-11 20:18

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection. - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2675867

N/A

N/A

XXXX

20250905550

XXXX

XXXX

XXXX

Closed

2024-10-24 18:06

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675573

Investor Post-Close

No

XXXX

20250905550

XXXX

XXXX

XXXX

Closed

2024-10-24 18:44

2024-10-24 18:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676049

Investor Post-Close

No

XXXX

20250905199

XXXX

XXXX

XXXX

Closed

2024-10-23 14:49

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2664460

Investor Post-Close

No

XXXX

20250905199

XXXX

XXXX

XXXX

Closed

2024-10-23 15:30

2024-10-23 15:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665383

Investor Post-Close

No

XXXX

20250905377

XXXX

XXXX

XXXX

Closed

2024-10-23 17:23

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666719

Investor Post-Close

No

XXXX

20250905377

XXXX

XXXX

XXXX

Closed

2024-10-23 17:50

2024-10-23 18:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2667053

Investor Post-Close

No

XXXX

20250905547

XXXX

XXXX

XXXX

Closed

2024-10-23 10:51

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662333

Investor Post-Close

No

XXXX

20250905547

XXXX

XXXX

XXXX

Closed

2024-10-23 11:26

2024-10-23 11:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662570

Investor Post-Close

No

XXXX

20250905516

XXXX

XXXX

XXXX

Closed

2024-10-24 10:24

2024-11-05 17:32

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2671097

N/A

N/A

XXXX

20250905516

XXXX

XXXX

XXXX

Closed

2024-10-23 19:48

2024-11-04 20:51

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668433

Investor Post-Close

No

XXXX

20250905516

XXXX

XXXX

XXXX

Closed

2024-10-24 10:42

2024-10-24 10:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671182

Investor Post-Close

No

XXXX

20250905191

XXXX

XXXX

XXXX

Closed

2024-10-23 13:37

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663650

Investor Post-Close

No

XXXX

20250905191

XXXX

XXXX

XXXX

Closed

2024-10-24 11:35

2024-10-24 11:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671443

Investor Post-Close

No

XXXX

20250905235

XXXX

XXXX

XXXX

Closed

2024-10-23 11:30

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662607

Investor Post-Close

No

XXXX

20250905235

XXXX

XXXX

XXXX

Closed

2024-10-23 12:13

2024-10-23 12:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662950

Investor Post-Close

No

XXXX

20250905407

XXXX

XXXX

XXXX

Closed

2024-10-23 11:36

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662656

Investor Post-Close

No

XXXX

20250905134

XXXX

XXXX

XXXX

Closed

2024-10-22 20:11

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659815

Investor Post-Close

No

XXXX

20250905134

XXXX

XXXX

XXXX

Closed

2024-10-23 10:32

2024-10-23 20:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662234

Investor Post-Close

No

XXXX

20250905349

XXXX

XXXX

XXXX

Closed

2024-10-24 09:53

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2670962

Investor Post-Close

No

XXXX

20250905349

XXXX

XXXX

XXXX

Closed

2024-10-24 09:54

2024-10-24 09:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2670967

Investor Post-Close

No

XXXX

20250905118

XXXX

XXXX

XXXX

Closed

2024-10-23 20:22

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668786

Investor Post-Close

No

XXXX

20250905118

XXXX

XXXX

XXXX

Closed

2024-10-24 10:22

2024-10-24 10:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671082

Investor Post-Close

No

XXXX

20250905429

XXXX

XXXX

XXXX

Closed

2024-10-25 13:30

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2681205

Investor Post-Close

No

XXXX

20250905429

XXXX

XXXX

XXXX

Closed

2024-10-25 14:15

2024-10-31 22:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2681755

Investor Post-Close

No

XXXX

20250905264

XXXX

XXXX

XXXX

Closed

2024-10-24 19:00

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676208

Investor Post-Close

No

XXXX

20250905264

XXXX

XXXX

XXXX

Closed

2024-10-24 19:50

2024-10-24 19:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676731

Investor Post-Close

No

XXXX

20250905250

XXXX

XXXX

XXXX

Closed

2024-10-24 14:43

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673124

Investor Post-Close

No

XXXX

20250905559

XXXX

XXXX

XXXX

Closed

2024-10-27 17:03

2024-12-16 20:07

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided PCCD.  Condition cleared.  - Due Diligence Vendor-12/16/2024 Ready for Review-Document Uploaded. uploaded documents. - Seller-12/16/2024 Open-Condition Document (Package.pdf) cannot be opened.  Please reupload the Condition Document. - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. uploaded final alta, pccd, ledger - Seller-11/13/2024 Open-Final Closing Disclosure is missing or incomplete Subject property located in dry funding state, loan file missing PCCD or a Final Settlement Statement to validate final fugures - Due Diligence Vendor-10/27/2024

Ready for Review-Document Uploaded. uploaded documents. - Seller-12/16/2024  Ready for Review-Document Uploaded. uploaded final alta, pccd, ledger - Seller-11/13/2024

Resolved-Lender provided PCCD.  Condition cleared.  - Due Diligence Vendor-12/16/2024

package.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2690792

N/A

N/A

XXXX

20250905559

XXXX

XXXX

XXXX

Closed

2024-10-26 20:14

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689463

Investor Post-Close

No

XXXX

20250905559

XXXX

XXXX

XXXX

Closed

2024-10-26 20:53

2024-10-26 20:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689521

Investor Post-Close

No

XXXX

20250905399

XXXX

XXXX

XXXX

Closed

2024-10-24 12:54

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672080

Investor Post-Close

No

XXXX

20250905399

XXXX

XXXX

XXXX

Closed

2024-10-24 13:46

2024-10-24 13:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672547

Investor Post-Close

No

XXXX

20250905203

XXXX

XXXX

XXXX

Closed

2024-10-23 15:21

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665281

Investor Post-Close

No

XXXX

20250905117

XXXX

XXXX

XXXX

Closed

2024-10-25 17:28

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684462

Investor Post-Close

No

XXXX

20250905117

XXXX

XXXX

XXXX

Closed

2024-10-25 18:00

2024-10-25 18:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684921

Investor Post-Close

No

XXXX

20250905379

XXXX

XXXX

XXXX

Closed

2024-10-22 15:46

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2656669

Investor Post-Close

No

XXXX

20250905379

XXXX

XXXX

XXXX

Closed

2024-10-22 17:31

2024-10-22 17:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2657955

Investor Post-Close

No

XXXX

20250905444

XXXX

XXXX

XXXX

Closed

2024-10-23 07:52

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2661719

Investor Post-Close

No

XXXX

20250905444

XXXX

XXXX

XXXX

Closed

2024-10-23 08:17

2024-10-23 08:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2661780

Investor Post-Close

No

XXXX

20250905286

XXXX

XXXX

XXXX

Closed

2024-10-23 10:48

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662324

Investor Post-Close

No

XXXX

20250905286

XXXX

XXXX

XXXX

Closed

2024-10-23 11:23

2024-10-23 11:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2662541

Investor Post-Close

No

XXXX

20250905535

XXXX

XXXX

XXXX

Closed

2024-10-25 03:53

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2678459

Investor Post-Close

No

XXXX

20250905390

XXXX

XXXX

XXXX

Closed

2024-10-22 19:09

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2659127

Investor Post-Close

No

XXXX

20250905390

XXXX

XXXX

XXXX

Closed

2024-10-24 18:59

2024-10-24 19:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676206

Investor Post-Close

No

XXXX

20250905287

XXXX

XXXX

XXXX

Closed

2024-10-22 13:03

2024-11-04 18:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2654195

Investor Post-Close

No

XXXX

20250905287

XXXX

XXXX

XXXX

Closed

2024-10-22 15:04

2024-10-22 15:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655708

Investor Post-Close

No

XXXX

20250905119

XXXX

XXXX

XXXX

Closed

2024-10-23 12:41

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663131

Investor Post-Close

No

XXXX

20250905119

XXXX

XXXX

XXXX

Closed

2024-10-24 14:33

2024-10-24 14:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2673011

Investor Post-Close

No

XXXX

20250905166

XXXX

XXXX

XXXX

Closed

2024-10-25 13:50

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2681456

Investor Post-Close

No

XXXX

20250905166

XXXX

XXXX

XXXX

Closed

2024-10-25 14:25

2024-10-25 14:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2681857

Investor Post-Close

No

XXXX

20250905300

XXXX

XXXX

XXXX

Closed

2024-10-25 16:46

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683977

Investor Post-Close

No

XXXX

20250905300

XXXX

XXXX

XXXX

Closed

2024-10-25 17:24

2024-10-25 17:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684406

Investor Post-Close

No

XXXX

20250905100

XXXX

XXXX

XXXX

Closed

2024-10-24 15:03

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2673347

Investor Post-Close

No

XXXX

20250905100

XXXX

XXXX

XXXX

Closed

2024-10-24 15:40

2024-10-24 15:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2674045

Investor Post-Close

No

XXXX

20250905357

XXXX

XXXX

XXXX

Closed

2024-10-24 11:14

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671319

Investor Post-Close

No

XXXX

20250905400

XXXX

XXXX

XXXX

Closed

2024-11-01 12:55

2024-11-11 17:32

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-11/01/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2726921

N/A

N/A

XXXX

20250905400

XXXX

XXXX

XXXX

Closed

2024-10-23 16:28

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2666132

Investor Post-Close

No

XXXX

20250905400

XXXX

XXXX

XXXX

Closed

2024-10-26 06:41

2024-11-01 12:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688015

Investor Post-Close

No

XXXX

20250905360

XXXX

XXXX

XXXX

Closed

2024-10-23 13:56

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663846

Investor Post-Close

No

XXXX

20250905360

XXXX

XXXX

XXXX

Closed

2024-10-23 20:21

2024-10-31 13:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2668782

Investor Post-Close

No

XXXX

20250905142

XXXX

XXXX

XXXX

Closed

2024-10-25 09:59

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2679538

Investor Post-Close

No

XXXX

20250905142

XXXX

XXXX

XXXX

Closed

2024-10-25 10:13

2024-10-25 10:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2679582

Investor Post-Close

No

XXXX

20250905261

XXXX

XXXX

XXXX

Closed

2024-10-23 14:39

2024-10-31 13:53

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024 Ready for Review-Document Uploaded. Uploaded disbursement ledger and master settlement statement - Seller-10/29/2024 Open-The subject property is located in a dry funding state. Missing either the Post Close CD or a final HUD-1 to verify the final loan fees. Additional conditions may apply upon receipt to missing documentation. - Due Diligence Vendor-10/23/2024

Ready for Review-Document Uploaded. Uploaded disbursement ledger and master settlement statement - Seller-10/29/2024

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-10/31/2024

Final disbursement ledger and mss.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2664338

N/A

N/A

XXXX

20250905261

XXXX

XXXX

XXXX

Closed

2024-10-21 15:11

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2647127

Investor Post-Close

No

XXXX

20250905261

XXXX

XXXX

XXXX

Closed

2024-10-21 15:17

2024-10-21 15:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2647254

Investor Post-Close

No

XXXX

20250905103

XXXX

XXXX

XXXX

Closed

2024-10-23 16:11

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2665932

Investor Post-Close

No

XXXX

20250905103

XXXX

XXXX

XXXX

Closed

2024-10-24 09:49

2024-10-24 09:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2670940

Investor Post-Close

No

XXXX

20250905471

XXXX

XXXX

XXXX

Closed

2024-10-24 14:18

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672851

Investor Post-Close

No

XXXX

20250905471

XXXX

XXXX

XXXX

Closed

2024-10-24 14:34

2024-10-24 14:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673024

Investor Post-Close

No

XXXX

20250905138

XXXX

XXXX

XXXX

Closed

2024-10-25 15:14

2024-11-05 17:42

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2682851

N/A

N/A

XXXX

20250905138

XXXX

XXXX

XXXX

Closed

2024-10-25 14:49

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2682188

Investor Post-Close

No

XXXX

20250905138

XXXX

XXXX

XXXX

Closed

2024-10-25 15:24

2024-10-25 15:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683035

Investor Post-Close

No

XXXX

20250905285

XXXX

XXXX

XXXX

Closed

2024-10-24 12:48

2024-11-11 20:31

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672028

N/A

N/A

XXXX

20250905285

XXXX

XXXX

XXXX

Closed

2024-10-24 12:28

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671876

Investor Post-Close

No

XXXX

20250905285

XXXX

XXXX

XXXX

Closed

2024-10-24 14:03

2024-10-31 21:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672712

Investor Post-Close

No

XXXX

20250905534

XXXX

XXXX

XXXX

Closed

2024-10-25 16:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683823

Investor Post-Close

No

XXXX

20250905534

XXXX

XXXX

XXXX

Closed

2024-10-25 17:49

2024-11-01 19:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684742

Investor Post-Close

No

XXXX

20250905468

XXXX

XXXX

XXXX

Closed

2024-10-23 17:45

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2666980

Investor Post-Close

No

XXXX

20250905468

XXXX

XXXX

XXXX

Closed

2024-10-24 10:48

2024-10-24 10:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671201

Investor Post-Close

No

XXXX

20250905521

XXXX

XXXX

XXXX

Closed

2024-10-23 15:23

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665301

Investor Post-Close

No

XXXX

20250905521

XXXX

XXXX

XXXX

Closed

2024-10-23 17:20

2024-10-23 17:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666696

Investor Post-Close

No

XXXX

20250905563

XXXX

XXXX

XXXX

Closed

2024-10-25 19:58

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686283

Investor Post-Close

No

XXXX

20250905563

XXXX

XXXX

XXXX

Closed

2024-10-25 20:32

2024-11-01 19:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686692

Investor Post-Close

No

XXXX

20250905557

XXXX

XXXX

XXXX

Closed

2024-10-24 14:54

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673246

Investor Post-Close

No

XXXX

20250905498

XXXX

XXXX

XXXX

Closed

2024-10-23 14:57

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2664539

Investor Post-Close

No

XXXX

20250905498

XXXX

XXXX

XXXX

Closed

2024-10-23 15:37

2024-10-23 15:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665445

Investor Post-Close

No

XXXX

20250905291

XXXX

XXXX

XXXX

Closed

2024-10-25 19:05

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2685752

Investor Post-Close

No

XXXX

20250905291

XXXX

XXXX

XXXX

Closed

2024-10-26 06:39

2024-11-01 21:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688010

Investor Post-Close

No

XXXX

20250905413

XXXX

XXXX

XXXX

Closed

2024-10-24 14:23

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672910

Investor Post-Close

No

XXXX

20250905413

XXXX

XXXX

XXXX

Closed

2024-10-24 14:46

2024-10-31 14:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673160

Investor Post-Close

No

XXXX

20250905246

XXXX

XXXX

XXXX

Closed

2024-10-23 13:29

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663593

Investor Post-Close

No

XXXX

20250905246

XXXX

XXXX

XXXX

Closed

2024-10-23 14:02

2024-10-25 15:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663916

Investor Post-Close

No

XXXX

20250905242

XXXX

XXXX

XXXX

Closed

2024-11-01 17:49

2024-11-22 17:58

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application - Not Executed

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/11/2024 Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. uploaded final 1003 - Seller-11/09/2024 Open-The Final 1003 is Not Executed - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. uploaded final 1003 - Seller-11/09/2024

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/11/2024  Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/11/2024

1003.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2729765

N/A

N/A

XXXX

20250905242

XXXX

XXXX

XXXX

Closed

2024-10-25 10:22

2024-11-12 15:14

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-Lender provided executed NORTC.  Condition cleared.   - Due Diligence Vendor-11/12/2024 Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. uploaded RTC - Seller-11/11/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. uploaded RTC - Seller-11/11/2024

Resolved-Lender provided executed NORTC.  Condition cleared.   - Due Diligence Vendor-11/12/2024  Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/12/2024

RTC.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2679641

N/A

N/A

XXXX

20250905242

XXXX

XXXX

XXXX

Closed

2024-10-25 10:22

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679642

Investor Post-Close

No

XXXX

20250905242

XXXX

XXXX

XXXX

Closed

2024-10-25 10:08

2024-11-07 13:32

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-The lender provided an executed/dated 8821 in lieu of the 4506T. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/07/2024 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/07/2024 Ready for Review-Document Uploaded. Please escalate to XX an 8821 should be acceptable in lieu of 4506 - Seller-11/06/2024 Open-Borrower 1 Executed 4506-T Missing Guidelines require a 4506-C to be signed at closing for all transactions. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. Please escalate to XX an 8821 should be acceptable in lieu of 4506 - Seller-11/06/2024

Resolved-The lender provided an executed/dated 8821 in lieu of the 4506T. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/07/2024  Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-11/07/2024

8821.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2679569

N/A

N/A

XXXX

20250905242

XXXX

XXXX

XXXX

Closed

2024-10-25 11:15

2024-10-25 11:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679942

Investor Post-Close

No

XXXX

20250905176

XXXX

XXXX

XXXX

Closed

2024-10-23 22:21

2024-11-11 18:01

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/31/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2669574

N/A

N/A

XXXX

20250905176

XXXX

XXXX

XXXX

Closed

2024-10-23 19:17

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2668122

Investor Post-Close

No

XXXX

20250905176

XXXX

XXXX

XXXX

Closed

2024-10-23 22:39

2024-10-23 22:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2669654

Investor Post-Close

No

XXXX

20250905128

XXXX

XXXX

XXXX

Closed

2024-10-27 17:24

2024-11-11 17:46

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-11/01/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2690810

N/A

N/A

XXXX

20250905128

XXXX

XXXX

XXXX

Closed

2024-10-27 16:07

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690666

Investor Post-Close

No

XXXX

20250905481

XXXX

XXXX

XXXX

Closed

2024-10-24 12:02

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671609

Investor Post-Close

No

XXXX

20250905481

XXXX

XXXX

XXXX

Closed

2024-10-24 12:25

2024-10-24 20:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671845

Investor Post-Close

No

XXXX

20250905388

XXXX

XXXX

XXXX

Closed

2024-10-29 17:13

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2704703

Investor Post-Close

No

XXXX

20250905388

XXXX

XXXX

XXXX

Closed

2024-10-29 17:54

2024-10-29 17:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2705267

Investor Post-Close

No

XXXX

20250905105

XXXX

XXXX

XXXX

Closed

2024-10-23 20:22

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668788

Investor Post-Close

No

XXXX

20250905105

XXXX

XXXX

XXXX

Closed

2024-10-25 11:03

2024-10-25 11:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679855

Investor Post-Close

No

XXXX

20250905338

XXXX

XXXX

XXXX

Closed

2024-10-25 18:42

2024-11-14 17:40

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-The Lender provided a copy of the borrower’s Final Disbursement Ledger, ALTA and PCCD. Compliance testing passed. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. Final Ledger, ALTA and PCCD Uploaded - Seller-11/14/2024 Open-Final Closing Disclosure is missing or incomplete Subject property located in dry funding state, loan file missing PCCD or a Final Settlement Statement is not matching the final CD. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. Final Ledger, ALTA and PCCD Uploaded - Seller-11/14/2024

Resolved-The Lender provided a copy of the borrower’s Final Disbursement Ledger, ALTA and PCCD. Compliance testing passed. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/14/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2685437

N/A

N/A

XXXX

20250905338

XXXX

XXXX

XXXX

Closed

2024-10-25 13:20

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681059

Investor Post-Close

No

XXXX

20250905338

XXXX

XXXX

XXXX

Closed

2024-10-25 14:08

2024-10-25 14:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681663

Investor Post-Close

No

XXXX

20250905222

XXXX

XXXX

XXXX

Closed

2024-10-24 18:09

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675613

Investor Post-Close

No

XXXX

20250905222

XXXX

XXXX

XXXX

Closed

2024-10-24 18:53

2024-10-24 18:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676149

Investor Post-Close

No

XXXX

20250905474

XXXX

XXXX

XXXX

Closed

2024-10-24 10:56

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671230

Investor Post-Close

No

XXXX

20250905474

XXXX

XXXX

XXXX

Closed

2024-11-01 14:49

2024-11-01 14:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2727735

Investor Post-Close

No

XXXX

20250905374

XXXX

XXXX

XXXX

Closed

2024-10-24 23:32

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2678088

Investor Post-Close

No

XXXX

20250905374

XXXX

XXXX

XXXX

Closed

2024-10-25 00:06

2024-10-25 00:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2678128

Investor Post-Close

No

XXXX

20250905273

XXXX

XXXX

XXXX

Closed

2024-10-24 13:40

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672483

Investor Post-Close

No

XXXX

20250905273

XXXX

XXXX

XXXX

Closed

2024-10-24 14:11

2024-10-24 14:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672775

Investor Post-Close

No

XXXX

20250905537

XXXX

XXXX

XXXX

Closed

2024-10-24 15:54

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2674202

Investor Post-Close

No

XXXX

20250905537

XXXX

XXXX

XXXX

Closed

2024-10-24 16:35

2024-10-24 17:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2674601

Investor Post-Close

No

XXXX

20250905179

XXXX

XXXX

XXXX

Closed

2024-10-25 13:13

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2680983

Investor Post-Close

No

XXXX

20250905179

XXXX

XXXX

XXXX

Closed

2024-10-25 18:46

2024-10-25 18:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2685489

Investor Post-Close

No

XXXX

20250906154

XXXX

XXXX

XXXX

Closed

2024-10-23 18:42

2024-11-19 17:29

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/19/2024 Resolved-Gap CR condition waived.  This condition is resolved. - Due Diligence Vendor-11/11/2024 Escalated-Escalated loan to XX for review.  - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Please escalate to XX, Per XX they would accept provided no new debt was opened prior or at time of loan disbursement. No new debt during the time period. - Seller-11/05/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Guidelines require the credit report to be within 60 days of the Note Date. Borrower Credit report was 90 days. Provide new credit report. Additional conditions may apply. - Due Diligence Vendor-10/23/2024

Ready for Review-Document Uploaded. Please escalate to XX, Per XX they would accept provided no new debt was opened prior or at time of loan disbursement. No new debt during the time period. - Seller-11/05/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/19/2024  Resolved-Gap CR condition waived.  This condition is resolved. - Due Diligence Vendor-11/11/2024

PC Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2667728

N/A

N/A

XXXX

20250906154

XXXX

XXXX

XXXX

Closed

2024-10-21 14:49

2024-11-11 23:28

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Waived-Investor Waived.  Comp Factors Provided. - Due Diligence Vendor-11/11/2024 Escalated-Escalated loan to XX for review.  - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Please escalate to XX, Per XX they would accept provided no new debt was opened prior or at time of loan disbursement. No new debt during the time period.  - Seller-11/05/2024 Open-Borrower 1 Gap Credit Report is Missing Guidelines require the credit report to be within 60 days of the Note Date. Borrower Credit report was 90 days. Additional conditions may apply upon receipt of new credit report. - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. Please escalate to XX, Per XX they would accept provided no new debt was opened prior or at time of loan disbursement. No new debt during the time period.  - Seller-11/05/2024

Waived-Investor Waived.  Comp Factors Provided. - Due Diligence Vendor-11/11/2024

PC Credit report.pdf

FICO 712;  CLTV 65%;  Borrower has 22 years of employment in the same field of work.

XX

Primary Residence

Refinance

Cash Out - Other

2646724

Investor Post-Close

No

XXXX

20250906154

XXXX

XXXX

XXXX

Closed

2024-10-21 15:03

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2646923

Investor Post-Close

No

XXXX

20250906154

XXXX

XXXX

XXXX

Closed

2024-10-21 15:32

2024-10-21 17:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2647469

Investor Post-Close

No

XXXX

20250905232

XXXX

XXXX

XXXX

Closed

2024-10-24 11:19

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671333

Investor Post-Close

No

XXXX

20250905232

XXXX

XXXX

XXXX

Closed

2024-10-24 11:47

2024-10-24 11:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671514

Investor Post-Close

No

XXXX

20250905297

XXXX

XXXX

XXXX

Closed

2024-10-24 18:49

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676114

Investor Post-Close

No

XXXX

20250905297

XXXX

XXXX

XXXX

Closed

2024-10-24 19:21

2024-10-24 19:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676407

Investor Post-Close

No

XXXX

20250905340

XXXX

XXXX

XXXX

Closed

2024-10-25 11:31

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2680078

Investor Post-Close

No

XXXX

20250905340

XXXX

XXXX

XXXX

Closed

2024-10-25 12:34

2024-10-25 12:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2680535

Investor Post-Close

No

XXXX

20250905288

XXXX

XXXX

XXXX

Closed

2024-10-24 18:34

2024-11-11 19:33

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated- - Due Diligence Vendor-10/30/2024 Ready for Review-This will be addressed by XX, please escalate. - Seller-10/28/2024 Open-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/24/2024

Ready for Review-This will be addressed by XX, please escalate. - Seller-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2675945

N/A

N/A

XXXX

20250905288

XXXX

XXXX

XXXX

Closed

2024-10-24 16:56

2024-11-05 19:27

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/05/2024 Resolved-The Final 1003 is Present - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. uploaded final 1003 - Seller-11/02/2024 Open-The Final 1003 is Missing - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. uploaded final 1003 - Seller-11/02/2024

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/05/2024  Resolved-The Final 1003 is Present - Due Diligence Vendor-11/05/2024

1003.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2674817

N/A

N/A

XXXX

20250905288

XXXX

XXXX

XXXX

Closed

2024-10-24 18:05

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2675560

Investor Post-Close

No

XXXX

20250905288

XXXX

XXXX

XXXX

Closed

2024-10-24 18:55

2024-10-24 18:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2676170

Investor Post-Close

No

XXXX

20250905558

XXXX

XXXX

XXXX

Closed

2025-03-03 23:14

2025-03-03 23:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Acknowledged by Client. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2025

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Acknowledged by Client. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2025

XX

Primary Residence

Refinance

Cash Out - Other

3517809

Investor Post-Close

No

XXXX

20250905558

XXXX

XXXX

XXXX

Closed

2024-10-26 15:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688986

Investor Post-Close

No

XXXX

20250905164

XXXX

XXXX

XXXX

Closed

2024-10-25 17:20

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2684368

Investor Post-Close

No

XXXX

20250905164

XXXX

XXXX

XXXX

Closed

2024-10-25 18:05

2024-11-01 17:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2684962

Investor Post-Close

No

XXXX

20250905745

XXXX

XXXX

XXXX

Closed

2024-10-24 10:22

2024-11-11 23:31

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024 Escalated-Lender agrees.  Escalated to XX for review. - Due Diligence Vendor-11/05/2024 Unable to Resolve-Unable to Resolve-11/2/2024  Agree  - Seller-11/04/2024 Counter-Lender requested DTI details.  The only difference relates to consumer debts.  The audit calculated a total $X,XXX.XX in consumer debts.  The 1008 in the loan file reflects consumer debts of $X,XXX.XX however the loan application totals consumer debts (not including ones being paid off at closing) of $X,XXX.XX.  The audit used the same monthly payments for the consumer debts except for the two vacation installments.  The audit used lower payments of $XXX.XX and $XXX.XX as documented in the loan file for the two vacation installments.    Please advise if there is any additional information we could provide to assist.   - Due Diligence Vendor-10/30/2024 Ready for Review-Please provide additional detail, as my recalculations agree with figures used  by UW on Final 1008.  - Seller-10/28/2024 Open-Audited DTI of 52.02% exceeds Guideline DTI of 49.99%. Lender failed to include all verified debt or evidence to omit. Additional conditions ma apply - Due Diligence Vendor-10/24/2024

Unable to Resolve-Unable to Resolve-11/2/2024  Agree  - Seller-11/04/2024  Ready for Review-Please provide additional detail, as my recalculations agree with figures used  by UW on Final 1008.  - Seller-10/28/2024

Waived-Investor Waived.  Comp Factors provided. - Due Diligence Vendor-11/11/2024

FICO 726;  CLTV 63%;  Residual income $XXXX

XX

Primary Residence

Refinance

Cash Out - Other

2671081

Investor Post-Close

No

XXXX

20250905745

XXXX

XXXX

XXXX

Closed

2024-10-23 18:49

2024-11-07 20:38

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated- - Due Diligence Vendor-10/25/2024 Open- - Due Diligence Vendor-10/25/2024 Escalated-Escalated - Due Diligence Vendor-10/25/2024 Open- - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/07/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2667801

N/A

N/A

XXXX

20250905745

XXXX

XXXX

XXXX

Closed

2024-10-22 15:02

2024-11-06 13:01

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-Lender provided a copy of the executed and dated NORTC (Right to Cancel). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/06/2024 Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Uploaded RTC hybrid closing - Seller-11/02/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. Uploaded RTC hybrid closing - Seller-11/02/2024

Resolved-Lender provided a copy of the executed and dated NORTC (Right to Cancel). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/06/2024  Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/06/2024

RTC.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2655685

N/A

N/A

XXXX

20250905745

XXXX

XXXX

XXXX

Closed

2024-10-22 17:08

2024-11-05 21:21

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application - Not Executed

Resolved-Lender provided executed final 1003.  Condition cleared. - Due Diligence Vendor-11/05/2024 Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. uploaded final 1003 hybrid closing - Seller-11/02/2024 Open-The Final 1003 is Not Executed - Due Diligence Vendor-10/22/2024

Ready for Review-Document Uploaded. uploaded final 1003 hybrid closing - Seller-11/02/2024

Resolved-Lender provided executed final 1003.  Condition cleared. - Due Diligence Vendor-11/05/2024  Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/05/2024

1003.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2657677

N/A

N/A

XXXX

20250905745

XXXX

XXXX

XXXX

Closed

2024-10-22 15:02

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2655686

Investor Post-Close

No

XXXX

20250905745

XXXX

XXXX

XXXX

Closed

2024-10-22 18:13

2024-10-22 18:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

2658484

Investor Post-Close

No

XXXX

20250905230

XXXX

XXXX

XXXX

Closed

2024-10-24 16:19

2024-11-08 21:27

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided PCCD.  Condition cleared. - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. Per PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded  - Seller-11/06/2024 Open-Final Closing Disclosure is missing or incomplete The PCCD dry funding requirement has not been satisfied. The file is missing a post-close CD or a Final ALTA settlement statement. - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. Per PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded  - Seller-11/06/2024

Resolved-Lender provided PCCD.  Condition cleared. - Due Diligence Vendor-11/08/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2674484

N/A

N/A

XXXX

20250905230

XXXX

XXXX

XXXX

Closed

2024-10-24 15:23

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2673529

Investor Post-Close

No

XXXX

20250905230

XXXX

XXXX

XXXX

Closed

2024-10-24 16:09

2024-10-24 16:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2674377

Investor Post-Close

No

XXXX

20250905121

XXXX

XXXX

XXXX

Closed

2024-10-25 07:10

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679037

Investor Post-Close

No

XXXX

20250905121

XXXX

XXXX

XXXX

Closed

2024-10-25 08:29

2024-10-25 08:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679232

Investor Post-Close

No

XXXX

20250905553

XXXX

XXXX

XXXX

Closed

2024-10-25 09:54

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679516

Investor Post-Close

No

XXXX

20250905316

XXXX

XXXX

XXXX

Closed

2024-10-25 10:21

2024-11-11 20:04

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2679636

N/A

N/A

XXXX

20250905316

XXXX

XXXX

XXXX

Closed

2024-10-25 10:13

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679581

Investor Post-Close

No

XXXX

20250905316

XXXX

XXXX

XXXX

Closed

2024-10-25 10:32

2024-10-25 10:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679693

Investor Post-Close

No

XXXX

20250905329

XXXX

XXXX

XXXX

Closed

2024-10-24 10:58

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671240

Investor Post-Close

No

XXXX

20250905329

XXXX

XXXX

XXXX

Closed

2024-10-24 11:59

2024-10-24 11:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671596

Investor Post-Close

No

XXXX

20250905321

XXXX

XXXX

XXXX

Closed

2024-10-24 16:08

2024-11-11 16:24

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-DD to provide.  - Due Diligence Vendor-10/25/2024 Open-To Be Escalated - Due Diligence Vendor-10/25/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2674359

N/A

N/A

XXXX

20250905321

XXXX

XXXX

XXXX

Closed

2024-10-23 09:38

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2662037

Investor Post-Close

No

XXXX

20250905160

XXXX

XXXX

XXXX

Closed

2024-10-24 14:22

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2672899

Investor Post-Close

No

XXXX

20250905160

XXXX

XXXX

XXXX

Closed

2024-10-24 14:57

2024-10-24 14:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673290

Investor Post-Close

No

XXXX

20250905387

XXXX

XXXX

XXXX

Closed

2024-10-28 14:14

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693820

Investor Post-Close

No

XXXX

20250905387

XXXX

XXXX

XXXX

Closed

2024-10-28 14:55

2024-10-28 14:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2694414

Investor Post-Close

No

XXXX

20250905556

XXXX

XXXX

XXXX

Closed

2024-10-25 17:45

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2684685

Investor Post-Close

No

XXXX

20250905556

XXXX

XXXX

XXXX

Closed

2024-10-25 18:11

2024-11-07 13:19

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-Lender provided HOI policy.  Condition cleared.   - Due Diligence Vendor-11/07/2024 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. uploaded hazard - Seller-11/06/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing evidence of HOI premium. - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. uploaded hazard - Seller-11/06/2024

Resolved-Lender provided HOI policy.  Condition cleared.   - Due Diligence Vendor-11/07/2024  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/06/2024

hazard.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2685041

N/A

N/A

XXXX

20250905556

XXXX

XXXX

XXXX

Closed

2024-10-25 18:05

2024-11-07 13:19

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Lender provided HOI policy.  Condition cleared.   - Due Diligence Vendor-11/07/2024 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. uploaded hazard - Seller-11/06/2024 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. uploaded hazard - Seller-11/06/2024

Resolved-Lender provided HOI policy.  Condition cleared.   - Due Diligence Vendor-11/07/2024  Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/06/2024

hazard.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2684968

N/A

N/A

XXXX

20250905556

XXXX

XXXX

XXXX

Closed

2024-10-25 18:20

2024-10-25 18:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2685143

Investor Post-Close

No

XXXX

20250905150

XXXX

XXXX

XXXX

Closed

2024-10-24 18:14

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675683

Investor Post-Close

No

XXXX

20250905150

XXXX

XXXX

XXXX

Closed

2024-10-24 18:50

2024-10-24 18:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676122

Investor Post-Close

No

XXXX

20250905477

XXXX

XXXX

XXXX

Closed

2024-10-24 12:10

2024-11-11 19:58

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2671697

N/A

N/A

XXXX

20250905477

XXXX

XXXX

XXXX

Closed

2024-10-24 11:46

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671497

Investor Post-Close

No

XXXX

20250905477

XXXX

XXXX

XXXX

Closed

2024-10-24 12:27

2024-10-24 12:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671863

Investor Post-Close

No

XXXX

20250905240

XXXX

XXXX

XXXX

Closed

2024-10-25 15:38

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683188

Investor Post-Close

No

XXXX

20250905240

XXXX

XXXX

XXXX

Closed

2024-10-25 15:58

2024-10-25 15:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683423

Investor Post-Close

No

XXXX

20250905549

XXXX

XXXX

XXXX

Closed

2024-10-26 22:09

2024-11-14 17:54

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved- - Due Diligence Vendor-11/14/2024 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements.  Hazard Insurance Policy is fully present. Expiration date is XX/XX/XXXX. Resolved. - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. uploaded XXXX-XXXX policy, the premium increased $XX.XX however, the recalculated DTI is 40.83%  still <49.99% please consider downgrading/escalating to XX for consideration. - Seller-11/12/2024 Counter-Lender provided a HOI policy expiring on XX/XX/XXXX which is less than 3 months after closing.  The lender guidelines (v24.10) require one year of homeowner’s insurance.  Additionally, the guidelines require XXXXXXXX Loan Servicing to be added as the secondary loss payee which is not reflected on the HOI policy provided.  Condition remains.   - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. uploaded hazard - Seller-11/06/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing hazard insurance policy.  - Due Diligence Vendor-11/04/2024

Ready for Review-Document Uploaded. uploaded XXXX-XXXX policy, the premium increased $XX.XX however, the recalculated DTI is 40.83%  still <49.99% please consider downgrading/escalating to XX for consideration. - Seller-11/12/2024  Ready for Review-Document Uploaded. uploaded hazard - Seller-11/06/2024

Resolved-  - Due Diligence Vendor-11/14/2024  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements.  Hazard Insurance Policy is fully present. Expiration date is 11/25/2024. Resolved. - Due Diligence Vendor-11/14/2024

hazard.pdf Hazard Insurance (5).pdf

XX

Primary Residence

Refinance

Cash Out - Other

2689555

N/A

N/A

XXXX

20250905549

XXXX

XXXX

XXXX

Closed

2024-10-26 22:02

2024-11-14 17:47

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present.  Expiration date is XX/XX/XXXX.  Resolved. - Due Diligence Vendor-11/14/2024 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. uploaded hazard print out showing coverage in effect XX/XX/XXXX to XX/XXXX - Seller-11/12/2024 Counter-Missing Hazard Insurance Policy Lender provided a HOI policy expiring on XX/XX/XXXX which is less than 3 months after closing.  The lender guidelines (v24.10) require one year of homeowner’s insurance.  Additionally, the guidelines require XXXXXXXX Loan Servicing to be added as the secondary loss payee which is not reflected on the HOI policy provided.  Condition remains.   - Due Diligence Vendor-11/06/2024 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2024 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. uploaded hazard - Seller-11/06/2024 Open-Missing Hazard Insurance Policy   - Due Diligence Vendor-10/26/2024

Ready for Review-Document Uploaded. uploaded hazard print out showing coverage in effect XX/XX/XXXX to XX/XXXX - Seller-11/12/2024  Ready for Review-Document Uploaded. uploaded hazard - Seller-11/06/2024

Resolved-Hazard Insurance Policy is fully present.  Expiration date is 11/25/2024.  Resolved. - Due Diligence Vendor-11/14/2024  Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/06/2024

hazard.pdf Hazard Insurance (5).pdf

XX

Primary Residence

Refinance

Cash Out - Other

2689552

N/A

N/A

XXXX

20250905549

XXXX

XXXX

XXXX

Closed

2024-10-26 21:10

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689534

Investor Post-Close

No

XXXX

20250905549

XXXX

XXXX

XXXX

Closed

2024-10-26 21:24

2024-10-26 21:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689541

Investor Post-Close

No

XXXX

20250905296

XXXX

XXXX

XXXX

Closed

2024-10-24 15:23

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2673527

Investor Post-Close

No

XXXX

20250905296

XXXX

XXXX

XXXX

Closed

2024-10-24 16:31

2024-10-24 16:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2674581

Investor Post-Close

No

XXXX

20250905234

XXXX

XXXX

XXXX

Closed

2024-10-25 12:19

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680418

Investor Post-Close

No

XXXX

20250905190

XXXX

XXXX

XXXX

Closed

2024-10-24 18:10

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675624

Investor Post-Close

No

XXXX

20250905190

XXXX

XXXX

XXXX

Closed

2024-10-24 18:52

2024-10-25 18:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676129

Investor Post-Close

No

XXXX

20250905223

XXXX

XXXX

XXXX

Closed

2024-10-26 15:18

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688956

Investor Post-Close

No

XXXX

20250905223

XXXX

XXXX

XXXX

Closed

2024-10-26 16:13

2024-10-26 16:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689100

Investor Post-Close

No

XXXX

20250905458

XXXX

XXXX

XXXX

Closed

2024-10-26 07:54

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688130

Investor Post-Close

No

XXXX

20250905458

XXXX

XXXX

XXXX

Closed

2024-10-26 09:27

2024-10-26 09:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688280

Investor Post-Close

No

XXXX

20250905139

XXXX

XXXX

XXXX

Closed

2024-10-24 20:33

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2677135

Investor Post-Close

No

XXXX

20250905139

XXXX

XXXX

XXXX

Closed

2024-10-25 11:07

2024-10-25 11:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679882

Investor Post-Close

No

XXXX

20250905466

XXXX

XXXX

XXXX

Closed

2024-10-24 14:57

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673282

Investor Post-Close

No

XXXX

20250905466

XXXX

XXXX

XXXX

Closed

2024-10-24 15:47

2024-10-24 15:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2674116

Investor Post-Close

No

XXXX

20250905155

XXXX

XXXX

XXXX

Closed

2024-10-24 15:38

2024-11-11 18:59

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection . - Due Diligence Vendor-10/24/2024

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2674032

N/A

N/A

XXXX

20250905155

XXXX

XXXX

XXXX

Closed

2024-10-24 15:11

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2673405

Investor Post-Close

No

XXXX

20250905155

XXXX

XXXX

XXXX

Closed

2024-10-24 15:54

2024-10-24 15:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2674204

Investor Post-Close

No

XXXX

20250905154

XXXX

XXXX

XXXX

Closed

2024-10-27 03:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689659

Investor Post-Close

No

XXXX

20250905154

XXXX

XXXX

XXXX

Closed

2024-10-27 03:58

2024-10-27 03:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689691

Investor Post-Close

No

XXXX

20250905435

XXXX

XXXX

XXXX

Closed

2024-10-26 11:39

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688533

Investor Post-Close

No

XXXX

20250905517

XXXX

XXXX

XXXX

Closed

2024-10-23 16:58

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666469

Investor Post-Close

No

XXXX

20250905517

XXXX

XXXX

XXXX

Closed

2024-10-23 17:44

2024-10-23 17:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666970

Investor Post-Close

No

XXXX

20250905382

XXXX

XXXX

XXXX

Closed

2024-10-26 10:13

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688357

Investor Post-Close

No

XXXX

20250905382

XXXX

XXXX

XXXX

Closed

2024-10-26 10:47

2024-11-04 16:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688414

Investor Post-Close

No

XXXX

20250905215

XXXX

XXXX

XXXX

Closed

2024-10-24 16:40

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2674672

Investor Post-Close

No

XXXX

20250905215

XXXX

XXXX

XXXX

Closed

2024-10-24 17:38

2024-10-24 17:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675243

Investor Post-Close

No

XXXX

20250905430

XXXX

XXXX

XXXX

Closed

2024-10-27 19:23

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690945

Investor Post-Close

No

XXXX

20250905430

XXXX

XXXX

XXXX

Closed

2024-10-27 20:01

2024-10-27 20:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690955

Investor Post-Close

No

XXXX

20250905231

XXXX

XXXX

XXXX

Closed

2024-10-23 19:44

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668391

Investor Post-Close

No

XXXX

20250905231

XXXX

XXXX

XXXX

Closed

2024-10-23 20:17

2024-10-23 20:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668726

Investor Post-Close

No

XXXX

20250905447

XXXX

XXXX

XXXX

Closed

2024-10-24 20:06

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2676856

Investor Post-Close

No

XXXX

20250905447

XXXX

XXXX

XXXX

Closed

2024-10-25 10:14

2024-10-25 10:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2679585

Investor Post-Close

No

XXXX

20250905354

XXXX

XXXX

XXXX

Closed

2024-10-25 06:01

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2678809

Investor Post-Close

No

XXXX

20250905354

XXXX

XXXX

XXXX

Closed

2024-10-25 06:30

2024-10-25 06:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2678902

Investor Post-Close

No

XXXX

20250905218

XXXX

XXXX

XXXX

Closed

2024-10-24 13:54

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672615

Investor Post-Close

No

XXXX

20250905218

XXXX

XXXX

XXXX

Closed

2024-10-26 08:06

2024-10-26 08:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688146

Investor Post-Close

No

XXXX

20250905568

XXXX

XXXX

XXXX

Closed

2024-10-30 20:59

2024-11-13 23:00

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Investor Waived.  Comp Factors Provided. - Due Diligence Vendor-11/13/2024 Unable to Resolve-Unable to Resolve-"XX/XX/XXXX - Agree - UW did not use value shown on AVM, no other appraisal in file.  Recalculated DTI 77.24% ($XX,XXX.XX + $XXX,XXX.XX from XXX XXXXXXXX snapshot / $XXX,XXX.XX Full AVM value.) "  - Seller-11/04/2024 Open-Audited CLTV of 77.09% exceeds Guideline CLTV of 75% CLTV based on AVM in file with value of $XXX,XXX.XX.  Lender used a value of $XXX,XXX.XX to qualify.  - Due Diligence Vendor-10/30/2024

Unable to Resolve-Unable to Resolve-"11/4/2024 - Agree - UW did not use value shown on AVM, no other appraisal in file.  Recalculated DTI 77.24% ($XX,XXX + $XXXXXX.XX from 1st mortgage snapshot / $XXX,XXX Full AVM value.) "  - Seller-11/04/2024

Waived-Investor Waived.  Comp Factors Provided. - Due Diligence Vendor-11/13/2024

FICO 705;  Residual income $XXXX; CLTV only exceeds guidelines by 2%

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2717101

Investor Post-Close

No

XXXX

20250905568

XXXX

XXXX

XXXX

Closed

2024-10-27 18:40

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690881

Investor Post-Close

No

XXXX

20250905568

XXXX

XXXX

XXXX

Closed

2024-10-27 19:18

2024-10-27 19:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690933

Investor Post-Close

No

XXXX

20250905389

XXXX

XXXX

XXXX

Closed

2024-10-24 15:03

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673350

Investor Post-Close

No

XXXX

20250905389

XXXX

XXXX

XXXX

Closed

2024-10-28 17:35

2024-10-28 17:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696403

Investor Post-Close

No

XXXX

20250905405

XXXX

XXXX

XXXX

Closed

2024-10-25 07:30

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679094

Investor Post-Close

No

XXXX

20250905405

XXXX

XXXX

XXXX

Closed

2024-10-25 08:01

2024-10-25 08:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679161

Investor Post-Close

No

XXXX

20250905188

XXXX

XXXX

XXXX

Closed

2024-10-24 18:07

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675589

Investor Post-Close

No

XXXX

20250905188

XXXX

XXXX

XXXX

Closed

2024-10-25 11:48

2024-10-25 11:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680199

Investor Post-Close

No

XXXX

20250905420

XXXX

XXXX

XXXX

Closed

2024-10-25 16:03

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683468

Investor Post-Close

No

XXXX

20250905420

XXXX

XXXX

XXXX

Closed

2024-10-25 16:40

2024-10-25 16:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683908

Investor Post-Close

No

XXXX

20250905092

XXXX

XXXX

XXXX

Closed

2024-10-23 17:15

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2666645

Investor Post-Close

No

XXXX

20250905092

XXXX

XXXX

XXXX

Closed

2024-10-23 18:41

2024-10-23 18:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2667722

Investor Post-Close

No

XXXX

20250905309

XXXX

XXXX

XXXX

Closed

2024-10-26 09:53

2024-11-07 17:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688318

Investor Post-Close

No

XXXX

20250905309

XXXX

XXXX

XXXX

Closed

2024-10-26 09:12

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688250

Investor Post-Close

No

XXXX

20250905423

XXXX

XXXX

XXXX

Closed

2024-10-24 12:14

2024-11-11 17:40

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2671740

N/A

N/A

XXXX

20250905423

XXXX

XXXX

XXXX

Closed

2024-10-24 11:44

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671487

Investor Post-Close

No

XXXX

20250905423

XXXX

XXXX

XXXX

Closed

2024-10-24 12:36

2024-10-24 12:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671931

Investor Post-Close

No

XXXX

20250905193

XXXX

XXXX

XXXX

Closed

2024-10-25 14:05

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681611

Investor Post-Close

No

XXXX

20250905193

XXXX

XXXX

XXXX

Closed

2024-10-25 14:57

2024-10-25 14:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2682297

Investor Post-Close

No

XXXX

20250905355

XXXX

XXXX

XXXX

Closed

2024-10-25 17:58

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684867

Investor Post-Close

No

XXXX

20250905355

XXXX

XXXX

XXXX

Closed

2024-10-25 18:29

2024-10-25 18:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2685267

Investor Post-Close

No

XXXX

20250905397

XXXX

XXXX

XXXX

Closed

2024-10-31 20:14

2024-12-12 19:05

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Updated compliance review to use the application date of XX/XX/XXXX provided on the Disclosure Tracking Summary.  Condition cleared.   - Due Diligence Vendor-12/12/2024 Acknowledged- - Due Diligence Vendor-12/12/2024 Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/31/2024

Resolved-Updated compliance review to use the application date of XX/XX/XXXX provided on the Disclosure Tracking Summary.  Condition cleared.   - Due Diligence Vendor-12/12/2024  Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2724256

N/A

N/A

XXXX

20250905397

XXXX

XXXX

XXXX

Closed

2024-10-31 20:14

2024-12-12 19:03

Resolved

1 - Information

Compliance

Tolerance:Disclosure

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

Resolved-Updated compliance review to use the application date provided on the Disclosure Tracking Summary.  Condition cleared.   - Due Diligence Vendor-12/12/2024 Resolved-Resolved - Due Diligence Vendor-12/12/2024 Ready for Review-Please advise the explanation was provided previously.. please reach out to XXXXXX. - Seller-12/12/2024 Counter-Finding was escalated to management, pending client explanation. - Due Diligence Vendor-11/11/2024 Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) . - Due Diligence Vendor-10/31/2024

Ready for Review-Please advise the explanation was provided previously.. please reach out to XXXXXXX. - Seller-12/12/2024  Ready for Review-The dates on the Data Entry is the date the loan was created in Encompass  In a lot of cases the creation date is before the actual application date.  If the ATR is pulling from the Data Entry then that will be an internal mapping system item to be corrected to insure it does not reoccur in future. - Seller-11/08/2024

Resolved-Updated compliance review to use the application date provided on the Disclosure Tracking Summary.  Condition cleared.   - Due Diligence Vendor-12/12/2024  Resolved-Resolved - Due Diligence Vendor-12/12/2024

XX

Primary Residence

Refinance

Cash Out - Other

2724257

N/A

N/A

XXXX

20250905397

XXXX

XXXX

XXXX

Closed

2024-10-26 08:12

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688158

Investor Post-Close

No

XXXX

20250905397

XXXX

XXXX

XXXX

Closed

2024-10-26 08:37

2024-10-26 08:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688198

Investor Post-Close

No

XXXX

20250905247

XXXX

XXXX

XXXX

Closed

2024-10-23 15:25

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2665329

Investor Post-Close

No

XXXX

20250905488

XXXX

XXXX

XXXX

Closed

2024-10-25 12:57

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680764

Investor Post-Close

No

XXXX

20250905488

XXXX

XXXX

XXXX

Closed

2024-10-25 13:30

2024-10-25 13:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681200

Investor Post-Close

No

XXXX

20250905509

XXXX

XXXX

XXXX

Closed

2024-10-25 12:54

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2680736

Investor Post-Close

No

XXXX

20250905509

XXXX

XXXX

XXXX

Closed

2024-10-25 13:18

2024-10-25 13:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2681031

Investor Post-Close

No

XXXX

20250905551

XXXX

XXXX

XXXX

Closed

2024-10-27 06:04

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689822

Investor Post-Close

No

XXXX

20250905551

XXXX

XXXX

XXXX

Closed

2024-10-27 06:27

2024-10-30 01:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689867

Investor Post-Close

No

XXXX

20250905440

XXXX

XXXX

XXXX

Closed

2024-10-25 11:17

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679961

Investor Post-Close

No

XXXX

20250905552

XXXX

XXXX

XXXX

Closed

2024-10-25 12:27

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2680492

Investor Post-Close

No

XXXX

20250905552

XXXX

XXXX

XXXX

Closed

2024-11-01 17:33

2024-11-01 17:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2729636

Investor Post-Close

No

XXXX

20250905319

XXXX

XXXX

XXXX

Closed

2024-10-26 08:27

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688189

Investor Post-Close

No

XXXX

20250905319

XXXX

XXXX

XXXX

Closed

2024-10-27 03:23

2024-10-27 03:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689651

Investor Post-Close

No

XXXX

20250905169

XXXX

XXXX

XXXX

Closed

2024-10-27 08:52

2024-11-11 19:10

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/27/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2690047

N/A

N/A

XXXX

20250905169

XXXX

XXXX

XXXX

Closed

2024-10-27 08:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690029

Investor Post-Close

No

XXXX

20250905480

XXXX

XXXX

XXXX

Closed

2024-10-26 10:49

2024-11-11 19:06

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/26/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2688416

N/A

N/A

XXXX

20250905480

XXXX

XXXX

XXXX

Closed

2024-10-26 10:27

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688380

Investor Post-Close

No

XXXX

20250905480

XXXX

XXXX

XXXX

Closed

2024-10-26 11:01

2024-10-26 11:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688454

Investor Post-Close

No

XXXX

20250905270

XXXX

XXXX

XXXX

Closed

2024-10-22 16:16

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2657076

Investor Post-Close

No

XXXX

20250905270

XXXX

XXXX

XXXX

Closed

2024-10-22 16:40

2024-10-22 16:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2657341

Investor Post-Close

No

XXXX

20250905455

XXXX

XXXX

XXXX

Closed

2024-10-25 17:24

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684399

Investor Post-Close

No

XXXX

20250905455

XXXX

XXXX

XXXX

Closed

2024-10-25 18:06

2024-10-25 18:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684981

Investor Post-Close

No

XXXX

20250905438

XXXX

XXXX

XXXX

Closed

2024-10-25 13:11

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680942

Investor Post-Close

No

XXXX

20250905438

XXXX

XXXX

XXXX

Closed

2024-10-25 14:05

2024-10-25 18:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681610

Investor Post-Close

No

XXXX

20250905424

XXXX

XXXX

XXXX

Closed

2024-10-26 07:14

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688065

Investor Post-Close

No

XXXX

20250905424

XXXX

XXXX

XXXX

Closed

2024-10-26 07:52

2024-10-26 07:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688125

Investor Post-Close

No

XXXX

20250905227

XXXX

XXXX

XXXX

Closed

2024-10-27 07:34

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689939

Investor Post-Close

No

XXXX

20250905227

XXXX

XXXX

XXXX

Closed

2024-10-28 18:48

2024-10-28 18:48

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. Secondary valuation XXXXXXXX Confidence score 77 and FSD 11 does not meet guideline requirements. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. Secondary valuation XXXXXXXX Confidence score 77 and FSD 11 does not meet guideline requirements. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2697283

Originator Post-Close

No

XXXX

20250905344

XXXX

XXXX

XXXX

Closed

2024-10-27 07:02

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689906

Investor Post-Close

No

XXXX

20250905344

XXXX

XXXX

XXXX

Closed

2024-10-27 07:03

2024-10-27 07:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689908

Investor Post-Close

No

XXXX

20250905167

XXXX

XXXX

XXXX

Closed

2024-10-25 17:31

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684487

Investor Post-Close

No

XXXX

20250905167

XXXX

XXXX

XXXX

Closed

2024-10-25 18:03

2024-11-01 16:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684946

Investor Post-Close

No

XXXX

20250905295

XXXX

XXXX

XXXX

Closed

2024-10-23 19:39

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2668347

Investor Post-Close

No

XXXX

20250905359

XXXX

XXXX

XXXX

Closed

2024-10-25 18:25

2024-11-06 16:38

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-The Lender provided sufficient evidence for property taxes regarding REO listed under 3b of the final 1003. Said property is land only and tax bill was provided. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/06/2024 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded.  Land is located in XXXXXXX XXXXXX.  I was not able to find the specific property address listed on 3b of the 1003 in property tax search. Borrower does own a parcel of land however, that is not the physical address the property tax system is showing. Documentation to support the parcel of land the borrowers owns is uploaded. Please - revisit and escalate to XX if unable to clear for consideration of downgrade.   - Seller-11/05/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Evidence of property taxes for property 3b on the final application not provided. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded.  Land is located in XXXXXXX XXXXXX.  I was not able to find the specific property address listed on 3b of the 1003 in property tax search. Borrower does own a parcel of land however, that is not the physical address the property tax system is showing. Documentation to support the parcel of land the borrowers owns is uploaded. Please - revisit and escalate to XX if unable to clear for consideration of downgrade.   - Seller-11/05/2024

Resolved-The Lender provided sufficient evidence for property taxes regarding REO listed under 3b of the final 1003. Said property is land only and tax bill was provided. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/06/2024  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/06/2024

tax information.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2685217

N/A

N/A

XXXX

20250905359

XXXX

XXXX

XXXX

Closed

2024-10-25 18:24

2024-11-06 16:35

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Property Taxes for REO

Resolved-The Lender provided sufficient evidence for property taxes regarding REO listed under 3b of the final 1003. Said property is land only and tax bill was provided. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. Land is located in XXXXXXX XXXXXX.  I was not able to find the specific property address listed on 3b of the 1003 in property tax search. Borrower does own a parcel of land however, that is not the physical address the property tax system is showing. Documentation to support the parcel of land the borrowers owns is uploaded. Please - revisit and escalate to XX if unable to clear for consideration of downgrade. - Seller-11/05/2024 Open-Evidence of property taxes for property 3b on the final application not provided. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. Land is located in XXXXXXX XXXXXX.  I was not able to find the specific property address listed on 3b of the 1003 in property tax search. Borrower does own a parcel of land however, that is not the physical address the property tax system is showing. Documentation to support the parcel of land the borrowers owns is uploaded. Please - revisit and escalate to XX if unable to clear for consideration of downgrade. - Seller-11/05/2024

Resolved-The Lender provided sufficient evidence for property taxes regarding REO listed under 3b of the final 1003. Said property is land only and tax bill was provided. The documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/06/2024

tax information.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2685215

N/A

N/A

XXXX

20250905359

XXXX

XXXX

XXXX

Closed

2024-10-25 17:29

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2684463

Investor Post-Close

No

XXXX

20250905359

XXXX

XXXX

XXXX

Closed

2024-10-25 20:06

2024-10-28 14:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2686374

Investor Post-Close

No

XXXX

20250905243

XXXX

XXXX

XXXX

Closed

2024-10-25 20:28

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686652

Investor Post-Close

No

XXXX

20250905404

XXXX

XXXX

XXXX

Closed

2024-10-26 06:42

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688018

Investor Post-Close

No

XXXX

20250905404

XXXX

XXXX

XXXX

Closed

2024-10-26 06:53

2024-10-26 06:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688037

Investor Post-Close

No

XXXX

20250905137

XXXX

XXXX

XXXX

Closed

2024-10-24 12:39

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671966

Investor Post-Close

No

XXXX

20250905137

XXXX

XXXX

XXXX

Closed

2024-10-24 15:12

2024-10-24 15:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2673429

Investor Post-Close

No

XXXX

20250905528

XXXX

XXXX

XXXX

Closed

2024-10-28 16:57

2024-11-11 20:22

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2695978

N/A

N/A

XXXX

20250905528

XXXX

XXXX

XXXX

Closed

2024-10-28 16:45

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2695834

Investor Post-Close

No

XXXX

20250905528

XXXX

XXXX

XXXX

Closed

2024-10-28 17:10

2024-10-28 17:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696101

Investor Post-Close

No

XXXX

20250905151

XXXX

XXXX

XXXX

Closed

2024-10-28 19:20

2024-11-25 12:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2697628

Investor Post-Close

No

XXXX

20250905151

XXXX

XXXX

XXXX

Closed

2024-10-26 13:56

2024-11-11 20:27

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/26/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2688776

N/A

N/A

XXXX

20250905151

XXXX

XXXX

XXXX

Closed

2024-10-28 08:50

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691838

Investor Post-Close

No

XXXX

20250905308

XXXX

XXXX

XXXX

Closed

2024-10-25 15:52

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683334

Investor Post-Close

No

XXXX

20250905308

XXXX

XXXX

XXXX

Closed

2024-10-25 17:34

2024-10-28 14:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684529

Investor Post-Close

No

XXXX

20250905478

XXXX

XXXX

XXXX

Closed

2024-10-28 10:12

2024-11-11 19:49

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692073

N/A

N/A

XXXX

20250905478

XXXX

XXXX

XXXX

Closed

2024-10-28 18:32

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697085

Investor Post-Close

No

XXXX

20250905478

XXXX

XXXX

XXXX

Closed

2024-10-28 18:32

2024-10-28 18:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697090

Investor Post-Close

No

XXXX

20250905189

XXXX

XXXX

XXXX

Closed

2024-10-26 18:05

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689300

Investor Post-Close

No

XXXX

20250905189

XXXX

XXXX

XXXX

Closed

2024-10-31 22:04

2024-10-31 22:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

XX

Primary Residence

Refinance

Cash Out - Other

2724867

Originator Post-Close

No

XXXX

20250905367

XXXX

XXXX

XXXX

Closed

2024-10-25 14:35

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2681984

Investor Post-Close

No

XXXX

20250905367

XXXX

XXXX

XXXX

Closed

2024-10-25 15:26

2024-10-25 15:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683061

Investor Post-Close

No

XXXX

20250905181

XXXX

XXXX

XXXX

Closed

2024-10-24 12:04

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2671630

Investor Post-Close

No

XXXX

20250905418

XXXX

XXXX

XXXX

Closed

2024-10-25 18:29

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2685262

Investor Post-Close

No

XXXX

20250905454

XXXX

XXXX

XXXX

Closed

2024-10-25 13:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2681231

Investor Post-Close

No

XXXX

20250905454

XXXX

XXXX

XXXX

Closed

2024-10-25 14:33

2024-10-25 14:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2681967

Investor Post-Close

No

XXXX

20250905462

XXXX

XXXX

XXXX

Closed

2024-10-28 13:15

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693177

Investor Post-Close

No

XXXX

20250905462

XXXX

XXXX

XXXX

Closed

2024-10-28 14:13

2024-10-29 19:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693813

Investor Post-Close

No

XXXX

20250905125

XXXX

XXXX

XXXX

Closed

2024-10-24 16:02

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2674304

Investor Post-Close

No

XXXX

20250905125

XXXX

XXXX

XXXX

Closed

2024-10-26 16:20

2024-10-26 16:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689113

Investor Post-Close

No

XXXX

20250905503

XXXX

XXXX

XXXX

Closed

2024-10-25 18:21

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2685169

Investor Post-Close

No

XXXX

20250905503

XXXX

XXXX

XXXX

Closed

2024-10-25 19:29

2024-10-28 14:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686009

Investor Post-Close

No

XXXX

20250905335

XXXX

XXXX

XXXX

Closed

2024-10-25 20:48

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2686852

Investor Post-Close

No

XXXX

20250905335

XXXX

XXXX

XXXX

Closed

2024-10-27 10:14

2024-10-27 10:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690169

Investor Post-Close

No

XXXX

20250905502

XXXX

XXXX

XXXX

Closed

2024-10-25 12:20

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680427

Investor Post-Close

No

XXXX

20250905502

XXXX

XXXX

XXXX

Closed

2024-10-26 17:52

2024-10-26 17:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689279

Investor Post-Close

No

XXXX

20250905561

XXXX

XXXX

XXXX

Closed

2024-10-28 10:51

2024-11-14 16:45

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-TILA: Evidence of executed NORTC(s) provided.  Resolved. - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. uploaded signed RTC - Seller-11/14/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. uploaded signed RTC - Seller-11/14/2024

Resolved-TILA: Evidence of executed NORTC(s) provided.  Resolved. - Due Diligence Vendor-11/14/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2692251

N/A

N/A

XXXX

20250905561

XXXX

XXXX

XXXX

Closed

2024-10-28 10:14

2024-11-14 16:33

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present.  Finding resolved. - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. uploaded signed 1008 - Seller-11/14/2024 Open-The Final 1003 is Missing - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. uploaded signed 1008 - Seller-11/14/2024

Resolved-The Final 1003 is Present.  Finding resolved. - Due Diligence Vendor-11/14/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2692078

N/A

N/A

XXXX

20250905561

XXXX

XXXX

XXXX

Closed

2024-10-28 10:51

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692252

Investor Post-Close

No

XXXX

20250905561

XXXX

XXXX

XXXX

Closed

2024-10-28 12:03

2024-11-01 12:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692630

Investor Post-Close

No

XXXX

20250905432

XXXX

XXXX

XXXX

Closed

2024-11-04 19:07

2024-11-12 13:03

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-The Lender provided the Final CD executed, via electronically, at consummation. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. uploaded signed CD - Seller-11/09/2024 Open-Missing Final executed closing disclosure. - Due Diligence Vendor-11/04/2024

Ready for Review-Document Uploaded. uploaded signed CD - Seller-11/09/2024

Resolved-The Lender provided the Final CD executed, via electronically, at consummation. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/12/2024

CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2738977

N/A

N/A

XXXX

20250905432

XXXX

XXXX

XXXX

Closed

2024-10-28 19:27

2024-11-12 12:36

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-The Lender provided a copy of the executed and dated NORTC (Right to Cancel) for the borrower(s). The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/12/2024 Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. uploaded signed RTC - Seller-11/09/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. uploaded signed RTC - Seller-11/09/2024

Resolved-The Lender provided a copy of the executed and dated NORTC (Right to Cancel) for the borrower(s). The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/12/2024  Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/12/2024

1003 RTC.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2697680

N/A

N/A

XXXX

20250905432

XXXX

XXXX

XXXX

Closed

2024-10-28 18:40

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2697183

Investor Post-Close

No

XXXX

20250905432

XXXX

XXXX

XXXX

Closed

2024-10-28 19:20

2024-10-28 19:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2697629

Investor Post-Close

No

XXXX

20250905331

XXXX

XXXX

XXXX

Closed

2024-10-27 18:54

2024-11-12 12:22

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/12/2024 Resolved-The Final 1003 is Present - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. uploaded signed final 1003s - Seller-11/09/2024 Open-The Final 1003 is Missing. - Due Diligence Vendor-10/27/2024

Ready for Review-Document Uploaded. uploaded signed final 1003s - Seller-11/09/2024

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/12/2024  Resolved-The Final 1003 is Present - Due Diligence Vendor-11/12/2024

1003 RTC.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690892

N/A

N/A

XXXX

20250905331

XXXX

XXXX

XXXX

Closed

2024-10-28 19:08

2024-11-12 12:22

Resolved

1 - Information

Compliance

Disclosure

TILA: NORTC Missing for one or more borrowers/vested parties

Resolved-The Lender provided a copy of the executed and dated NORTC (Right to Cancel). The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/12/2024 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-11/12/2024 Ready for Review-Document Uploaded. Uploaded signed RTC - Seller-11/09/2024 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. Uploaded signed RTC - Seller-11/09/2024

Resolved-The Lender provided a copy of the executed and dated NORTC (Right to Cancel). The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/12/2024  Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-11/12/2024

1003 RTC.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697533

N/A

N/A

XXXX

20250905331

XXXX

XXXX

XXXX

Closed

2024-10-25 16:01

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683453

Investor Post-Close

No

XXXX

20250905331

XXXX

XXXX

XXXX

Closed

2024-10-25 21:58

2024-10-25 21:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2687275

Investor Post-Close

No

XXXX

20250905493

XXXX

XXXX

XXXX

Closed

2024-10-24 19:13

2024-11-19 20:00

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Lender provided evidence of prior policy.  Condition cleared.  - Due Diligence Vendor-11/19/2024 Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. uploaded hazard - Seller-11/15/2024 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-10/27/2024

Ready for Review-Document Uploaded. uploaded hazard - Seller-11/15/2024

Resolved-Lender provided evidence of prior policy.  Condition cleared.  - Due Diligence Vendor-11/19/2024  Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/19/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2676329

N/A

N/A

XXXX

20250905493

XXXX

XXXX

XXXX

Closed

2024-10-27 14:51

2024-11-11 20:01

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/27/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2690550

N/A

N/A

XXXX

20250905493

XXXX

XXXX

XXXX

Closed

2024-10-24 18:51

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676126

Investor Post-Close

No

XXXX

20250905493

XXXX

XXXX

XXXX

Closed

2024-10-27 15:10

2024-10-27 15:10

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690581

Investor Post-Close

No

XXXX

20250905275

XXXX

XXXX

XXXX

Closed

2024-10-24 13:54

2024-10-31 13:42

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/31/2024 Ready for Review-Document Uploaded. Uploaded disbursement ledger and master settlement statement - Seller-10/29/2024 Open-The subject property is located in a dry funding state. Missing Post Close CD or Final HUD-1 to verify final fees. - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. Uploaded disbursement ledger and master settlement statement - Seller-10/29/2024

Resolved-Lender provided a copy of the borrower’s FINAL ALTA Settlement Statement. Said document matches the executed Final CD within the loan file. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-10/31/2024

Final disbursement ledger and mss.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672614

N/A

N/A

XXXX

20250905275

XXXX

XXXX

XXXX

Closed

2024-10-23 12:30

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663031

Investor Post-Close

No

XXXX

20250905275

XXXX

XXXX

XXXX

Closed

2024-10-23 13:11

2024-10-23 13:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2663409

Investor Post-Close

No

XXXX

20250905292

XXXX

XXXX

XXXX

Closed

2024-10-28 18:35

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697145

Investor Post-Close

No

XXXX

20250905292

XXXX

XXXX

XXXX

Closed

2024-10-28 19:07

2024-10-28 19:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697507

Investor Post-Close

No

XXXX

20250905289

XXXX

XXXX

XXXX

Closed

2024-10-25 09:53

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679511

Investor Post-Close

No

XXXX

20250905289

XXXX

XXXX

XXXX

Closed

2024-10-25 22:05

2024-10-28 20:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687308

Investor Post-Close

No

XXXX

20250905538

XXXX

XXXX

XXXX

Closed

2024-10-24 14:02

2024-11-08 19:47

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-Lender provided evidence of XXX.  Condition cleared.  - Due Diligence Vendor-11/08/2024 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. uploaded XXX - Seller-11/07/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. uploaded XXX - Seller-11/07/2024

Resolved-Lender provided evidence of XXX.  Condition cleared.  - Due Diligence Vendor-11/08/2024  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2024

XXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672704

N/A

N/A

XXXX

20250905538

XXXX

XXXX

XXXX

Closed

2024-10-24 14:09

2024-11-08 19:47

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of XXX Dues for Primary Residence

Resolved-Lender provided evidence of XXX.  Condition cleared.  - Due Diligence Vendor-11/08/2024 Ready for Review-Lender provided evidence of XXX.  Condition cleared.  - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. uploaded XXX - Seller-11/07/2024 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. uploaded XXX - Seller-11/07/2024

Resolved-Lender provided evidence of XXX.  Condition cleared.  - Due Diligence Vendor-11/08/2024

XXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672748

N/A

N/A

XXXX

20250905538

XXXX

XXXX

XXXX

Closed

2024-10-24 13:12

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672252

Investor Post-Close

No

XXXX

20250905538

XXXX

XXXX

XXXX

Closed

2024-10-24 14:11

2024-10-24 14:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672773

Investor Post-Close

No

XXXX

20250905097

XXXX

XXXX

XXXX

Closed

2024-10-27 00:18

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689577

Investor Post-Close

No

XXXX

20250905097

XXXX

XXXX

XXXX

Closed

2024-10-27 01:32

2024-10-27 01:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689607

Investor Post-Close

No

XXXX

20250905101

XXXX

XXXX

XXXX

Closed

2024-10-24 17:34

2024-11-11 19:38

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/24/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2675204

N/A

N/A

XXXX

20250905101

XXXX

XXXX

XXXX

Closed

2024-10-24 17:18

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675075

Investor Post-Close

No

XXXX

20250905101

XXXX

XXXX

XXXX

Closed

2024-10-24 18:08

2024-10-24 18:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2675607

Investor Post-Close

No

XXXX

20250905392

XXXX

XXXX

XXXX

Closed

2024-10-25 14:50

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2682196

Investor Post-Close

No

XXXX

20250905392

XXXX

XXXX

XXXX

Closed

2024-10-28 17:05

2024-10-28 17:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696048

Investor Post-Close

No

XXXX

20250905130

XXXX

XXXX

XXXX

Closed

2024-10-26 14:41

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688866

Investor Post-Close

No

XXXX

20250905130

XXXX

XXXX

XXXX

Closed

2024-10-28 18:11

2024-10-28 18:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2696844

Investor Post-Close

No

XXXX

20250905334

XXXX

XXXX

XXXX

Closed

2024-10-27 06:37

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689881

Investor Post-Close

No

XXXX

20250905334

XXXX

XXXX

XXXX

Closed

2024-10-27 07:22

2024-10-27 07:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689930

Investor Post-Close

No

XXXX

20250905195

XXXX

XXXX

XXXX

Closed

2024-10-28 15:17

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2694644

Investor Post-Close

No

XXXX

20250905195

XXXX

XXXX

XXXX

Closed

2024-10-28 15:37

2024-10-28 15:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2695027

Investor Post-Close

No

XXXX

20250905305

XXXX

XXXX

XXXX

Closed

2024-10-21 13:52

2024-11-19 13:00

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/19/2024 Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024 Counter-The XXXXXXXX AVM pages in the file are blank and don't provide any information.  Please provide legible AVM.  Condition remains.   - Due Diligence Vendor-11/05/2024 Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXX AVM. The FSD is 7  (.07) This full AVM is in the imaged loan file.  - Seller-11/02/2024 Open-Appraisal or other primary valuation product is missing AVM is missing in file - Due Diligence Vendor-10/21/2024

Ready for Review-UW guidelines dated 6.6.2024 only required a XXXXXXXXXX AVM. The FSD is 7  (.07) This full AVM is in the imaged loan file.  - Seller-11/02/2024

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/19/2024  Resolved-Lender provided AVM.  Condition cleared. - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645957

N/A

N/A

XXXX

20250905305

XXXX

XXXX

XXXX

Closed

2024-10-21 12:05

2024-11-11 19:30

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application - Not Executed

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/11/2024 Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. uploaded 1003 - Seller-11/09/2024 Open-The Final 1003 is Not Executed - Due Diligence Vendor-10/21/2024

Ready for Review-Document Uploaded. uploaded 1003 - Seller-11/09/2024

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/11/2024  Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/11/2024

1003.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2644796

N/A

N/A

XXXX

20250905305

XXXX

XXXX

XXXX

Closed

2024-10-21 13:35

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/21/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2645762

Investor Post-Close

No

XXXX

20250905305

XXXX

XXXX

XXXX

Closed

2024-10-21 14:07

2024-10-21 14:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/21/2024

XX

Primary Residence

Refinance

Cash Out - Other

2646117

Investor Post-Close

No

XXXX

20250905489

XXXX

XXXX

XXXX

Closed

2024-10-28 08:23

2024-11-11 19:38

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application - Not Executed

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/11/2024 Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. Uploaded 1003 - Seller-11/09/2024 Open-The Final 1003 is Not Executed - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. Uploaded 1003 - Seller-11/09/2024

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/11/2024  Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/11/2024

1003.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691756

N/A

N/A

XXXX

20250905489

XXXX

XXXX

XXXX

Closed

2024-10-28 08:14

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691719

Investor Post-Close

No

XXXX

20250905489

XXXX

XXXX

XXXX

Closed

2024-10-28 08:31

2024-10-31 20:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691786

Investor Post-Close

No

XXXX

20250905411

XXXX

XXXX

XXXX

Closed

2024-10-28 10:15

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692083

Investor Post-Close

No

XXXX

20250905411

XXXX

XXXX

XXXX

Closed

2024-10-28 10:33

2024-10-29 20:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692148

Investor Post-Close

No

XXXX

20250905345

XXXX

XXXX

XXXX

Closed

2024-10-25 21:57

2024-11-12 21:27

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/12/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/12/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2687267

N/A

N/A

XXXX

20250905345

XXXX

XXXX

XXXX

Closed

2024-10-25 14:35

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681985

Investor Post-Close

No

XXXX

20250905345

XXXX

XXXX

XXXX

Closed

2024-10-25 22:20

2024-10-25 22:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687378

Investor Post-Close

No

XXXX

20250905332

XXXX

XXXX

XXXX

Closed

2024-10-24 14:19

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2672868

Investor Post-Close

No

XXXX

20250905332

XXXX

XXXX

XXXX

Closed

2024-10-24 14:49

2024-10-25 01:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2673188

Investor Post-Close

No

XXXX

20250905226

XXXX

XXXX

XXXX

Closed

2024-10-28 12:45

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692901

Investor Post-Close

No

XXXX

20250905226

XXXX

XXXX

XXXX

Closed

2024-10-28 13:14

2024-10-28 13:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693170

Investor Post-Close

No

XXXX

20250905541

XXXX

XXXX

XXXX

Closed

2024-10-28 19:03

2024-11-14 16:52

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-The Lender provided a copy of the borrower’s Final Disbursement Ledger, ALTA and PCCD. Compliance testing passed. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. uploaded final alta - Seller-11/13/2024 Open-Final Closing Disclosure is missing or incomplete Subject property located in XX dry funding state, loan file missing PCCD.  - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. uploaded final alta - Seller-11/13/2024

Resolved-The Lender provided a copy of the borrower’s Final Disbursement Ledger, ALTA and PCCD. Compliance testing passed. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/14/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2697459

N/A

N/A

XXXX

20250905541

XXXX

XXXX

XXXX

Closed

2024-10-25 23:37

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687568

Investor Post-Close

No

XXXX

20250905541

XXXX

XXXX

XXXX

Closed

2024-10-26 00:09

2024-10-26 00:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687623

Investor Post-Close

No

XXXX

20250905091

XXXX

XXXX

XXXX

Closed

2024-10-27 03:36

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689661

Investor Post-Close

No

XXXX

20250905091

XXXX

XXXX

XXXX

Closed

2024-10-27 04:29

2024-10-27 04:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689720

Investor Post-Close

No

XXXX

20250905183

XXXX

XXXX

XXXX

Closed

2024-10-25 17:28

2024-11-13 23:01

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Investor Waived.  Comp Factors Provided. - Due Diligence Vendor-11/13/2024 Unable to Resolve-Unable to Resolve-Agree - 80.85% CLTV.  (1st mtg snapshot balance $XXXXXX.XX + $XXXXX / XXX,XXX) UW used a XXX XXXXXXXX balance of $XXX,XXX.XX. Balance on credit report and snapshot is higher. - Seller-11/06/2024 Open-Audited CLTV of 80.85% exceeds Guideline CLTV of 80% First Lien Balance of $XXX,XXX.XX + Second Lien Balance of $XX,XXX.XX / Qualifying Value of $XXX,XXX.XX. - Due Diligence Vendor-10/25/2024

Unable to Resolve-Unable to Resolve-Agree - 80.85% CLTV.  (1st mtg snapshot balance $XXXXXX.XX + $XXXXX/ XXX,XXX) UW used a 1st mortgage balance of $XXX,XXX. Balance on credit report and snapshot is higher. - Seller-11/06/2024

Waived-Investor Waived.  Comp Factors Provided. - Due Diligence Vendor-11/13/2024

FICO 753;  Borrower has been employed 16+ years in the same field of work;  Residual income of $XXXX

XX

Primary Residence

Refinance

Cash Out - Other

2684451

Investor Post-Close

No

XXXX

20250905183

XXXX

XXXX

XXXX

Closed

2024-10-25 15:44

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683270

Investor Post-Close

No

XXXX

20250905183

XXXX

XXXX

XXXX

Closed

2024-10-25 17:31

2024-10-25 17:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684492

Investor Post-Close

No

XXXX

20250905508

XXXX

XXXX

XXXX

Closed

2024-10-25 17:51

2024-11-11 14:05

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-The Lender provided a copy of the borrower’s Final Disbursement Ledger, ALTA and PCCD. Compliance testing passed. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. Per PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded  - Seller-11/06/2024 Open-Final Closing Disclosure is missing or incomplete Subject Property is located in dry funding state. No Post Closing CD provided with final fees. The file contains a signed Estimated Settlement Statement, and the fees do not match the closing CD. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. Per PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded  - Seller-11/06/2024

Resolved-The Lender provided a copy of the borrower’s Final Disbursement Ledger, ALTA and PCCD. Compliance testing passed. The documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-11/11/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2684753

N/A

N/A

XXXX

20250905508

XXXX

XXXX

XXXX

Closed

2024-10-25 17:38

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2684583

Investor Post-Close

No

XXXX

20250905508

XXXX

XXXX

XXXX

Closed

2024-10-25 21:18

2024-10-25 21:18

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2687089

Investor Post-Close

No

XXXX

20250905186

XXXX

XXXX

XXXX

Closed

2024-10-26 14:16

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688813

Investor Post-Close

No

XXXX

20250905186

XXXX

XXXX

XXXX

Closed

2024-10-26 14:58

2024-10-26 14:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688907

Investor Post-Close

No

XXXX

20250905245

XXXX

XXXX

XXXX

Closed

2024-11-04 15:59

2024-11-11 19:13

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection    - Due Diligence Vendor-11/04/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2736345

N/A

N/A

XXXX

20250905245

XXXX

XXXX

XXXX

Closed

2024-10-27 15:09

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690580

Investor Post-Close

No

XXXX

20250905245

XXXX

XXXX

XXXX

Closed

2024-10-29 09:45

2024-10-29 09:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2700138

Investor Post-Close

No

XXXX

20250905177

XXXX

XXXX

XXXX

Closed

2024-10-25 19:58

2024-11-25 12:38

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Invalid finding. Finding rescinded. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Invalid finding. Finding rescinded. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686275

Investor Post-Close

No

XXXX

20250905177

XXXX

XXXX

XXXX

Closed

2024-10-25 18:57

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2685655

Investor Post-Close

No

XXXX

20250905197

XXXX

XXXX

XXXX

Closed

2024-10-24 15:54

2024-11-22 17:07

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/05/2024 Resolved-The Final 1003 is Present - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. uploaded final 1003 - Seller-11/02/2024 Open-The Final 1003 is Missing - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. uploaded final 1003 - Seller-11/02/2024

Resolved-Lender provided an executed/dated copy of the Final 1003 for the borrower(s).  The documentation submitted is deemed acceptable. Condition cleared.      - Due Diligence Vendor-11/05/2024  Resolved-The Final 1003 is Present - Due Diligence Vendor-11/05/2024

1003.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2674203

N/A

N/A

XXXX

20250905197

XXXX

XXXX

XXXX

Closed

2024-10-24 16:17

2024-11-05 19:11

Resolved

1 - Information

Compliance

Right to Rescind

TILA: NORTC Not Executed by one or more borrowers/vested parties

Resolved-Lender provided a copy of the executed and dated NORTC (Right to Cancel). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/05/2024 Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded. XX/XX/XXXX RTC uploaded - Seller-11/02/2024 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/24/2024

Ready for Review-Document Uploaded. 11/2/2024 RTC uploaded - Seller-11/02/2024

Resolved-Lender provided a copy of the executed and dated NORTC (Right to Cancel). Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/05/2024  Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-11/05/2024

RTC.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2674454

N/A

N/A

XXXX

20250905197

XXXX

XXXX

XXXX

Closed

2024-10-24 16:17

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2674455

Investor Post-Close

No

XXXX

20250905197

XXXX

XXXX

XXXX

Closed

2024-10-24 16:53

2024-10-24 16:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Other

2674787

Investor Post-Close

No

XXXX

20250905159

XXXX

XXXX

XXXX

Closed

2024-10-25 16:04

2024-11-11 19:45

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2683476

N/A

N/A

XXXX

20250905159

XXXX

XXXX

XXXX

Closed

2024-10-25 15:49

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683307

Investor Post-Close

No

XXXX

20250905159

XXXX

XXXX

XXXX

Closed

2024-10-25 16:19

2024-10-25 16:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683652

Investor Post-Close

No

XXXX

20250905095

XXXX

XXXX

XXXX

Closed

2024-10-23 17:46

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2666989

Investor Post-Close

No

XXXX

20250905095

XXXX

XXXX

XXXX

Closed

2024-10-23 19:11

2024-10-28 18:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2668031

Investor Post-Close

No

XXXX

20250905398

XXXX

XXXX

XXXX

Closed

2024-10-24 19:24

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2676437

Investor Post-Close

No

XXXX

20250905398

XXXX

XXXX

XXXX

Closed

2024-10-24 20:08

2024-10-24 20:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2676886

Investor Post-Close

No

XXXX

20250905414

XXXX

XXXX

XXXX

Closed

2024-10-30 13:45

2024-11-11 19:56

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/31/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2711317

N/A

N/A

XXXX

20250905414

XXXX

XXXX

XXXX

Closed

2024-10-30 13:04

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2710822

Investor Post-Close

No

XXXX

20250905414

XXXX

XXXX

XXXX

Closed

2024-10-30 14:00

2024-10-30 14:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2711546

Investor Post-Close

No

XXXX

20250905141

XXXX

XXXX

XXXX

Closed

2024-10-26 07:48

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688119

Investor Post-Close

No

XXXX

20250905141

XXXX

XXXX

XXXX

Closed

2024-10-26 07:58

2024-10-26 07:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688136

Investor Post-Close

No

XXXX

20250905238

XXXX

XXXX

XXXX

Closed

2024-10-27 13:14

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690418

Investor Post-Close

No

XXXX

20250905238

XXXX

XXXX

XXXX

Closed

2024-10-27 13:55

2024-10-27 13:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690489

Investor Post-Close

No

XXXX

20250905412

XXXX

XXXX

XXXX

Closed

2024-10-27 12:48

2024-11-13 23:03

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Investor Waived.  Comp Factors Provided. - Due Diligence Vendor-11/13/2024 Unable to Resolve-Unable to Resolve-Agree - Please escalate to XX for consideration.  Guidelines contain a separate section for XXXXXXXXXXXX AVM's the confidence score for CC AMV  of .09 required a 10% reduction to the value which wasn't applied by UW. Re-calculated CLTV 77.58% Thank you for pointing out.   - Seller-11/07/2024 Counter-Lender provided the AVM from XXXXXXXXXXXX with a FSD score of .09.  The lender guidelines (v24.10) do allow an AVM from XXXXXXXXXXXX but require a 10% reduction in the AVM value for a FSD score from 0.061 to 0.13.  Accordingly, the AVM value of $XXX,XXX.XX was reduced to $XXX,XXX.XX.  Condition remains.   - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. The XXX XXXXXXXX snapshot shows a balance of  $XX,XXX.XX + subject loan $XX,XXX.XX/ $XXX,XXX.XX AVM value with a .09 confidence score = 69.822% CLTV - Seller-11/06/2024 Open-Audited CLTV of 77.58% exceeds Guideline CLTV of 70% - Due Diligence Vendor-10/27/2024

Unable to Resolve-Unable to Resolve-Agree - Please escalate to XX for consideration.  Guidelines contain a separate section for XXXXXXXXXXXXX AVM's the confidence score for XX AMV  of .09 required a 10% reduction to the value which wasn't applied by UW. Re-calculated CLTV 77.58% Thank you for pointing out.   - Seller-11/07/2024  Ready for Review-Document Uploaded. The 1st mortgage snapshot shows a balance of  $XX,XXX.XX + subject loan $XXXXX / $XXX,XXX AVM value with a .09 confidence score = 69.822% CLTV - Seller-11/06/2024

Waived-Investor Waived.  Comp Factors Provided. - Due Diligence Vendor-11/13/2024

AVM.pdf 1st mortgage.pdf

Loan meets requirements for FICO and DTI; Borrower has owned the home for 8+ years as primary residence

XX

Primary Residence

Refinance

Cash Out - Other

2690374

Investor Post-Close

No

XXXX

20250905412

XXXX

XXXX

XXXX

Closed

2024-10-27 11:37

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690275

Investor Post-Close

No

XXXX

20250905412

XXXX

XXXX

XXXX

Closed

2024-10-27 12:49

2024-10-27 12:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690376

Investor Post-Close

No

XXXX

20250905530

XXXX

XXXX

XXXX

Closed

2024-10-25 15:12

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2682736

Investor Post-Close

No

XXXX

20250905530

XXXX

XXXX

XXXX

Closed

2024-10-25 15:52

2024-10-25 15:52

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2683327

Investor Post-Close

No

XXXX

20250905267

XXXX

XXXX

XXXX

Closed

2024-10-25 11:50

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2680216

Investor Post-Close

No

XXXX

20250905277

XXXX

XXXX

XXXX

Closed

2024-10-25 18:26

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2685228

Investor Post-Close

No

XXXX

20250905277

XXXX

XXXX

XXXX

Closed

2024-10-25 19:39

2024-10-25 19:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686094

Investor Post-Close

No

XXXX

20250905168

XXXX

XXXX

XXXX

Closed

2024-10-26 10:20

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688372

Investor Post-Close

No

XXXX

20250905168

XXXX

XXXX

XXXX

Closed

2024-10-28 17:16

2024-10-28 17:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2696157

Investor Post-Close

No

XXXX

20250905104

XXXX

XXXX

XXXX

Closed

2024-10-28 09:23

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691911

Investor Post-Close

No

XXXX

20250905104

XXXX

XXXX

XXXX

Closed

2024-10-28 21:40

2024-10-28 21:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2698780

Investor Post-Close

No

XXXX

20250905149

XXXX

XXXX

XXXX

Closed

2024-10-27 17:02

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690790

Investor Post-Close

No

XXXX

20250905149

XXXX

XXXX

XXXX

Closed

2024-10-29 14:51

2024-10-31 14:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2702698

Investor Post-Close

No

XXXX

20250905497

XXXX

XXXX

XXXX

Closed

2024-10-25 10:10

2024-11-11 20:28

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-11/01/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2679574

N/A

N/A

XXXX

20250905497

XXXX

XXXX

XXXX

Closed

2024-10-25 08:31

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679248

Investor Post-Close

No

XXXX

20250905497

XXXX

XXXX

XXXX

Closed

2024-10-25 09:12

2024-10-25 09:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679367

Investor Post-Close

No

XXXX

20250905098

XXXX

XXXX

XXXX

Closed

2024-10-25 09:18

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2679385

Investor Post-Close

No

XXXX

20250905098

XXXX

XXXX

XXXX

Closed

2024-10-26 05:58

2024-10-26 05:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2687946

Investor Post-Close

No

XXXX

20250905543

XXXX

XXXX

XXXX

Closed

2024-10-28 10:45

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692214

Investor Post-Close

No

XXXX

20250905543

XXXX

XXXX

XXXX

Closed

2024-10-28 17:56

2024-11-01 15:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696646

Investor Post-Close

No

XXXX

20250905209

XXXX

XXXX

XXXX

Closed

2024-10-26 10:14

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688360

Investor Post-Close

No

XXXX

20250905209

XXXX

XXXX

XXXX

Closed

2024-10-26 11:28

2024-10-26 11:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688510

Investor Post-Close

No

XXXX

20250905364

XXXX

XXXX

XXXX

Closed

2024-10-29 11:15

2024-11-11 19:51

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/29/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2700496

N/A

N/A

XXXX

20250905364

XXXX

XXXX

XXXX

Closed

2024-10-28 11:20

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692373

Investor Post-Close

No

XXXX

20250905364

XXXX

XXXX

XXXX

Closed

2024-10-29 11:11

2024-10-29 11:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2700478

Investor Post-Close

No

XXXX

20250905358

XXXX

XXXX

XXXX

Closed

2024-10-27 18:19

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690857

Investor Post-Close

No

XXXX

20250905358

XXXX

XXXX

XXXX

Closed

2024-10-27 18:27

2024-10-27 18:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690869

Investor Post-Close

No

XXXX

20250905495

XXXX

XXXX

XXXX

Closed

2024-10-29 16:50

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2704354

Investor Post-Close

No

XXXX

20250905495

XXXX

XXXX

XXXX

Closed

2024-10-29 17:16

2024-10-29 17:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2704741

Investor Post-Close

No

XXXX

20250905102

XXXX

XXXX

XXXX

Closed

2024-10-28 17:57

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2696651

Investor Post-Close

No

XXXX

20250905102

XXXX

XXXX

XXXX

Closed

2024-10-28 18:30

2024-11-04 16:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697064

Investor Post-Close

No

XXXX

20250905146

XXXX

XXXX

XXXX

Closed

2024-10-27 15:15

2024-11-11 19:07

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/27/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690586

N/A

N/A

XXXX

20250905146

XXXX

XXXX

XXXX

Closed

2024-10-27 14:40

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690538

Investor Post-Close

No

XXXX

20250905146

XXXX

XXXX

XXXX

Closed

2024-10-27 15:39

2024-10-27 15:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690613

Investor Post-Close

No

XXXX

20250905145

XXXX

XXXX

XXXX

Closed

2024-10-27 07:43

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689958

Investor Post-Close

No

XXXX

20250905145

XXXX

XXXX

XXXX

Closed

2024-10-27 09:49

2024-10-27 09:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690123

Investor Post-Close

No

XXXX

20250905165

XXXX

XXXX

XXXX

Closed

2024-10-27 16:52

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690784

Investor Post-Close

No

XXXX

20250905165

XXXX

XXXX

XXXX

Closed

2024-10-27 17:26

2024-10-27 17:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690814

Investor Post-Close

No

XXXX

20250905131

XXXX

XXXX

XXXX

Closed

2024-10-27 12:42

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690370

Investor Post-Close

No

XXXX

20250905131

XXXX

XXXX

XXXX

Closed

2024-10-29 09:17

2024-10-29 09:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2700077

Investor Post-Close

No

XXXX

20250905459

XXXX

XXXX

XXXX

Closed

2024-10-28 12:05

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692646

Investor Post-Close

No

XXXX

20250905459

XXXX

XXXX

XXXX

Closed

2024-10-28 12:35

2024-10-28 12:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692841

Investor Post-Close

No

XXXX

20250905153

XXXX

XXXX

XXXX

Closed

2024-10-26 13:16

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688695

Investor Post-Close

No

XXXX

20250905153

XXXX

XXXX

XXXX

Closed

2024-10-26 13:29

2024-10-31 15:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688725

Investor Post-Close

No

XXXX

20250905201

XXXX

XXXX

XXXX

Closed

2024-10-29 07:34

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2699877

Investor Post-Close

No

XXXX

20250905201

XXXX

XXXX

XXXX

Closed

2024-10-29 08:21

2024-10-29 08:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2699957

Investor Post-Close

No

XXXX

20250905328

XXXX

XXXX

XXXX

Closed

2024-10-27 21:34

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691006

Investor Post-Close

No

XXXX

20250905328

XXXX

XXXX

XXXX

Closed

2024-10-29 21:20

2024-10-29 21:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Secondary product AVM does not meet guideline requirements. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Secondary product AVM does not meet guideline requirements. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2707786

Originator Post-Close

No

XXXX

20250905258

XXXX

XXXX

XXXX

Closed

2024-10-28 14:11

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693782

Investor Post-Close

No

XXXX

20250905258

XXXX

XXXX

XXXX

Closed

2024-10-28 16:58

2024-10-28 16:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2695989

Investor Post-Close

No

XXXX

20250905126

XXXX

XXXX

XXXX

Closed

2024-10-28 13:37

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693376

Investor Post-Close

No

XXXX

20250905126

XXXX

XXXX

XXXX

Closed

2024-10-28 13:54

2024-10-28 13:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693630

Investor Post-Close

No

XXXX

20250905434

XXXX

XXXX

XXXX

Closed

2024-10-28 10:38

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692171

Investor Post-Close

No

XXXX

20250905434

XXXX

XXXX

XXXX

Closed

2024-10-28 13:58

2024-10-28 13:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693660

Investor Post-Close

No

XXXX

20250905343

XXXX

XXXX

XXXX

Closed

2024-10-27 10:50

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690210

Investor Post-Close

No

XXXX

20250905343

XXXX

XXXX

XXXX

Closed

2024-10-28 17:10

2024-10-31 14:54

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696104

Investor Post-Close

No

XXXX

20250905490

XXXX

XXXX

XXXX

Closed

2024-10-25 10:58

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679804

Investor Post-Close

No

XXXX

20250905490

XXXX

XXXX

XXXX

Closed

2024-10-25 20:32

2024-10-28 18:19

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686691

Investor Post-Close

No

XXXX

20250905333

XXXX

XXXX

XXXX

Closed

2024-10-28 12:19

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692746

Investor Post-Close

No

XXXX

20250905207

XXXX

XXXX

XXXX

Closed

2024-10-25 17:56

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2684854

Investor Post-Close

No

XXXX

20250905207

XXXX

XXXX

XXXX

Closed

2024-10-28 18:22

2024-10-28 18:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2696962

Investor Post-Close

No

XXXX

20250905239

XXXX

XXXX

XXXX

Closed

2024-10-25 08:22

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2679210

Investor Post-Close

No

XXXX

20250905239

XXXX

XXXX

XXXX

Closed

2024-10-25 08:30

2024-10-25 08:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2679237

Investor Post-Close

No

XXXX

20250905279

XXXX

XXXX

XXXX

Closed

2024-10-25 12:29

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680502

Investor Post-Close

No

XXXX

20250905279

XXXX

XXXX

XXXX

Closed

2024-10-25 13:06

2024-10-25 13:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680876

Investor Post-Close

No

XXXX

20250905129

XXXX

XXXX

XXXX

Closed

2024-10-23 18:43

2024-12-16 19:59

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Lender provided XX/XX/XXXX CD.  Condition cleared.  - Due Diligence Vendor-12/16/2024 Resolved-Resolved - Due Diligence Vendor-12/16/2024 Ready for Review-Document Uploaded. uploaded initial CD XX/XX/XXXX  - Seller-12/16/2024 Counter-Lender indicated the XX/XX/XXXX, 11:11am CD was excluded from the timeline and not sent to the borrower.  The Disclosure Tracking Summary provided in the trailing documents indicates the XX/XX/XXXX, 4:22:20pm CD was included in the timeline and was provided by mail.  Please provide the XX/XX/XXXX, 4:22:20pm CD.  Condition remains.   - Due Diligence Vendor-11/26/2024 Ready for Review-Per PC area - CD sent with Closing Package on XX/XX/XXXX at 11:11am was excluded from timeline was not sent to borrower.  The CD sent by US Mail on XX/XX/XXXX at 4:22PM was sent to borrower.   - Seller-11/26/2024 Counter- - Due Diligence Vendor-11/20/2024 Counter-Lender indicates the LE dated XX/XX/XXXX was uploaded.  This document was not found in the upload but was found in the loan file so this part of the condition is resolved.  Lender indicates the XX/XX/XXXX Initial CD was only sent to the closing agent.  Attachment provided labeled tracking1, page 15, indicates a CD was provided by mail with a presumed receive date of XX/XX/XXXX.  Attachment provided labeled tracking, page 2, indicates the XX/XX/XXXX CD was included in the timeline.  Please provide the XX/XX/XXXX CD.  Condition remains. - Due Diligence Vendor-11/20/2024 Ready for Review-The XX/XX/XXXX CD was the balancing CD sent to the closing agent only, it was not sent to the borrower. Uploaded LE dated XX/XX/XXXX. - Seller-11/19/2024 Counter-Lender provided Disclosure Tracking which reflects the following documents that were not provided in the loan file or in trailing documents:  Revised LE dated XX/XX/XXXX and initial CD dated XX/XX/XXXX.  Please provide the missing LE and CD so compliance can be re-ran.  Additional conditions may apply.  Condition remains.   - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure.  - Due Diligence Vendor-10/23/2024

Ready for Review-Document Uploaded. uploaded initial CD XX/XX/XXXX  - Seller-12/16/2024  Ready for Review-Per PC area - CD sent with Closing Package on XX/XX at 11:11am was excluded from timeline was not sent to borrower.  The CD sent by US Mail onXX/XX4 at 4:22PM was sent to borrower.   - Seller-11/26/2024  Ready for Review-The XX/XX/XXXX CD was the balancing CD sent to the closing agent only, it was not sent to the borrower. Uploaded LE dated XX/XX/XXXX. - Seller-11/19/2024  Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/02/2024

Resolved-Lender provided 08/14/2024 CD.  Condition cleared.  - Due Diligence Vendor-12/16/2024  Resolved-Resolved - Due Diligence Vendor-12/16/2024

tracking1.pdf tracking.pdf package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2667733

N/A

N/A

XXXX

20250905129

XXXX

XXXX

XXXX

Closed

2024-10-23 18:31

2024-11-11 16:52

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-PDI has been ordered.  Awaiting receipt.  Condition remains.   - Due Diligence Vendor-11/06/2024 Ready for Review-Please escalate as XX is ordering PDI's - Seller-11/02/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/23/2024

Ready for Review-Please escalate as XX is ordering PDI's - Seller-11/02/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2667556

N/A

N/A

XXXX

20250905129

XXXX

XXXX

XXXX

Closed

2024-10-23 17:48

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2667022

Investor Post-Close

No

XXXX

20250905129

XXXX

XXXX

XXXX

Closed

2024-10-23 18:55

2024-10-29 00:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2667883

Investor Post-Close

No

XXXX

20250905366

XXXX

XXXX

XXXX

Closed

2024-10-26 10:06

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688339

Investor Post-Close

No

XXXX

20250905366

XXXX

XXXX

XXXX

Closed

2024-10-27 15:16

2024-10-29 20:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690587

Investor Post-Close

No

XXXX

20250905437

XXXX

XXXX

XXXX

Closed

2024-10-26 11:28

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688509

Investor Post-Close

No

XXXX

20250905437

XXXX

XXXX

XXXX

Closed

2024-10-27 17:07

2024-10-30 12:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690798

Investor Post-Close

No

XXXX

20250905473

XXXX

XXXX

XXXX

Closed

2024-10-28 14:45

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2694274

Investor Post-Close

No

XXXX

20250905473

XXXX

XXXX

XXXX

Closed

2024-10-28 15:50

2024-10-28 15:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2695165

Investor Post-Close

No

XXXX

20250905356

XXXX

XXXX

XXXX

Closed

2024-10-30 10:47

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709873

Investor Post-Close

No

XXXX

20250905356

XXXX

XXXX

XXXX

Closed

2024-10-30 11:50

2024-10-30 11:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2710198

Investor Post-Close

No

XXXX

20250905259

XXXX

XXXX

XXXX

Closed

2024-11-01 14:22

2024-11-08 17:19

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-The lender provided a copy of the borrower’s FINAL ALTA Settlement Statement, PCCD and ledger. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-11/08/2024 Ready for Review-Document Uploaded. Per PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded  - Seller-11/06/2024 Open-The subject property is located in a dry funding state. Missing Post Close CD or Final HUD-1 to verify final fees. - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. Per PC area - Final Disbursement Ledger, ALTA and PCCD are uploaded  - Seller-11/06/2024

Resolved-The lender provided a copy of the borrower’s FINAL ALTA Settlement Statement, PCCD and ledger. The documentation submitted is deemed acceptable. Condition cleared.    - Due Diligence Vendor-11/08/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2727489

N/A

N/A

XXXX

20250905259

XXXX

XXXX

XXXX

Closed

2024-10-27 05:10

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689763

Investor Post-Close

No

XXXX

20250905259

XXXX

XXXX

XXXX

Closed

2024-10-27 05:40

2024-10-27 05:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689798

Investor Post-Close

No

XXXX

20250905469

XXXX

XXXX

XXXX

Closed

2024-10-26 12:45

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688643

Investor Post-Close

No

XXXX

20250905469

XXXX

XXXX

XXXX

Closed

2024-10-28 18:50

2024-10-28 18:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2697298

Investor Post-Close

No

XXXX

20250905313

XXXX

XXXX

XXXX

Closed

2024-10-28 17:16

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696153

Investor Post-Close

No

XXXX

20250905313

XXXX

XXXX

XXXX

Closed

2024-10-28 17:33

2024-10-28 17:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696382

Investor Post-Close

No

XXXX

20250905099

XXXX

XXXX

XXXX

Closed

2024-10-24 20:29

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2677110

Investor Post-Close

No

XXXX

20250905099

XXXX

XXXX

XXXX

Closed

2024-10-25 13:08

2024-10-25 13:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680893

Investor Post-Close

No

XXXX

20250905402

XXXX

XXXX

XXXX

Closed

2024-10-28 18:55

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697380

Investor Post-Close

No

XXXX

20250905402

XXXX

XXXX

XXXX

Closed

2024-10-28 19:40

2024-10-29 20:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697778

Investor Post-Close

No

XXXX

20250905136

XXXX

XXXX

XXXX

Closed

2024-10-25 16:37

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683850

Investor Post-Close

No

XXXX

20250905136

XXXX

XXXX

XXXX

Closed

2024-10-28 21:12

2024-11-04 17:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2698580

Investor Post-Close

No

XXXX

20250905385

XXXX

XXXX

XXXX

Closed

2024-10-29 19:06

2024-11-11 19:03

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/29/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2706254

N/A

N/A

XXXX

20250905385

XXXX

XXXX

XXXX

Closed

2024-10-29 19:50

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.   - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2706878

Investor Post-Close

No

XXXX

20250905385

XXXX

XXXX

XXXX

Closed

2024-10-29 19:35

2024-10-29 19:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2706681

Investor Post-Close

No

XXXX

20250905472

XXXX

XXXX

XXXX

Closed

2024-10-25 19:02

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2685720

Investor Post-Close

No

XXXX

20250905472

XXXX

XXXX

XXXX

Closed

2024-10-25 19:38

2024-10-25 19:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686090

Investor Post-Close

No

XXXX

20250905302

XXXX

XXXX

XXXX

Closed

2024-10-28 11:50

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692555

Investor Post-Close

No

XXXX

20250905302

XXXX

XXXX

XXXX

Closed

2024-10-28 12:35

2024-10-30 20:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Secondary valuation in file has confidence score of 78 and FSD of 11. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Secondary valuation in file has confidence score of 78 and FSD of 11. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692846

Investor Post-Close

No

XXXX

20250905221

XXXX

XXXX

XXXX

Closed

2024-10-25 12:53

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680721

Investor Post-Close

No

XXXX

20250905221

XXXX

XXXX

XXXX

Closed

2024-10-25 13:25

2024-10-25 13:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681138

Investor Post-Close

No

XXXX

20250905144

XXXX

XXXX

XXXX

Closed

2024-10-28 17:55

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696634

Investor Post-Close

No

XXXX

20250905144

XXXX

XXXX

XXXX

Closed

2024-10-28 18:56

2024-10-28 18:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2697393

Investor Post-Close

No

XXXX

20250905369

XXXX

XXXX

XXXX

Closed

2024-10-26 16:26

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689124

Investor Post-Close

No

XXXX

20250905369

XXXX

XXXX

XXXX

Closed

2024-10-26 19:30

2024-10-26 19:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689400

Investor Post-Close

No

XXXX

20250905205

XXXX

XXXX

XXXX

Closed

2024-10-26 11:39

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688531

Investor Post-Close

No

XXXX

20250905205

XXXX

XXXX

XXXX

Closed

2024-10-26 12:33

2024-10-30 14:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688620

Investor Post-Close

No

XXXX

20250905206

XXXX

XXXX

XXXX

Closed

2024-10-25 11:24

2024-11-11 21:04

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-Lender provided Master Insurance policy.  Condition cleared.  - Due Diligence Vendor-11/11/2024 Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/11/2024 Ready for Review-Document Uploaded. uploaded MCOI - Seller-11/09/2024 Escalated-HO6 Master Insurance Policy is missing.  HO6 not required per Seller Guidelines but required for securitization purposes.  XX to review. - Due Diligence Vendor-11/06/2024 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. uploaded MCOI - Seller-11/09/2024

Resolved-Lender provided Master Insurance policy.  Condition cleared.  - Due Diligence Vendor-11/11/2024  Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/11/2024

MCOI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2680021

N/A

N/A

XXXX

20250905206

XXXX

XXXX

XXXX

Closed

2024-10-25 10:48

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2679766

Investor Post-Close

No

XXXX

20250905206

XXXX

XXXX

XXXX

Closed

2024-10-25 11:51

2024-11-01 13:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/01/2024

XX

Primary Residence

Refinance

Cash Out - Other

2680225

Investor Post-Close

No

XXXX

20250905172

XXXX

XXXX

XXXX

Closed

2024-10-28 13:23

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693231

Investor Post-Close

No

XXXX

20250905172

XXXX

XXXX

XXXX

Closed

2024-10-28 13:47

2024-10-30 20:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693524

Investor Post-Close

No

XXXX

20250905284

XXXX

XXXX

XXXX

Closed

2024-10-27 20:57

2024-11-11 18:05

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/27/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2690982

N/A

N/A

XXXX

20250905284

XXXX

XXXX

XXXX

Closed

2024-10-27 20:24

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/01/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690963

Investor Post-Close

No

XXXX

20250905284

XXXX

XXXX

XXXX

Closed

2024-10-27 21:28

2024-10-27 21:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690994

Investor Post-Close

No

XXXX

20250905727

XXXX

XXXX

XXXX

Closed

2024-10-17 14:46

2024-10-30 17:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.- - Due Diligence Vendor-10/17/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2621389

Investor Post-Close

No

XXXX

20250905727

XXXX

XXXX

XXXX

Closed

2024-10-17 15:53

2024-10-17 17:02

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

2622697

Investor Post-Close

No

XXXX

20250905522

XXXX

XXXX

XXXX

Closed

2024-10-25 21:55

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687262

Investor Post-Close

No

XXXX

20250905522

XXXX

XXXX

XXXX

Closed

2024-10-25 22:38

2024-10-25 22:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687433

Investor Post-Close

No

XXXX

20250905178

XXXX

XXXX

XXXX

Closed

2024-10-25 18:54

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/31/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2685617

Investor Post-Close

No

XXXX

20250905178

XXXX

XXXX

XXXX

Closed

2024-10-31 13:23

2024-10-31 13:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Secondary valuation in file has a confidence score of 78 and FSD score of 11. - Due Diligence Vendor-10/31/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Secondary valuation in file has a confidence score of 78 and FSD score of 11. - Due Diligence Vendor-10/31/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2720266

Investor Post-Close

No

XXXX

20250905148

XXXX

XXXX

XXXX

Closed

2024-10-28 11:06

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692321

Investor Post-Close

No

XXXX

20250905148

XXXX

XXXX

XXXX

Closed

2024-10-28 12:44

2024-10-28 12:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692890

Investor Post-Close

No

XXXX

20250905519

XXXX

XXXX

XXXX

Closed

2024-10-27 07:10

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689917

Investor Post-Close

No

XXXX

20250905519

XXXX

XXXX

XXXX

Closed

2024-10-27 07:44

2024-10-27 07:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2689959

Investor Post-Close

No

XXXX

20250905555

XXXX

XXXX

XXXX

Closed

2024-10-28 17:47

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696549

Investor Post-Close

No

XXXX

20250905555

XXXX

XXXX

XXXX

Closed

2024-10-29 09:27

2024-10-29 09:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2700099

Investor Post-Close

No

XXXX

20250905425

XXXX

XXXX

XXXX

Closed

2024-10-28 16:15

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2695469

Investor Post-Close

No

XXXX

20250905425

XXXX

XXXX

XXXX

Closed

2024-10-28 16:40

2024-10-30 19:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2695745

Investor Post-Close

No

XXXX

20250905383

XXXX

XXXX

XXXX

Closed

2024-11-13 18:22

2024-11-18 14:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Acknowledged by Client. - Due Diligence Vendor-11/18/2024 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Acknowledged by Client. - Due Diligence Vendor-11/13/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Acknowledged by Client. - Due Diligence Vendor-11/18/2024  Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Acknowledged by Client. - Due Diligence Vendor-11/13/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2802628

Investor Post-Close

No

XXXX

20250905383

XXXX

XXXX

XXXX

Closed

2024-10-23 07:50

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2661717

Investor Post-Close

No

XXXX

20250905470

XXXX

XXXX

XXXX

Closed

2024-10-28 15:10

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2694594

Investor Post-Close

No

XXXX

20250905470

XXXX

XXXX

XXXX

Closed

2024-10-30 19:36

2024-10-30 19:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Secondary valuation in loan file has a confidence level of 78 and a FSD of 10.  - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. Secondary valuation in loan file has a confidence level of 78 and a FSD of 10.  - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2716305

Investor Post-Close

No

XXXX

20250905526

XXXX

XXXX

XXXX

Closed

2024-10-29 19:35

2024-11-11 20:09

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/29/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2706680

N/A

N/A

XXXX

20250905526

XXXX

XXXX

XXXX

Closed

2024-10-29 19:50

2024-10-29 19:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2706876

Investor Post-Close

No

XXXX

20250905542

XXXX

XXXX

XXXX

Closed

2024-10-28 13:45

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693498

Investor Post-Close

No

XXXX

20250905542

XXXX

XXXX

XXXX

Closed

2024-10-28 14:20

2024-10-28 14:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693884

Investor Post-Close

No

XXXX

20250905152

XXXX

XXXX

XXXX

Closed

2024-10-28 16:23

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2695571

Investor Post-Close

No

XXXX

20250905152

XXXX

XXXX

XXXX

Closed

2024-10-28 16:40

2024-10-28 16:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2695746

Investor Post-Close

No

XXXX

20250905303

XXXX

XXXX

XXXX

Closed

2024-10-28 18:15

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696886

Investor Post-Close

No

XXXX

20250905303

XXXX

XXXX

XXXX

Closed

2024-10-28 20:03

2024-10-28 20:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2698005

Investor Post-Close

No

XXXX

20250905314

XXXX

XXXX

XXXX

Closed

2024-10-26 00:08

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687622

Investor Post-Close

No

XXXX

20250905314

XXXX

XXXX

XXXX

Closed

2024-10-26 00:35

2024-10-29 12:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687666

Investor Post-Close

No

XXXX

20250905192

XXXX

XXXX

XXXX

Closed

2024-10-25 18:17

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2685116

Investor Post-Close

No

XXXX

20250905192

XXXX

XXXX

XXXX

Closed

2024-10-25 18:38

2024-10-29 18:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2685367

Investor Post-Close

No

XXXX

20250905375

XXXX

XXXX

XXXX

Closed

2024-10-29 15:33

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2703396

Investor Post-Close

No

XXXX

20250905375

XXXX

XXXX

XXXX

Closed

2024-10-29 17:17

2024-10-29 17:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2704773

Investor Post-Close

No

XXXX

20250905312

XXXX

XXXX

XXXX

Closed

2024-10-25 14:03

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681592

Investor Post-Close

No

XXXX

20250905312

XXXX

XXXX

XXXX

Closed

2024-10-25 16:11

2024-10-25 16:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2683583

Investor Post-Close

No

XXXX

20250905507

XXXX

XXXX

XXXX

Closed

2024-10-26 09:28

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688281

Investor Post-Close

No

XXXX

20250905507

XXXX

XXXX

XXXX

Closed

2024-10-26 09:50

2024-10-26 09:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688312

Investor Post-Close

No

XXXX

20250905512

XXXX

XXXX

XXXX

Closed

2024-10-31 17:34

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2722768

Investor Post-Close

No

XXXX

20250905512

XXXX

XXXX

XXXX

Closed

2024-10-31 18:25

2024-10-31 18:25

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/31/2024

XX

Primary Residence

Refinance

Cash Out - Other

2723264

Investor Post-Close

No

XXXX

20250905439

XXXX

XXXX

XXXX

Closed

2024-10-26 12:03

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688572

Investor Post-Close

No

XXXX

20250905439

XXXX

XXXX

XXXX

Closed

2024-10-26 13:04

2024-10-26 13:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688677

Investor Post-Close

No

XXXX

20250905460

XXXX

XXXX

XXXX

Closed

2024-10-26 11:29

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688511

Investor Post-Close

No

XXXX

20250905460

XXXX

XXXX

XXXX

Closed

2024-10-26 11:27

2024-10-26 11:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688503

Investor Post-Close

No

XXXX

20250905494

XXXX

XXXX

XXXX

Closed

2024-10-27 13:19

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690429

Investor Post-Close

No

XXXX

20250905494

XXXX

XXXX

XXXX

Closed

2024-10-27 13:55

2024-10-27 13:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690492

Investor Post-Close

No

XXXX

20250905485

XXXX

XXXX

XXXX

Closed

2024-10-25 16:53

2024-11-11 19:28

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2684081

N/A

N/A

XXXX

20250905485

XXXX

XXXX

XXXX

Closed

2024-10-25 15:18

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2682975

Investor Post-Close

No

XXXX

20250905485

XXXX

XXXX

XXXX

Closed

2024-10-25 17:07

2024-10-25 17:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2684227

Investor Post-Close

No

XXXX

20250905422

XXXX

XXXX

XXXX

Closed

2024-10-26 01:48

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2687718

Investor Post-Close

No

XXXX

20250905422

XXXX

XXXX

XXXX

Closed

2024-10-26 02:45

2024-10-26 02:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2687761

Investor Post-Close

No

XXXX

20250905096

XXXX

XXXX

XXXX

Closed

2024-10-25 23:47

2024-11-11 19:47

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2687588

N/A

N/A

XXXX

20250905096

XXXX

XXXX

XXXX

Closed

2024-10-25 23:23

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687529

Investor Post-Close

No

XXXX

20250905096

XXXX

XXXX

XXXX

Closed

2024-10-26 00:07

2024-10-30 15:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687612

Investor Post-Close

No

XXXX

20250905361

XXXX

XXXX

XXXX

Closed

2024-10-29 18:41

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2705932

Investor Post-Close

No

XXXX

20250905361

XXXX

XXXX

XXXX

Closed

2024-10-29 19:19

2024-10-30 15:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2706472

Investor Post-Close

No

XXXX

20250905371

XXXX

XXXX

XXXX

Closed

2024-10-30 08:55

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2709480

Investor Post-Close

No

XXXX

20250905371

XXXX

XXXX

XXXX

Closed

2024-10-30 09:28

2024-10-30 09:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2709552

Investor Post-Close

No

XXXX

20250905443

XXXX

XXXX

XXXX

Closed

2024-10-25 19:41

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686109

Investor Post-Close

No

XXXX

20250905443

XXXX

XXXX

XXXX

Closed

2024-10-25 20:07

2024-10-25 20:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686383

Investor Post-Close

No

XXXX

20250905108

XXXX

XXXX

XXXX

Closed

2024-10-27 22:23

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691022

Investor Post-Close

No

XXXX

20250905108

XXXX

XXXX

XXXX

Closed

2024-10-27 22:58

2024-10-29 17:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691035

Investor Post-Close

No

XXXX

20250905380

XXXX

XXXX

XXXX

Closed

2024-10-27 21:09

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690986

Investor Post-Close

No

XXXX

20250905380

XXXX

XXXX

XXXX

Closed

2024-10-27 21:35

2024-10-27 21:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691007

Investor Post-Close

No

XXXX

20250905365

XXXX

XXXX

XXXX

Closed

2024-10-23 14:54

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2664514

Investor Post-Close

No

XXXX

20250905325

XXXX

XXXX

XXXX

Closed

2024-10-26 16:53

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689172

Investor Post-Close

No

XXXX

20250905325

XXXX

XXXX

XXXX

Closed

2024-10-26 17:26

2024-10-26 17:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689235

Investor Post-Close

No

XXXX

20250905269

XXXX

XXXX

XXXX

Closed

2024-10-29 11:20

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2700521

Investor Post-Close

No

XXXX

20250905269

XXXX

XXXX

XXXX

Closed

2024-10-29 11:58

2024-10-29 11:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2700777

Investor Post-Close

No

XXXX

20250905368

XXXX

XXXX

XXXX

Closed

2024-10-25 20:03

2024-11-11 19:41

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-10/31/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/25/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2686348

N/A

N/A

XXXX

20250905368

XXXX

XXXX

XXXX

Closed

2024-10-25 19:38

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2686083

Investor Post-Close

No

XXXX

20250905368

XXXX

XXXX

XXXX

Closed

2024-10-25 20:44

2024-10-30 14:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2686830

Investor Post-Close

No

XXXX

20250905448

XXXX

XXXX

XXXX

Closed

2024-10-28 11:39

2024-11-11 19:09

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2692503

N/A

N/A

XXXX

20250905448

XXXX

XXXX

XXXX

Closed

2024-10-28 11:27

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692405

Investor Post-Close

No

XXXX

20250905448

XXXX

XXXX

XXXX

Closed

2024-10-28 11:37

2024-10-28 11:37

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692494

Investor Post-Close

No

XXXX

20250905403

XXXX

XXXX

XXXX

Closed

2024-10-30 22:12

2024-11-11 19:10

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2717621

N/A

N/A

XXXX

20250905403

XXXX

XXXX

XXXX

Closed

2024-10-28 00:12

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691056

Investor Post-Close

No

XXXX

20250905403

XXXX

XXXX

XXXX

Closed

2024-10-28 01:12

2024-10-28 01:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691069

Investor Post-Close

No

XXXX

20250905500

XXXX

XXXX

XXXX

Closed

2024-10-28 06:08

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691408

Investor Post-Close

No

XXXX

20250905500

XXXX

XXXX

XXXX

Closed

2024-10-28 06:26

2024-10-28 06:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691461

Investor Post-Close

No

XXXX

20250905482

XXXX

XXXX

XXXX

Closed

2024-10-28 10:43

2024-11-11 19:15

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Open- - Due Diligence Vendor-10/30/2024 Escalated-Subject property is in recent disaster area and there is no post incident inspection   - Due Diligence Vendor-10/29/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2692201

N/A

N/A

XXXX

20250905482

XXXX

XXXX

XXXX

Closed

2024-10-28 09:34

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691935

Investor Post-Close

No

XXXX

20250905384

XXXX

XXXX

XXXX

Closed

2024-10-28 07:38

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691612

Investor Post-Close

No

XXXX

20250905451

XXXX

XXXX

XXXX

Closed

2024-10-29 01:50

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2699294

Investor Post-Close

No

XXXX

20250905451

XXXX

XXXX

XXXX

Closed

2024-10-29 02:16

2024-10-29 02:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2699306

Investor Post-Close

No

XXXX

20250905362

XXXX

XXXX

XXXX

Closed

2024-10-26 02:30

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687750

Investor Post-Close

No

XXXX

20250905362

XXXX

XXXX

XXXX

Closed

2024-10-26 16:59

2024-10-26 16:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689182

Investor Post-Close

No

XXXX

20250905274

XXXX

XXXX

XXXX

Closed

2024-10-23 15:15

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2665181

Investor Post-Close

No

XXXX

20250905274

XXXX

XXXX

XXXX

Closed

2024-10-24 18:46

2024-10-25 12:17

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2676071

Investor Post-Close

No

XXXX

20250905278

XXXX

XXXX

XXXX

Closed

2024-10-28 14:48

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2694317

Investor Post-Close

No

XXXX

20250905278

XXXX

XXXX

XXXX

Closed

2024-10-28 15:20

2024-10-30 12:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2694675

Investor Post-Close

No

XXXX

20250905342

XXXX

XXXX

XXXX

Closed

2024-10-28 18:09

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2696800

Investor Post-Close

No

XXXX

20250905342

XXXX

XXXX

XXXX

Closed

2024-10-28 18:58

2024-10-28 18:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2697415

Investor Post-Close

No

XXXX

20250905212

XXXX

XXXX

XXXX

Closed

2024-10-29 13:21

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2701495

Investor Post-Close

No

XXXX

20250905212

XXXX

XXXX

XXXX

Closed

2024-10-29 14:03

2024-10-29 14:03

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2702007

Investor Post-Close

No

XXXX

20250905127

XXXX

XXXX

XXXX

Closed

2024-10-30 10:08

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709696

Investor Post-Close

No

XXXX

20250905127

XXXX

XXXX

XXXX

Closed

2024-10-30 10:30

2024-10-30 10:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2709774

Investor Post-Close

No

XXXX

20250905363

XXXX

XXXX

XXXX

Closed

2024-10-28 19:37

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2697750

Investor Post-Close

No

XXXX

20250905363

XXXX

XXXX

XXXX

Closed

2024-10-28 21:31

2024-10-28 21:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2698704

Investor Post-Close

No

XXXX

20250905492

XXXX

XXXX

XXXX

Closed

2024-10-28 10:00

2024-11-14 16:27

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present.  Finding resolved. - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. uploaded signed final 1003 - Seller-11/13/2024 Counter-Lender says the 1003 was uploaded it but it was not.  Please uploaded the final 1003.  Condition remains.   - Due Diligence Vendor-11/11/2024 Ready for Review-uploaded 1003 - Seller-11/08/2024 Open-The Final 1003 is Missing - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. uploaded signed final 1003 - Seller-11/13/2024  Ready for Review-uploaded 1003 - Seller-11/08/2024

Resolved-The Final 1003 is Present.  Finding resolved. - Due Diligence Vendor-11/14/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692022

N/A

N/A

XXXX

20250905492

XXXX

XXXX

XXXX

Closed

2024-10-28 10:51

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692246

Investor Post-Close

No

XXXX

20250905492

XXXX

XXXX

XXXX

Closed

2024-10-28 11:32

2024-10-28 11:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692444

Investor Post-Close

No

XXXX

20250905327

XXXX

XXXX

XXXX

Closed

2024-10-24 11:12

2024-10-30 17:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/24/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671302

Investor Post-Close

No

XXXX

20250905327

XXXX

XXXX

XXXX

Closed

2024-10-24 11:36

2024-10-24 11:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2671445

Investor Post-Close

No

XXXX

20250905527

XXXX

XXXX

XXXX

Closed

2024-10-28 10:07

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692055

Investor Post-Close

No

XXXX

20250905527

XXXX

XXXX

XXXX

Closed

2024-10-28 10:59

2024-10-28 10:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2692289

Investor Post-Close

No

XXXX

20250905249

XXXX

XXXX

XXXX

Closed

2024-10-29 08:50

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/29/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2700034

Investor Post-Close

No

XXXX

20250905249

XXXX

XXXX

XXXX

Closed

2024-10-29 08:44

2024-10-29 08:44

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2700021

Investor Post-Close

No

XXXX

20250905465

XXXX

XXXX

XXXX

Closed

2024-10-27 07:41

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2689953

Investor Post-Close

No

XXXX

20250905465

XXXX

XXXX

XXXX

Closed

2024-10-27 08:46

2024-10-30 13:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690040

Investor Post-Close

No

XXXX

20250905476

XXXX

XXXX

XXXX

Closed

2024-10-26 10:55

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing  This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688434

Investor Post-Close

No

XXXX

20250905476

XXXX

XXXX

XXXX

Closed

2024-10-26 11:35

2024-10-26 11:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688519

Investor Post-Close

No

XXXX

20250905272

XXXX

XXXX

XXXX

Closed

2024-10-30 15:14

2024-11-14 17:27

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date

Resolved- - Due Diligence Vendor-11/14/2024 Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. uploaded disclosure tracking and LE - Seller-11/13/2024 Open-The Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after (XX/XX/XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) The file contains a Closing Disclosure and a Loan Estimate, both dated XX/XX/XXXX. A Loan Estimate cannot be issued the same day as a Closing Disclosure. No Cure."  - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. uploaded disclosure tracking and LE - Seller-11/13/2024

Resolved-  - Due Diligence Vendor-11/14/2024  Resolved-The lender provided sufficient evidence, via Disclosure Tracking Summary and Details, to confirm that the earliest Closing Disclosure (CD) was sent to the title company for fee verification only and NOT disclosed to -or- sent to the borrower. The proceeding CD was, in fact, the initial CD and not the revised CD. Compliance testing was re-run and met timing requirements. Condition cleared.  - Due Diligence Vendor-11/14/2024

package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2712751

N/A

N/A

XXXX

20250905272

XXXX

XXXX

XXXX

Closed

2024-10-28 14:54

2024-11-14 16:59

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.  Resolved. - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. Uploaded policy in effect at time of loan closing - Seller-11/13/2024 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-10/28/2024

Ready for Review-Document Uploaded. Uploaded policy in effect at time of loan closing - Seller-11/13/2024

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.  Resolved. - Due Diligence Vendor-11/14/2024

XXXXXXXXXX_EDI_insurance XX/XX/XXXX to XX/XX/XXXX coverage $XXX,XXX.XX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2694403

N/A

N/A

XXXX

20250905272

XXXX

XXXX

XXXX

Closed

2024-10-28 14:13

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2693814

Investor Post-Close

No

XXXX

20250905252

XXXX

XXXX

XXXX

Closed

2024-10-28 07:05

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691549

Investor Post-Close

No

XXXX

20250905252

XXXX

XXXX

XXXX

Closed

2024-10-28 07:45

2024-10-28 07:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691641

Investor Post-Close

No

XXXX

20250905204

XXXX

XXXX

XXXX

Closed

2024-10-28 18:10

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696812

Investor Post-Close

No

XXXX

20250905204

XXXX

XXXX

XXXX

Closed

2024-10-28 18:26

2024-10-31 10:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged- - Due Diligence Vendor-10/31/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-  - Due Diligence Vendor-10/31/2024

XX

Primary Residence

Refinance

Cash Out - Other

2697009

Investor Post-Close

No

XXXX

20250905304

XXXX

XXXX

XXXX

Closed

2024-10-28 14:48

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2694305

Investor Post-Close

No

XXXX

20250905336

XXXX

XXXX

XXXX

Closed

2024-10-25 13:34

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681244

Investor Post-Close

No

XXXX

20250905336

XXXX

XXXX

XXXX

Closed

2024-10-25 14:30

2024-10-25 14:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2681937

Investor Post-Close

No

XXXX

20250905200

XXXX

XXXX

XXXX

Closed

2024-10-28 08:49

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691835

Investor Post-Close

No

XXXX

20250905200

XXXX

XXXX

XXXX

Closed

2024-10-28 09:16

2024-10-28 09:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691896

Investor Post-Close

No

XXXX

20250905233

XXXX

XXXX

XXXX

Closed

2024-10-28 15:00

2024-11-05 17:40

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2694479

N/A

N/A

XXXX

20250905233

XXXX

XXXX

XXXX

Closed

2024-10-28 15:11

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2694602

Investor Post-Close

No

XXXX

20250905381

XXXX

XXXX

XXXX

Closed

2024-10-28 06:37

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691476

Investor Post-Close

No

XXXX

20250905381

XXXX

XXXX

XXXX

Closed

2024-10-28 07:13

2024-10-28 20:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691565

Investor Post-Close

No

XXXX

20250905124

XXXX

XXXX

XXXX

Closed

2024-10-28 09:54

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2691990

Investor Post-Close

No

XXXX

20250905124

XXXX

XXXX

XXXX

Closed

2024-10-28 17:34

2024-10-28 18:49

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. Secondary valuation XXXXXXXX Confidence score 78 and FSD 11 does not meet guideline requirements. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. Secondary valuation XXXXXXXX Confidence score 78 and FSD 11 does not meet guideline requirements. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2696385

Originator Post-Close

No

XXXX

20250905294

XXXX

XXXX

XXXX

Closed

2024-10-23 19:49

2024-11-04 20:51

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668446

Investor Post-Close

No

XXXX

20250905294

XXXX

XXXX

XXXX

Closed

2024-10-23 20:21

2024-10-23 20:21

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668780

Investor Post-Close

No

XXXX

20250905467

XXXX

XXXX

XXXX

Closed

2024-10-30 04:41

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies  - Due Diligence Vendor-10/30/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2708739

Investor Post-Close

No

XXXX

20250905467

XXXX

XXXX

XXXX

Closed

2024-10-30 05:13

2024-10-30 05:13

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2708805

Investor Post-Close

No

XXXX

20250905182

XXXX

XXXX

XXXX

Closed

2024-10-28 10:04

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692038

Investor Post-Close

No

XXXX

20250905182

XXXX

XXXX

XXXX

Closed

2024-10-28 10:46

2024-10-28 10:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2692219

Investor Post-Close

No

XXXX

20250905229

XXXX

XXXX

XXXX

Closed

2024-10-23 18:44

2024-11-04 20:51

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2667740

Investor Post-Close

No

XXXX

20250905229

XXXX

XXXX

XXXX

Closed

2024-10-23 19:30

2024-10-29 01:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2668260

Investor Post-Close

No

XXXX

20250905450

XXXX

XXXX

XXXX

Closed

2024-10-26 00:14

2024-11-05 17:48

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/26/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2687630

N/A

N/A

XXXX

20250905450

XXXX

XXXX

XXXX

Closed

2024-10-25 23:56

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687596

Investor Post-Close

No

XXXX

20250905450

XXXX

XXXX

XXXX

Closed

2024-10-26 00:32

2024-10-26 00:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2687663

Investor Post-Close

No

XXXX

20250905431

XXXX

XXXX

XXXX

Closed

2024-10-23 14:45

2024-11-11 17:00

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024 Escalated- - Due Diligence Vendor-10/30/2024 Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/23/2024

Ready for Review-This will be addressed by XX, please escalate - Seller-10/28/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/11/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/11/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2664409

N/A

N/A

XXXX

20250905431

XXXX

XXXX

XXXX

Closed

2024-10-23 14:15

2024-11-04 20:40

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies   - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2664060

Investor Post-Close

No

XXXX

20250905431

XXXX

XXXX

XXXX

Closed

2024-10-23 15:35

2024-10-23 15:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2665432

Investor Post-Close

No

XXXX

20250905445

XXXX

XXXX

XXXX

Closed

2024-10-28 13:45

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693481

Investor Post-Close

No

XXXX

20250905445

XXXX

XXXX

XXXX

Closed

2024-10-28 14:09

2024-10-28 14:09

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693766

Investor Post-Close

No

XXXX

20250905094

XXXX

XXXX

XXXX

Closed

2024-10-30 19:59

2024-11-05 17:46

Resolved

1 - Information

Property

Property

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

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/30/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-11/05/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/05/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2716572

N/A

N/A

XXXX

20250905094

XXXX

XXXX

XXXX

Closed

2024-10-27 09:19

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690080

Investor Post-Close

No

XXXX

20250905094

XXXX

XXXX

XXXX

Closed

2024-10-29 12:36

2024-10-29 12:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

2701019

Investor Post-Close

No

XXXX

20250905112

XXXX

XXXX

XXXX

Closed

2024-10-27 22:53

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691034

Investor Post-Close

No

XXXX

20250905112

XXXX

XXXX

XXXX

Closed

2024-10-27 23:24

2024-10-27 23:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2691043

Investor Post-Close

No

XXXX

20250905326

XXXX

XXXX

XXXX

Closed

2024-10-23 18:40

2024-11-04 20:51

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/23/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2667686

Investor Post-Close

No

XXXX

20250905326

XXXX

XXXX

XXXX

Closed

2024-10-23 19:41

2024-10-23 19:41

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2668360

Investor Post-Close

No

XXXX

20250905376

XXXX

XXXX

XXXX

Closed

2024-10-27 16:24

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2690760

Investor Post-Close

No

XXXX

20250905510

XXXX

XXXX

XXXX

Closed

2024-10-28 13:45

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2693501

Investor Post-Close

No

XXXX

20250905510

XXXX

XXXX

XXXX

Closed

2024-10-28 14:32

2024-10-28 14:32

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/28/2024

XX

Primary Residence

Refinance

Cash Out - Other

2694135

Investor Post-Close

No

XXXX

20250905135

XXXX

XXXX

XXXX

Closed

2024-10-27 20:40

2024-11-04 20:58

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/27/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690972

Investor Post-Close

No

XXXX

20250905135

XXXX

XXXX

XXXX

Closed

2024-10-27 21:15

2024-10-27 21:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

2690990

Investor Post-Close

No

XXXX

20250905248

XXXX

XXXX

XXXX

Closed

2024-10-26 13:20

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

2688710

Investor Post-Close

No

XXXX

20250905248

XXXX

XXXX

XXXX

Closed

2024-10-30 19:22

2024-10-30 19:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

2716145

Originator Post-Close

No

XXXX

20250905276

XXXX

XXXX

XXXX

Closed

2024-10-25 19:35

2024-11-07 17:39

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2024

Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686059

Investor Post-Close

No

XXXX

20250905276

XXXX

XXXX

XXXX

Closed

2024-10-25 20:00

2024-10-25 20:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2686298

Investor Post-Close

No

XXXX

20250905436

XXXX

XXXX

XXXX

Closed

2024-10-26 14:56

2024-11-04 20:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/26/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688897

Investor Post-Close

No

XXXX

20250905436

XXXX

XXXX

XXXX

Closed

2024-10-26 15:18

2024-10-28 15:46

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/26/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2688955

Investor Post-Close

No

XXXX

20250905013

XXXX

XXXX

XXXX

Closed

2023-12-06 19:27

2024-01-11 16:49

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/11/2024 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/27/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/06/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/11/2024  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/27/2023

XX

Primary Residence

Refinance

Cash Out - Other

1295036

N/A

N/A

XXXX

20250905013

XXXX

XXXX

XXXX

Closed

2023-12-06 19:28

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Borrower 1 IRS Transcripts for prior 2 years are missing. - Due Diligence Vendor-12/06/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1295038

Investor Post-Close

No

XXXX

20250905013

XXXX

XXXX

XXXX

Closed

2023-12-27 20:16

2023-12-29 22:00

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E Consent, dated XX/XX/XXXX, provided.  Condition Resolved. - Due Diligence Vendor-12/29/2023 Ready for Review-Document Uploaded. See attached - Buyer-12/29/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/27/2023

Resolved-E Consent, dated 8/23/2023, provided.  Condition Resolved. - Due Diligence Vendor-12/29/2023

XXXXXXXXXX - Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1338533

N/A

N/A

XXXX

20250905013

XXXX

XXXX

XXXX

Closed

2023-12-01 13:03

2023-12-27 20:18

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Executed Initial Closing disclosure provided. - Due Diligence Vendor-12/27/2023 Resolved- - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Initial CD dated XX/XX/XXXX was esigned by Borrower on XX/XX/XXXX hence earliest closing date can be XX/XX/XXXX. Signed Initial CD is attached for your reference. - Buyer-12/19/2023 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (Other). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-12/01/2023

Resolved-Executed Initial Closing disclosure provided. - Due Diligence Vendor-12/27/2023  Resolved- - Due Diligence Vendor-12/27/2023

XXXXXXXXXX - Signed Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1286168

N/A

N/A

XXXX

20250905013

XXXX

XXXX

XXXX

Closed

2023-12-06 19:26

2023-12-27 20:11

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Please find attached supporting document - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/06/2023

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023

XXXXXXXXXX - LQI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1295030

N/A

N/A

XXXX

20250905009

XXXX

XXXX

XXXX

Closed

2023-12-05 21:43

2024-01-15 19:56

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2024 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2024 Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/26/2023 Ready for Review-Document Uploaded. Please see the attached supporting doc. - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing Missing undisclosed liability report (credit refresh) as required by guidelines. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2024  Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2024  Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/26/2023

XXXXXXXXXXpdf

XX

Primary Residence

Refinance

Cash Out - Other

1292778

N/A

N/A

XXXX

20250905009

XXXX

XXXX

XXXX

Closed

2023-12-26 15:34

2024-01-15 19:56

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Credit Report is Missing

Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/15/2024 Resolved-Updated signed note received. Credit not required on non-borrower.  - Due Diligence Vendor-01/08/2024 Ready for Review-Document Uploaded. PFA corrected Note - Buyer-01/08/2024 Counter-Finding remains valid until Note is corrected removing non-borrowing spouse from the Note.  - Due Diligence Vendor-01/03/2024 Ready for Review-There is no borrower 2 on the loan. Credit report for borrower 1 is available. - Buyer-01/02/2024 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-12/26/2023

Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/15/2024  Resolved-Updated signed note received. Credit not required on non-borrower.  - Due Diligence Vendor-01/08/2024

Headley.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1334571

N/A

N/A

XXXX

20250905009

XXXX

XXXX

XXXX

Closed

2023-12-26 15:34

2024-01-15 19:56

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2024 Resolved-Updated signed note received.  - Due Diligence Vendor-01/08/2024 Ready for Review-Document Uploaded. PFA corrected NOTE - Buyer-01/08/2024 Counter-Finding remains valid until Note is corrected removing non-borrowing spouse from the Note.  - Due Diligence Vendor-01/03/2024 Ready for Review-There is no borrower 2. GAP report for borrower 1 is available. - Buyer-01/02/2024 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/26/2023

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2024  Resolved-Updated signed note received.  - Due Diligence Vendor-01/08/2024

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1334572

N/A

N/A

XXXX

20250905009

XXXX

XXXX

XXXX

Closed

2023-12-05 21:10

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Missing IRS transcripts for the most recent two years as required by guidelines. - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292682

Investor Post-Close

No

XXXX

20250905009

XXXX

XXXX

XXXX

Closed

2023-12-05 22:07

2024-01-08 19:03

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Credit review not required on non-borrower.  - Due Diligence Vendor-01/08/2024 Ready for Review-Document Uploaded. PFA corrected note - Buyer-01/08/2024 Counter-Finding remains valid until Note is corrected removing non-borrowing spouse from the Note.  This is due to missing credit package and gap report for Spouse who signed the Note.  - Due Diligence Vendor-01/03/2024 Ready for Review-Document Uploaded. PFA LQI dated XX/XX/XXXX & Loan closed on XX/XX/XXXX. LQI within 10 Business days of closing. - Buyer-01/02/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing undisclosed liability report (credit refresh). - Due Diligence Vendor-12/05/2023

Resolved-Credit review not required on non-borrower.  - Due Diligence Vendor-01/08/2024

LQI.pdf XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292857

N/A

N/A

XXXX

20250905009

XXXX

XXXX

XXXX

Closed

2023-12-04 21:04

2024-01-08 19:03

Resolved

1 - Information

Credit

Missing Doc

Missing Credit Package for Review

Resolved-Updated signed note received. Credit not required on non borrower.  - Due Diligence Vendor-01/08/2024 Ready for Review-Document Uploaded. PFA corrected Note - Buyer-01/08/2024 Counter-Document provided for review is the Credit Report for Borrower 1; the missing credit package is for the secondary signer of the Note. If the intent to was for the vested owner to be an obligated borrower, then all credit documentation must be provided. If the note was signed in error, a modification must be provided removing the vested owner from the Note. Additional conditions may apply. - Due Diligence Vendor-12/26/2023 Ready for Review-Document Uploaded.  - Buyer-12/18/2023 Open-Missing credit package for review .  The title vested owner signed the note. If the intent to was for the vested owner to be an obligated borrower, then all credit documentation must be provided. If the note was signed in error, a modification must be provided removing the vested owner from the Note. Additional conditions may apply. - Due Diligence Vendor-12/04/2023

Resolved-Updated signed note received. Credit not required on non borrower.  - Due Diligence Vendor-01/08/2024

Credit Report.pdf XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1290165

N/A

N/A

XXXX

20250905009

XXXX

XXXX

XXXX

Closed

2023-12-05 13:02

2023-12-26 15:25

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

Resolved-Evidence of E-Consent for both borrowers provided. - Due Diligence Vendor-12/26/2023 Ready for Review-Document Uploaded. Hii, Please see the attached - Buyer-12/18/2023 Open-E-Consent documentation on Pre-TRID loan is missing for borrower(s) - Due Diligence Vendor-12/05/2023

Resolved-Evidence of E-Consent for both borrowers provided. - Due Diligence Vendor-12/26/2023

XXXXXXXXXXE-Consent documentation.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1290901

N/A

N/A

XXXX

20250905024

XXXX

XXXX

XXXX

Closed

2023-12-05 21:47

2024-01-23 15:53

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/23/2024 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/23/2024 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/27/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/05/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/23/2024  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/23/2024  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/27/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292795

N/A

N/A

XXXX

20250905024

XXXX

XXXX

XXXX

Closed

2023-12-05 21:38

2024-01-23 15:52

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/23/2024 Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/05/2023

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/23/2024  Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023

XXXXXXXXXX Borrower 2 Gap Credit Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292765

N/A

N/A

XXXX

20250905024

XXXX

XXXX

XXXX

Closed

2023-12-05 21:38

2024-01-23 15:52

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/23/2024 Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Please find attached supporting document - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/23/2024  Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023

XXXXXXXXXX - LQI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292764

N/A

N/A

XXXX

20250905024

XXXX

XXXX

XXXX

Closed

2024-01-15 18:22

2024-01-17 19:28

Waived

2 - Non-Material

Property

Appraisal

Missing Secondary Valuation

Waived-Exception provided to waive secondary valuation. - Due Diligence Vendor-01/17/2024 Waived-Document Uploaded.  - Due Diligence Vendor-01/17/2024 Waived-Exception provided to waive secondary valuation. - Due Diligence Vendor-01/16/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. Supporting AVMs are 19% below appraised value, a CDA is required, per guidelines.  - Due Diligence Vendor-01/15/2024

Waived-Exception provided to waive secondary valuation. - Due Diligence Vendor-01/17/2024  Waived-Document Uploaded.  - Due Diligence Vendor-01/17/2024  Waived-Exception provided to waive secondary valuation. - Due Diligence Vendor-01/16/2024

XXXXXXXXXX XXXX Exception form.pdf

Residual income of $XX or more Long term employment (over 5 years)

XX

Primary Residence

Refinance

Cash Out - Other

1371975

Investor Post-Close

No

XXXX

20250905024

XXXX

XXXX

XXXX

Closed

2024-01-16 16:34

2024-01-16 16:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-01/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-01/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

1373516

Investor Post-Close

No

XXXX

20250905024

XXXX

XXXX

XXXX

Closed

2023-12-05 21:16

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Borrower 1 IRS Transcripts for prior 2 years is missing. - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292702

Investor Post-Close

No

XXXX

20250905024

XXXX

XXXX

XXXX

Closed

2023-12-05 21:16

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Borrower 2 IRS Transcripts for prior 2 years is missing. - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292704

Investor Post-Close

No

XXXX

20250905024

XXXX

XXXX

XXXX

Closed

2023-12-05 10:59

2023-12-27 21:09

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Evidence of E-Consent for both borrowers provided. - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Please see the attached document. - Buyer-12/19/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-12/05/2023

Resolved-Evidence of E-Consent for both borrowers provided. - Due Diligence Vendor-12/27/2023

XXXXXXXXXX - E-Consent documentation.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1290794

N/A

N/A

XXXX

20250905004

XXXX

XXXX

XXXX

Closed

2023-12-05 18:18

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Missing most recent 2 years tax transcripts as required by guidelines. - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292035

Investor Post-Close

No

XXXX

20250905004

XXXX

XXXX

XXXX

Closed

2023-12-05 18:19

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Missing most recent 2 years tax transcripts as required by guidelines. - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292043

Investor Post-Close

No

XXXX

20250905004

XXXX

XXXX

XXXX

Closed

2023-12-05 19:18

2023-12-28 20:47

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing undisclosed liability report (credit refresh) as required by guidelines. - Due Diligence Vendor-12/05/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292296

N/A

N/A

XXXX

20250905004

XXXX

XXXX

XXXX

Closed

2023-12-01 15:35

2023-12-28 20:45

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E consent provided. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see the attached document. - Buyer-12/19/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/01/2023

Resolved-E consent provided. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX - E-Consent documentation.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1286569

N/A

N/A

XXXX

20250905004

XXXX

XXXX

XXXX

Closed

2023-12-05 18:48

2023-12-28 20:43

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing Missing undisclosed liability report as required by guidelines. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX Borrower 1 Gap Credit Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292176

N/A

N/A

XXXX

20250905004

XXXX

XXXX

XXXX

Closed

2023-12-05 18:48

2023-12-28 20:43

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached supporting document. - Buyer-12/18/2023 Open-Borrower 2 Gap Credit Report is Missing Missing undisclosed liability report as required by guidelines. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX-B2-Gap-Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292177

N/A

N/A

XXXX

20250905012

XXXX

XXXX

XXXX

Closed

2023-12-07 16:30

2024-01-17 13:12

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/20/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/07/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/20/2023

XX

Primary Residence

Refinance

Cash Out - Other

1297740

N/A

N/A

XXXX

20250905012

XXXX

XXXX

XXXX

Closed

2023-12-07 10:36

2024-01-17 13:10

Resolved

1 - Information

Credit

Missing Doc

Missing Initial Loan Application

Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/17/2024 Resolved-The Initial 1003 is provided, - Due Diligence Vendor-12/20/2023 Ready for Review-Document Uploaded. Hi, Please see the attached - Buyer-12/18/2023 Open-The Initial 1003 is Missing - Due Diligence Vendor-12/07/2023

Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/17/2024  Resolved-The Initial 1003 is provided, - Due Diligence Vendor-12/20/2023

XXXXXXXXXX Initial Loan Application.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1296628

N/A

N/A

XXXX

20250905012

XXXX

XXXX

XXXX

Closed

2023-12-07 12:33

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-12/07/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1296815

Investor Post-Close

No

XXXX

20250905012

XXXX

XXXX

XXXX

Closed

2023-12-07 12:34

2023-12-20 18:04

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Evidence of E-Consent for both borrowers provided.  - Due Diligence Vendor-12/20/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/07/2023

Resolved-Evidence of E-Consent for both borrowers provided.  - Due Diligence Vendor-12/20/2023

E CONSENT XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1296816

N/A

N/A

XXXX

20250905012

XXXX

XXXX

XXXX

Closed

2023-12-07 16:12

2023-12-20 17:49

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/20/2023 Ready for Review-Document Uploaded. Please find attached docs  - Buyer-12/19/2023 Open-Borrower 1 Gap Credit Report is Missing The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/07/2023

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/20/2023

LQI_XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1297594

N/A

N/A

XXXX

20250905020

XXXX

XXXX

XXXX

Closed

2023-12-07 17:49

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/07/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1298113

Investor Post-Close

No

XXXX

20250905020

XXXX

XXXX

XXXX

Closed

2023-12-07 17:48

2023-12-28 19:01

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Evidence of E-Consent for both borrowers provided. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see the attached document. - Buyer-12/19/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/07/2023

Resolved-Evidence of E-Consent for both borrowers provided. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX- E-Consent documentation.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1298110

N/A

N/A

XXXX

20250905020

XXXX

XXXX

XXXX

Closed

2023-12-08 15:48

2023-12-28 18:57

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/08/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023

XX

Primary Residence

Refinance

Cash Out - Other

1300606

N/A

N/A

XXXX

20250905020

XXXX

XXXX

XXXX

Closed

2023-12-08 15:41

2023-12-28 18:55

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/08/2023

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX Borrower 1 Gap Credit Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1300589

N/A

N/A

XXXX

20250905020

XXXX

XXXX

XXXX

Closed

2023-12-07 15:19

2023-12-28 18:45

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Fraud report uploaded - Buyer-12/20/2023 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-12/08/2023

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/28/2023

Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1297376

N/A

N/A

XXXX

20250905020

XXXX

XXXX

XXXX

Closed

2023-12-07 15:19

2023-12-28 18:45

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. PFA Fraud report with OFAC report on page 11 - Buyer-12/24/2023 Open-OFAC Check Not Completed and/or Cleared OFAC Check Not Completed  - Due Diligence Vendor-12/08/2023

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/28/2023

Fraud report with OFAC report on page 11.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1297377

N/A

N/A

XXXX

20250905016

XXXX

XXXX

XXXX

Closed

2023-12-05 21:05

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292669

Investor Post-Close

No

XXXX

20250905016

XXXX

XXXX

XXXX

Closed

2023-12-05 20:44

2023-12-29 14:40

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved- - Due Diligence Vendor-12/29/2023 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/29/2023 Ready for Review-Document Uploaded. Please find attached docs  - Buyer-12/19/2023 Open-Borrower 1 Gap Credit Report is Missing Missing Undisclosed Liability Report. - Due Diligence Vendor-12/05/2023

Resolved-  - Due Diligence Vendor-12/29/2023  Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/29/2023

LQI_XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292614

N/A

N/A

XXXX

20250905001

XXXX

XXXX

XXXX

Closed

2023-11-30 19:47

2024-01-17 16:19

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/17/2024 Resolved-Flood policy is present.  - Due Diligence Vendor-01/02/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Flood insurance Policy is missing. - Due Diligence Vendor-11/30/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/17/2024  Resolved-Flood policy is present.  - Due Diligence Vendor-01/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

1284803

N/A

N/A

XXXX

20250905001

XXXX

XXXX

XXXX

Closed

2023-12-05 18:25

2024-01-17 16:19

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/17/2024 Resolved-Credit Refresh (LQI) received. Condition resolved. - Due Diligence Vendor-01/10/2024 Resolved- - Due Diligence Vendor-12/28/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing undisclosed liability report as required by guidelines. - Due Diligence Vendor-12/05/2023

Credit Refresh (LQI) received.  Condition resolved. - 12/28/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/17/2024  Resolved-Credit Refresh (LQI) received. Condition resolved. - Due Diligence Vendor-01/10/2024

XX

Primary Residence

Refinance

Cash Out - Other

1292062

N/A

N/A

XXXX

20250905001

XXXX

XXXX

XXXX

Closed

2023-12-05 16:28

2023-12-28 19:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find attached LQI report. - Buyer-12/19/2023 Open-Borrower 1 Gap Credit Report is Missing Loan file is missing an undisclosed liability report as required by guidelines. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX_LQI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1291477

N/A

N/A

XXXX

20250905001

XXXX

XXXX

XXXX

Closed

2023-12-05 16:28

2023-12-28 19:36

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached supporting document. - Buyer-12/18/2023 Open-Borrower 2 Gap Credit Report is Missing The loan file is missing the undisclosed liability report as required by guidelines. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX-B2-GAP-Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1291478

N/A

N/A

XXXX

20250905001

XXXX

XXXX

XXXX

Closed

2023-11-30 19:36

2023-12-28 19:29

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Flood Insurance - Buyer-12/18/2023 Open-Missing Flood Insurance Policy - Due Diligence Vendor-11/30/2023

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/28/2023

Flood Insurance.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1284754

N/A

N/A

XXXX

20250905015

XXXX

XXXX

XXXX

Closed

2023-12-05 13:32

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-The Lender guidelines require that form 4506 must be processed and tax transcripts obtained to validate the borrowers’ personal tax returns and/or W2’s for the most recent two years if applicable. Despite this requirement, no tax transcripts were provided in the loan file. - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1290924

Investor Post-Close

No

XXXX

20250905015

XXXX

XXXX

XXXX

Closed

2023-12-01 15:41

2023-12-28 14:24

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E consent provided. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find attached docs  - Buyer-12/19/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/01/2023

Resolved-E consent provided. - Due Diligence Vendor-12/28/2023

E-Consent_XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1286585

N/A

N/A

XXXX

20250905015

XXXX

XXXX

XXXX

Closed

2023-12-05 15:29

2023-12-28 14:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see the attached supporting doc. - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing The lender guidelines require a Credit Refresh report to identify any new credit debts beyond 10 days from the date of the application and prior to the note date. Despite this requirement, no Credit Refresh report was provided. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1291235

N/A

N/A

XXXX

20250905015

XXXX

XXXX

XXXX

Closed

2023-12-05 15:29

2023-12-28 14:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find the attached. - Buyer-12/18/2023 Open-Borrower 2 Gap Credit Report is Missing The lender guidelines require a Credit Refresh report to identify any new credit debts beyond 10 days from the date of the application and prior to the note date. Despite this requirement, no Credit Refresh report was provided. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX_XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1291236

N/A

N/A

XXXX

20250905018

XXXX

XXXX

XXXX

Closed

2023-12-06 16:31

2024-01-16 20:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/16/2024 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2024 Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/22/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing The loan file is missing the undisclosed liability report. - Due Diligence Vendor-12/06/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/16/2024  Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2024  Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/22/2023

XXXXXXXXXX Borrower 1 Gap Credit Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1294344

N/A

N/A

XXXX

20250905018

XXXX

XXXX

XXXX

Closed

2023-12-05 18:23

2024-01-12 15:54

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/22/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing Undisclosed Debt report as required by Lender Guidelines. - Due Diligence Vendor-12/05/2023

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/22/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292059

N/A

N/A

XXXX

20250905018

XXXX

XXXX

XXXX

Closed

2023-12-05 17:58

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-The lender guidelines require the 4506T documents to be processed. No transcripts or explanation was provided. - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1291962

Investor Post-Close

No

XXXX

20250905018

XXXX

XXXX

XXXX

Closed

2023-12-05 15:49

2023-12-22 14:33

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Executed Initial Closing Disclosure provided. - Due Diligence Vendor-12/22/2023 Ready for Review-Document Uploaded. "Initial CD dated XX/XX/XXXX was esigned by Borrower on XX/XX/XXXX hence earliest closing date can be XX/XX/XXXX. Signed Initial CD is attached for your reference." - Buyer-12/20/2023 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-12/05/2023

Resolved-Executed Initial Closing Disclosure provided. - Due Diligence Vendor-12/22/2023

XXXXXXXXXX - Signed Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1291319

N/A

N/A

XXXX

20250905019

XXXX

XXXX

XXXX

Closed

2023-12-05 17:54

2024-01-19 20:38

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/20/2023 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/20/2023 Open- - Due Diligence Vendor-12/20/2023 Ready for Review-Document Uploaded. Please find attached LQI report. - Buyer-12/19/2023 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/05/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/20/2023  Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/20/2023

XXXXXXXXXX_LQI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1291949

N/A

N/A

XXXX

20250905019

XXXX

XXXX

XXXX

Closed

2023-12-05 18:22

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292055

Investor Post-Close

No

XXXX

20250905019

XXXX

XXXX

XXXX

Closed

2023-12-01 16:23

2024-01-02 14:50

Resolved

1 - Information

Property

Property

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

Resolved- - Due Diligence Vendor-01/02/2024 Resolved-Post incident inspection provided - Due Diligence Vendor-01/02/2024 Ready for Review-Document Uploaded. Disaster Inspection report uploaded, no damage to the property noted. - Buyer-01/02/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-12/01/2023

Resolved-  - Due Diligence Vendor-01/02/2024  Resolved-Post incident inspection provided - Due Diligence Vendor-01/02/2024

Independence Warranty.pdf Invoice.pdf Disaster Inspection Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1286726

N/A

N/A

XXXX

20250905019

XXXX

XXXX

XXXX

Closed

2023-12-05 18:17

2024-01-02 14:43

Resolved

1 - Information

Compliance

State Reg

South Carolina (SC) Attorney and Insurance Preference Disclosure not provided within 3 days of application

Resolved-Documentation received. - Due Diligence Vendor-01/02/2024 Ready for Review-XXXXX XXXXXXXXX Attorney and Insurance Preference Disclosure is part of Initial Disclosure package which was sent to borrower on XX/XX/XXXX which is within 3 BD of application. We have provided our Disclosure tracking timeline history which reflects borrower has acknowledged/received our initial disclosure. If you don't agree please escalate.  - Buyer-12/29/2023 Counter-Documents provided for review are not completed or executed by the borrower. condition remains. - Due Diligence Vendor-12/29/2023 Ready for Review-Document Uploaded. "XXXXX XXXXXXXX Attorney and Insurance Preference Disclosure was provided within 3 business days of loan application. Please see the attached proof." - Buyer-12/20/2023 Open-South Carolina Attorney and Insurance Preference Disclosure not provided within 3 days of application - Due Diligence Vendor-12/05/2023

Resolved-Documentation received. - Due Diligence Vendor-01/02/2024

XXXXXXXXXX - XX Disclosures.pdf XXXXXXXXXX  - Disclosure Tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292024

N/A

N/A

XXXX

20250905019

XXXX

XXXX

XXXX

Closed

2023-12-05 18:19

2023-12-29 17:36

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Executed Initial Closing Disclosure provided. - Due Diligence Vendor-12/29/2023 Ready for Review-Document Uploaded. Initial CD dated XX/XX/XXXX was esigned by Borrower on XX/XX/XXXX hence earliest closing date can be XX/XX/XXXX. Signed Initial CD is attached for your reference. - Buyer-12/20/2023 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-12/05/2023

Resolved-Executed Initial Closing Disclosure provided. - Due Diligence Vendor-12/29/2023

XXXXXXXXXX - Signed Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292040

N/A

N/A

XXXX

20250905019

XXXX

XXXX

XXXX

Closed

2023-12-05 18:20

2023-12-20 13:45

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Evidence of E-Consent for borrower provided. - Due Diligence Vendor-12/20/2023 Ready for Review-Document Uploaded.  - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/05/2023

Resolved-Evidence of E-Consent for borrower provided. - Due Diligence Vendor-12/20/2023

XXXXXXXXXX - eConsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292047

N/A

N/A

XXXX

20250905019

XXXX

XXXX

XXXX

Closed

2023-12-05 18:17

2023-12-05 18:17

Acknowledged

2 - Non-Material

Compliance

Missing Doc

South Carolina (SC) Mortgage Broker Fee Agreement Disclosure is missing

Acknowledged-South Carolina Mortgage Broker Fee Agreement Disclosure is missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/05/2023

Acknowledged-South Carolina Mortgage Broker Fee Agreement Disclosure is missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/05/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292029

Investor Post-Close

No

XXXX

20250905027

XXXX

XXXX

XXXX

Closed

2023-12-05 19:09

2024-01-09 22:09

Waived

2 - Non-Material

Credit

Missing Doc

Missing Credit Report Supplement

Waived-Exception made pre-close to waive credit refresh requirement.  - Due Diligence Vendor-01/09/2024 Ready for Review-Document Uploaded. PFA Exception form - Buyer-01/09/2024 Resolved-Received a credit report dated less than 10 days beyond application. Guidelines require a credit refresh beyond 10 days from the date of application and prior to the Note date. Condition remains. - Due Diligence Vendor-12/21/2023 Ready for Review-Document Uploaded. LQI - Buyer-12/18/2023 Open-Missing credit refresh required by lender guideline  - Due Diligence Vendor-12/05/2023

Waived-Exception made pre-close to waive credit refresh requirement.  - Due Diligence Vendor-01/09/2024  Resolved-Received a credit report dated less than 10 days beyond application. Guidelines require a credit refresh beyond 10 days from the date of application and prior to the Note date. Condition remains. - Due Diligence Vendor-12/21/2023

LQI.pdf XXXXXXXXXX XXXXXXXXXX Exception Form.pdf

FICO 20 points above requirement Residual income of $XX or more Long term employment (over 5 years)

XX

Primary Residence

Refinance

Cash Out - Other

1292266

Originator Pre-Close

Yes

XXXX

20250905027

XXXX

XXXX

XXXX

Closed

2023-12-05 19:08

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292260

Investor Post-Close

No

XXXX

20250905028

XXXX

XXXX

XXXX

Closed

2023-12-21 21:09

2024-01-15 18:45

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of 48.46% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/15/2024 Resolved-Borrower SSI is eligible to be grossed. DTI is within guidelines. - Due Diligence Vendor-01/09/2024 Ready for Review-Document Uploaded. A) SSA income for borrower Income as per the award letter is $XXXX.XX. Considering 15% grossed up for the SSA income: $XXXX.XX*15/100= $XXX.XX Total SSA income after 15% grossed up is $XXXX.XX+$XXX.XX = $XXXX.XX   B) Liabilities 1) Considered XXXXX/XXX and XXXXXX XXXXX XX payment $XX. $XX being the greatest as per credit report and LQI. 2) XXXXXXXX XXXX # XXXX balance as per LQI is $XXXX considering 5% is $XXX.XX. PITIA is $XXXX.XX, Total debt considering the above payment is ($XXXX.XX+$XXX.XX) =$XXXX.XX Total Income ($XXXX.XX+$XXXX.XX) = $XXXX.XX DTI = $3159.52/$6828.57*100 = 46.29%  - Buyer-01/09/2024    Open-Audited DTI of 50.08% exceeds Guideline DTI of 50% Audited DTI of 50.08% exceeds Guideline DTI of 50%. Credit Gap Summary reflects a new with XXXXX/XXX with a balance of $XXX. no payment is provided, used 5% of the outstanding balance. - Due Diligence Vendor-12/21/2023

Resolved-Audited DTI of 48.46% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/15/2024  Resolved-Borrower SSI is eligible to be grossed. DTI is within guidelines. - Due Diligence Vendor-01/09/2024

SSA income and Liabilites calculation.docx Income and LIabilties calculation.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1329937

N/A

N/A

XXXX

20250905028

XXXX

XXXX

XXXX

Closed

2023-12-05 15:36

2024-01-09 22:46

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/09/2024 Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/21/2023 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/21/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing The loan file is missing the Credit Refresh (LQI) or Equifax Undisclosed Liability Report as required per Guidelines and Lender Approval. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/09/2024  Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/21/2023  Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/21/2023

XXXXXXXXXX Borrower 1 Gap Credit Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1291252

N/A

N/A

XXXX

20250905028

XXXX

XXXX

XXXX

Closed

2023-12-06 15:50

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-The lender guidelines require the 4506T documents to be processed. No transcripts or explanation was provided. - Due Diligence Vendor-12/06/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1294218

Investor Post-Close

No

XXXX

20250905028

XXXX

XXXX

XXXX

Closed

2023-12-05 15:34

2024-01-02 19:21

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-VOM received. - Due Diligence Vendor-01/02/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing Verification of Mortgage. - Due Diligence Vendor-12/05/2023

Resolved-VOM received. - Due Diligence Vendor-01/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

1291249

N/A

N/A

XXXX

20250905028

XXXX

XXXX

XXXX

Closed

2023-12-01 16:58

2023-12-21 21:14

Resolved

1 - Information

Credit

Missing Doc

Missing Verification of Mortgage

Resolved-Morgage History provided. - Due Diligence Vendor-12/21/2023 Ready for Review-Document Uploaded. Verification of Mortgage - Buyer-12/18/2023 Open-Credit Report does not have the required mortgage history of 12 months 0x30 and there is no other verification of mortgage in file.  - Due Diligence Vendor-12/01/2023

Resolved-Morgage History provided. - Due Diligence Vendor-12/21/2023

VOM.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1286803

N/A

N/A

XXXX

20250905006

XXXX

XXXX

XXXX

Closed

2023-12-05 18:25

2024-01-15 19:00

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/15/2024 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/29/2023 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/22/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing Undisclosed Debt report as required by Lender Guidelines. - Due Diligence Vendor-12/05/2023

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/15/2024  Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/29/2023  Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/22/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292063

N/A

N/A

XXXX

20250905006

XXXX

XXXX

XXXX

Closed

2023-12-06 17:04

2024-01-11 23:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/11/2024 Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/22/2023 Ready for Review-Document Uploaded. Hi, Please see the attached - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing The loan file is missing the undisclosed liability report. - Due Diligence Vendor-12/06/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/11/2024  Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/22/2023

XXXXXXXXXX Borrower 1 Gap Credit Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1294472

N/A

N/A

XXXX

20250905006

XXXX

XXXX

XXXX

Closed

2023-12-06 17:06

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-The lender guidelines require the 4506T documents to be processed. Only 1 year of transcripts was provided but the guidelines require the most recent two years transcripts. - Due Diligence Vendor-12/06/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1294477

Investor Post-Close

No

XXXX

20250905006

XXXX

XXXX

XXXX

Closed

2023-12-01 12:49

2023-12-29 20:31

Resolved

1 - Information

Property

Missing Doc

Missing XXX/Condo Certification

Resolved-document received.  - Due Diligence Vendor-12/29/2023 Ready for Review-Document Uploaded. XXX document is available - Buyer-12/27/2023 Open-Missing Supporting Documents to verify XXX Dues for the subject property. - Due Diligence Vendor-12/01/2023

Resolved-document received.  - Due Diligence Vendor-12/29/2023

XXX - XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1286135

N/A

N/A

XXXX

20250905011

XXXX

XXXX

XXXX

Closed

2023-12-07 19:54

2024-01-17 17:15

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/17/2024 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/11/2024 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/11/2024 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/28/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements The lender guidelines require a Credit Refresh report to identify any new credit debts beyond 10 days from the date of the application and prior to the note date. Despite this requirement, no Credit Refresh report was provided. - Due Diligence Vendor-12/07/2023

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/17/2024  Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/11/2024  Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/11/2024  Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/28/2023

XX

Primary Residence

Refinance

Cash Out - Other

1298624

N/A

N/A

XXXX

20250905011

XXXX

XXXX

XXXX

Closed

2023-12-07 19:58

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-The Lender guidelines require that form 4506 must be processed and tax transcripts obtained to validate the borrowers’ personal tax returns and/or W2’s for the most recent two years if applicable. Despite this requirement, no tax transcripts were provided in the loan file. - Due Diligence Vendor-12/07/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1298644

Investor Post-Close

No

XXXX

20250905011

XXXX

XXXX

XXXX

Closed

2023-12-07 21:39

2023-12-28 22:07

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E-consent document received.  Finding is resolved.  - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached supporting document  - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/07/2023

Resolved-E-consent document received.  Finding is resolved.  - Due Diligence Vendor-12/28/2023

XXXXXXXXXX - eConsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1299022

N/A

N/A

XXXX

20250905011

XXXX

XXXX

XXXX

Closed

2023-12-07 18:10

2023-12-28 22:07

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find the attached. - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing The lender guidelines require a Credit Refresh report to identify any new credit debts beyond 10 days from the date of the application and prior to the note date. Despite this requirement, no Credit Refresh report was provided - Due Diligence Vendor-12/07/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX_XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1298194

N/A

N/A

XXXX

20250905011

XXXX

XXXX

XXXX

Closed

2023-12-07 19:57

2023-12-28 22:06

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of XXX Dues for REO1

Resolved-Evidence of XXX provided.  Finding is resolved.  - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. XXX document available - Buyer-12/27/2023 Open-Missing Evidence of XXX Dues for REO1 - Due Diligence Vendor-12/07/2023

Resolved-Evidence of XXX provided.  Finding is resolved.  - Due Diligence Vendor-12/28/2023

XXX - XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1298639

N/A

N/A

XXXX

20250905025

XXXX

XXXX

XXXX

Closed

2023-12-07 20:03

2024-01-17 18:46

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/17/2024 Resolved-Credit report(s) received.  - Due Diligence Vendor-01/02/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/07/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/17/2024  Resolved-Credit report(s) received.  - Due Diligence Vendor-01/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

1298663

N/A

N/A

XXXX

20250905025

XXXX

XXXX

XXXX

Closed

2024-01-11 18:15

2024-01-11 18:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-01/11/2024 Open-S&P RA Only – Junior lien and no secondary product. S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-01/11/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-01/11/2024

XX

Primary Residence

Refinance

Cash Out - Other

1367763

Investor Post-Close

No

XXXX

20250905025

XXXX

XXXX

XXXX

Closed

2023-12-08 15:12

2024-01-10 16:26

Waived

2 - Non-Material

Property

Value

Missing Valuation Review Product - 1

Waived-Exception waiving secondary value dated prior to close received.  - Due Diligence Vendor-01/10/2024 Ready for Review-Document Uploaded. PFA Exception form - Buyer-01/08/2024 Counter-AVM provided discloses a Medium Confidence level.  Guideline requires an AVM used for secondary valuation to have a High Confidence level. - Due Diligence Vendor-12/29/2023 Ready for Review-Document Uploaded. PFA Appraisal & Secondary value supported with AVM FSD 0.15. (Secondary AVM within FSD 0.20 acceptable) - Buyer-12/23/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. The file contains an Appraisal and a Medium-confidence AVM. Guidelines require a CDA when the AVM is not high-confidence. - Due Diligence Vendor-12/08/2023

Waived-Exception waiving secondary value dated prior to close received.  - Due Diligence Vendor-01/10/2024

XXXXXXXXXX - Appraisal.pdf XXXXXXXXXX - AVM FSD 0.15.pdf XXXXXXXXXX - XXXXXXX Exception Form.pdf

Residual income of $XX or more Long term employment (over 5 years)

XX

Primary Residence

Refinance

Cash Out - Other

1300487

Originator Pre-Close

Yes

XXXX

20250905025

XXXX

XXXX

XXXX

Closed

2023-12-07 21:22

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Borrower 1 IRS Transcripts for prior 2 years are missing. - Due Diligence Vendor-12/07/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1298962

Investor Post-Close

No

XXXX

20250905025

XXXX

XXXX

XXXX

Closed

2023-12-07 18:32

2023-12-28 18:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find attached docs  - Buyer-12/19/2023 Open-Borrower 1 Gap Credit Report is Missing The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/07/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

LQI_XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1298281

N/A

N/A

XXXX

20250905025

XXXX

XXXX

XXXX

Closed

2023-12-07 18:51

2023-12-28 18:01

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E Consent, dated XX/XX/XXXX, received.  Condition Resolved. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see the attached supporting doc. - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for the borrower - Due Diligence Vendor-12/07/2023

Resolved-E Consent, dated 9/6/2023, received.  Condition Resolved. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1298360

N/A

N/A

XXXX

20250905021

XXXX

XXXX

XXXX

Closed

2023-12-06 14:00

2025-04-18 17:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find attached LQI report. - Buyer-12/19/2023 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/06/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX_LQI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293901

N/A

N/A

XXXX

20250905021

XXXX

XXXX

XXXX

Closed

2023-12-06 14:00

2025-04-18 17:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find attached docs  - Buyer-12/19/2023 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/06/2023

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

LQI_XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293902

N/A

N/A

XXXX

20250905021

XXXX

XXXX

XXXX

Closed

2023-12-06 13:55

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/06/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1293880

Investor Post-Close

No

XXXX

20250905021

XXXX

XXXX

XXXX

Closed

2023-12-06 13:55

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/06/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1293881

Investor Post-Close

No

XXXX

20250905021

XXXX

XXXX

XXXX

Closed

2023-12-04 19:31

2023-12-28 21:34

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E-Consents, dated XX/XX/XXXX and XX/XX/XXXX, provided.  Condition resolved. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/04/2023

Resolved-E-Consents, dated XX/XX and XX/XX/XXXX, provided.  Condition resolved. - Due Diligence Vendor-12/28/2023

E CONSENT XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1289904

N/A

N/A

XXXX

20250905002

XXXX

XXXX

XXXX

Closed

2023-12-06 07:20

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Borrower 1 IRS Transcripts Missing for prior 2 years. - Due Diligence Vendor-12/06/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1293463

Investor Post-Close

No

XXXX

20250905002

XXXX

XXXX

XXXX

Closed

2023-12-06 15:48

2024-01-02 14:58

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/02/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing copy of Undisclosed Liability Report. - Due Diligence Vendor-12/06/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

1294210

N/A

N/A

XXXX

20250905002

XXXX

XXXX

XXXX

Closed

2023-12-06 05:09

2023-12-28 21:17

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E-Consent document provided.  Finding resolved.  - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see the attached supporting doc. - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/06/2023

Resolved-E-Consent document provided.  Finding resolved.  - Due Diligence Vendor-12/28/2023

XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293313

N/A

N/A

XXXX

20250905002

XXXX

XXXX

XXXX

Closed

2023-12-06 02:49

2023-12-28 21:16

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Fraud report with OFAC report on page 16 - Buyer-12/24/2023 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-12/06/2023

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/28/2023

Fraud report with OFAC report on page 16.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293195

N/A

N/A

XXXX

20250905002

XXXX

XXXX

XXXX

Closed

2023-12-06 02:49

2023-12-28 21:16

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached Fraud Report - Buyer-12/19/2023 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/06/2023

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/28/2023

XXXXXXXXXX_XXXXX XXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293196

N/A

N/A

XXXX

20250905002

XXXX

XXXX

XXXX

Closed

2023-12-06 07:19

2023-12-28 21:16

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Fraud report uploaded - Buyer-12/20/2023 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-12/06/2023

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/28/2023

Fraud report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293460

N/A

N/A

XXXX

20250905002

XXXX

XXXX

XXXX

Closed

2023-12-06 15:28

2023-12-28 21:13

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached supporting document. - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing Missing Undisclosed Liability Report. - Due Diligence Vendor-12/06/2023

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX-B1-Gap-Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1294146

N/A

N/A

XXXX

20250905002

XXXX

XXXX

XXXX

Closed

2023-12-06 15:28

2023-12-28 21:13

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached supporting document. - Buyer-12/18/2023 Open-Borrower 2 Gap Credit Report is Missing Missing Undisclosed Liability Report. - Due Diligence Vendor-12/06/2023

Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX-B2-Gap-Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1294147

N/A

N/A

XXXX

20250905008

XXXX

XXXX

XXXX

Closed

2023-12-01 21:01

2024-01-02 17:44

Resolved

1 - Information

Property

Property

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

Resolved-Inspection report received.  - Due Diligence Vendor-01/02/2024 Ready for Review-Document Uploaded. Disaster Inspection report uploaded, no damage noted. - Buyer-01/02/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-12/01/2023

Resolved-Inspection report received.  - Due Diligence Vendor-01/02/2024

Invoice.pdf Independence Warranty.pdf Disaster Inspection Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1287529

N/A

N/A

XXXX

20250905008

XXXX

XXXX

XXXX

Closed

2023-12-06 14:05

2023-12-21 17:29

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Missing doc finding resolved. - Due Diligence Vendor-12/21/2023 Ready for Review-Document Uploaded. Closing Disclosure - Buyer-12/18/2023 Open-Post close CD missing from loan file for subject property located in dry funding state.  - Due Diligence Vendor-12/06/2023

Resolved-Missing doc finding resolved. - Due Diligence Vendor-12/21/2023

Closing Disclosure.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293915

N/A

N/A

XXXX

20250905008

XXXX

XXXX

XXXX

Closed

2023-12-06 13:21

2023-12-21 17:15

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/21/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing credit refresh.  - Due Diligence Vendor-12/06/2023

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/21/2023

XX

Primary Residence

Refinance

Cash Out - Other

1293820

N/A

N/A

XXXX

20250905008

XXXX

XXXX

XXXX

Closed

2023-12-06 12:43

2023-12-21 17:04

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-12/21/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a credit refresh required on all loan files.  - Due Diligence Vendor-12/06/2023

Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-12/21/2023

XXXXXXXXXX Borrower 1 Gap Credit Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293768

N/A

N/A

XXXX

20250905008

XXXX

XXXX

XXXX

Closed

2023-12-06 12:43

2023-12-21 17:04

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Borrower 2 Gap Credit Report was provided. - Due Diligence Vendor-12/21/2023 Ready for Review-Document Uploaded. Please find attached LQI report. - Buyer-12/19/2023 Open-Borrower 2 Gap Credit Report is Missing Guidelines require a credit refresh required on all loan files.  - Due Diligence Vendor-12/06/2023

Resolved-Borrower 2 Gap Credit Report was provided. - Due Diligence Vendor-12/21/2023

XXXXXXXXXX_LQI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293769

N/A

N/A

XXXX

20250905007

XXXX

XXXX

XXXX

Closed

2023-12-07 13:31

2023-12-27 18:43

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Evidence of E-Consent for borrower and non-borrowing spouse provided. - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Please see the attached document. - Buyer-12/19/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/07/2023

Resolved-Evidence of E-Consent for borrower and non-borrowing spouse provided. - Due Diligence Vendor-12/27/2023

XXXXXXXXXX - E-Consent documentation.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1296941

N/A

N/A

XXXX

20250905007

XXXX

XXXX

XXXX

Closed

2023-12-07 16:48

2023-12-27 18:39

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/27/2023 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/27/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-12/07/2023

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/27/2023  Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/27/2023

XX

Primary Residence

Refinance

Cash Out - Other

1297836

N/A

N/A

XXXX

20250905007

XXXX

XXXX

XXXX

Closed

2023-12-07 16:47

2023-12-27 18:37

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Please find attached supporting document - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/07/2023

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023

XXXXXXXXXX - LQI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1297832

N/A

N/A

XXXX

20250905023

XXXX

XXXX

XXXX

Closed

2023-12-06 20:21

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-Missing Tax Transcripts for the prior two years. - Due Diligence Vendor-12/06/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1295279

Investor Post-Close

No

XXXX

20250905023

XXXX

XXXX

XXXX

Closed

2023-12-06 21:06

2024-01-02 19:20

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Lender provided blanket exception. Income was considered via income documents.  - Due Diligence Vendor-01/02/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing Tax Transcripts for Borrower 1. - Due Diligence Vendor-12/06/2023

Resolved-Lender provided blanket exception. Income was considered via income documents.  - Due Diligence Vendor-01/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

1295477

N/A

N/A

XXXX

20250905023

XXXX

XXXX

XXXX

Closed

2023-12-06 18:55

2023-12-28 13:57

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Evidence of E-Consent for borrower and non-borrowing spouse provided. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see the attached document. - Buyer-12/19/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/06/2023

Resolved-Evidence of E-Consent for borrower and non-borrowing spouse provided. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX - E-Consent documentation.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1294938

N/A

N/A

XXXX

20250905023

XXXX

XXXX

XXXX

Closed

2023-12-06 21:11

2023-12-28 13:55

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Executed Initial Closing Disclosure provided. - Due Diligence Vendor-12/28/2023 Resolved- - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. "Initial CD dated XX/XX/XXXX was esigned by Borrower on XX/XX/XXXX hence earliest closing date can be XX/XX/XXXX. Signed Initial CD is attached for your reference." - Buyer-12/20/2023 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-12/06/2023

Resolved-Executed Initial Closing Disclosure provided. - Due Diligence Vendor-12/28/2023  Resolved- - Due Diligence Vendor-12/28/2023

XXXXXXXXXX- Signed Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1295489

N/A

N/A

XXXX

20250905023

XXXX

XXXX

XXXX

Closed

2023-12-06 21:06

2023-12-28 13:54

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Undisclosed Liability Report. - Due Diligence Vendor-12/06/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023

XX

Primary Residence

Refinance

Cash Out - Other

1295478

N/A

N/A

XXXX

20250905023

XXXX

XXXX

XXXX

Closed

2023-12-06 20:31

2023-12-28 13:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find attached supporting document - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing Missing copy of Undisclosed Liability Report. - Due Diligence Vendor-12/06/2023

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX - LQI.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1295323

N/A

N/A

XXXX

20250905017

XXXX

XXXX

XXXX

Closed

2023-12-06 16:44

2024-01-11 21:22

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/11/2024 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/27/2023 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/27/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/06/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/11/2024  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/27/2023  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/27/2023

XX

Primary Residence

Refinance

Cash Out - Other

1294384

N/A

N/A

XXXX

20250905017

XXXX

XXXX

XXXX

Closed

2023-12-06 13:41

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/06/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1293847

Investor Post-Close

No

XXXX

20250905017

XXXX

XXXX

XXXX

Closed

2023-12-06 13:41

2023-12-27 15:08

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Evidence of E-Consent for the borrower provided. - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Hi, Please see the attached - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/06/2023

Resolved-Evidence of E-Consent for the borrower provided. - Due Diligence Vendor-12/27/2023

XXXXXXXXXX E-Consent documentation.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1293848

N/A

N/A

XXXX

20250905017

XXXX

XXXX

XXXX

Closed

2023-12-06 16:33

2023-12-27 15:06

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/06/2023

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/27/2023

Borrower 1 GAP Credit report 2XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1294348

N/A

N/A

XXXX

20250905026

XXXX

XXXX

XXXX

Closed

2023-12-06 14:50

2023-12-29 18:59

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Bank statements received confirming 2 months receipt.  Finding resolved. - Due Diligence Vendor-12/29/2023 Ready for Review-Document Uploaded. PFA Bank statements reflecting Retirement income receipts - Buyer-12/22/2023 Open-Guidelines require proof of 2 months' receipt of Retirment income. File missing proof of 2 months' receipt.  - Due Diligence Vendor-12/06/2023

Resolved-Bank statements received confirming 2 months receipt.  Finding resolved. - Due Diligence Vendor-12/29/2023

XXXXXXXXXX - Bank statements.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1294012

N/A

N/A

XXXX

20250905026

XXXX

XXXX

XXXX

Closed

2023-12-05 14:10

2023-12-20 18:24

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Evidence of E-Consent for borrower provided. - Due Diligence Vendor-12/20/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/05/2023

Resolved-Evidence of E-Consent for borrower provided. - Due Diligence Vendor-12/20/2023

XXXXXXXXXX Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1291001

N/A

N/A

XXXX

20250905026

XXXX

XXXX

XXXX

Closed

2023-12-05 13:56

2023-12-20 18:21

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Executed Initial Closing Disclosure provided. - Due Diligence Vendor-12/20/2023 Ready for Review-Document Uploaded. "Initial CD dated XX/XX/XXXX was esigned by Borrower on XX/XX/XXXX hence earliest closing date can be XX/XX/XXXX. Signed Initial CD is attached for your reference." - Buyer-12/20/2023 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of (XX/XX/XXXX) with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of (XX/XX/XXXX). No Cure. - Due Diligence Vendor-12/05/2023

Resolved-Executed Initial Closing Disclosure provided. - Due Diligence Vendor-12/20/2023

XXXXXXXXXX - Signed Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1290958

N/A

N/A

XXXX

20250905005

XXXX

XXXX

XXXX

Closed

2023-12-05 19:17

2024-01-09 22:02

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Audited CLTV of 75.32% exceeds Guideline CLTV of 75% - Due Diligence Vendor-01/09/2024 Ready for Review-Document Uploaded. PFA exception form to use new XX/XX/XXXX guide stating - We can use Higher AVM value if CLTV is less than 80%. - Loan closed XX/XX/XXXX - Buyer-01/09/2024 Counter-Per Guidelines, Section 5.1. 4-5-1 Appraisal Requirements, "If two AVMs from the approved waterfall (excluding House Canary) return value high-confidence FSDs, the lower of the two AVMs is the Primary Valuation." Condition remains. - Due Diligence Vendor-12/29/2023 Ready for Review-The loan was closed on XX/XX/XXXX, and as per guidelines we can use higher values to calculate CLTV. 4-5-7 Automated Valuation Model (AVM) - Buyer-12/23/2023 Ready for Review-Document Uploaded. AVM value supported and CLTV with in 75%. - Buyer-12/22/2023 Open-Audited CLTV of 75.6% exceeds Guideline CLTV of 75% The lender guidelines require using the lower value when using 2 AVM's causing the audited CLTV of 75.6% to exceed Guideline CLTV of 75%.   - Due Diligence Vendor-12/05/2023

Waived-Audited CLTV of 75.32% exceeds Guideline CLTV of 75% - Due Diligence Vendor-01/09/2024

AVM.pdf

Residual income of $XX or more Long term employment (over 5 years) Long term home ownership (over 5 years)

XX

Primary Residence

Refinance

Cash Out - Other

1292291

Originator Pre-Close

Yes

XXXX

20250905005

XXXX

XXXX

XXXX

Closed

2023-12-05 19:17

2024-01-09 22:01

Waived

2 - Non-Material

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Waived-Exception made to use higher value AVM. - Due Diligence Vendor-01/09/2024 Ready for Review-Document Uploaded. PFA exception form to use new 09/28 guide stating - We can use Higher AVM value if CLTV is less than 80%. - Loan closed 10.16 - Buyer-01/09/2024 Counter-Per Guidelines, Section 5.1. 4-5-1 Appraisal Requirements, "If two AVMs from the approved waterfall (excluding House Canary) return value high-confidence FSDs, the lower of the two AVMs is the Primary Valuation." Condition remains. - Due Diligence Vendor-12/29/2023 Ready for Review-The loan was closed on XX/XX/XXXX, and as per guidelines we can use higher values to calculate CLTV. 4-5-7 Automated Valuation Model (AVM) - Buyer-12/23/2023 Ready for Review-Document Uploaded. AVM supports the CLTV`` - Buyer-12/22/2023 Open-Audited HLTV of 75.6% exceeds Guideline HCLTV of 75% The lender guidelines require using the lower value when using 2 AVM's causing the audited HLTV of 75.6% to exceed Guideline HLTV of 75%.   - Due Diligence Vendor-12/05/2023

Waived-Exception made to use higher value AVM. - Due Diligence Vendor-01/09/2024

AVM.pdf XXXXXXXXXX XXXXX Exception Form.pdf

Residual income of $XX or more Long term employment (over 5 years) Long term home ownership (over 5 years)

XX

Primary Residence

Refinance

Cash Out - Other

1292292

Originator Pre-Close

Yes

XXXX

20250905005

XXXX

XXXX

XXXX

Closed

2023-12-05 18:33

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-IRS Transcripts missing from the file. - Due Diligence Vendor-12/05/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1292101

Investor Post-Close

No

XXXX

20250905005

XXXX

XXXX

XXXX

Closed

2023-12-06 19:21

2023-12-29 15:01

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/29/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing an Undisclosed Liability report dated at least 10 days prior to Note Date. - Due Diligence Vendor-12/06/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/29/2023

XX

Primary Residence

Refinance

Cash Out - Other

1295014

N/A

N/A

XXXX

20250905005

XXXX

XXXX

XXXX

Closed

2023-12-05 18:43

2023-12-29 15:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/29/2023 Ready for Review-Document Uploaded. Please find attached docs  - Buyer-12/19/2023 Open-Borrower 1 Gap Credit Report is Missing The lender guides require an Undisclosed Liability report dated within 10 days of the Note. - Due Diligence Vendor-12/05/2023

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-12/29/2023

LQI_XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1292144

N/A

N/A

XXXX

20250905022

XXXX

XXXX

XXXX

Closed

2023-12-11 17:42

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/11/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1305158

Investor Post-Close

No

XXXX

20250905022

XXXX

XXXX

XXXX

Closed

2023-12-11 17:42

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/11/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1305160

Investor Post-Close

No

XXXX

20250905022

XXXX

XXXX

XXXX

Closed

2023-12-11 15:33

2024-01-02 14:22

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved- - Due Diligence Vendor-01/02/2024 Resolved- - Due Diligence Vendor-01/02/2024 Ready for Review-Document Uploaded. Where do you see CD was sent through US mail. C was sent electronically and same was esigned/acknowledged by borrower on XX/XX/XXXX. Please see attached our timeline disclosure. - Buyer-12/29/2023 Counter- - Due Diligence Vendor-12/28/2023 Counter-Lender provided same CD as located in loan file, finding remains. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Initial CD dated XX/XX/XXXX was esigned by Borrowers on XX/XX/XXXX hence earliest closing date can be XX/XX/XXXX and Closing date on the loan file is also XX/XX/XXXX. Signed Initial CD is attached for your reference.  - Buyer-12/21/2023 Open-The Initial Closing Disclosure was provided on (XX/XX/XXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-12/11/2023

Resolved-  - Due Diligence Vendor-01/02/2024  Resolved-  - Due Diligence Vendor-01/02/2024

XXXXXXXXXX - Signed Initial CD.pdf XXXXXXXXXX_XXXXXXXXXX - Disclosure Tracking.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1304545

N/A

N/A

XXXX

20250905022

XXXX

XXXX

XXXX

Closed

2023-12-11 17:34

2023-12-28 22:01

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Lender provided E-Consent, finding resolved. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find attached Econsent document. - Buyer-12/19/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/11/2023

Resolved-Lender provided E-Consent, finding resolved. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX_Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1305119

N/A

N/A

XXXX

20250905014

XXXX

XXXX

XXXX

Closed

2023-12-09 07:46

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/09/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1302282

Investor Post-Close

No

XXXX

20250905014

XXXX

XXXX

XXXX

Closed

2023-12-09 07:46

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/09/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1302283

Investor Post-Close

No

XXXX

20250905014

XXXX

XXXX

XXXX

Closed

2023-12-09 05:54

2023-12-28 15:25

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved- - Due Diligence Vendor-12/28/2023 Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find the attached. - Buyer-12/18/2023 Open-Borrower 2 Gap Credit Report is Missing Missing Undisclosed Liability Report. - Due Diligence Vendor-12/09/2023

Resolved-  - Due Diligence Vendor-12/28/2023  Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX_XXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1302236

N/A

N/A

XXXX

20250905014

XXXX

XXXX

XXXX

Closed

2023-12-09 05:54

2023-12-28 15:25

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved- - Due Diligence Vendor-12/28/2023 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please see attached supporting document.  - Buyer-12/18/2023 Open-Borrower 1 Gap Credit Report is Missing Missing Undisclosed Liability Report. - Due Diligence Vendor-12/09/2023

Resolved-  - Due Diligence Vendor-12/28/2023  Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/28/2023

Borrower 1 GAP Credit report XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1302235

N/A

N/A

XXXX

20250905014

XXXX

XXXX

XXXX

Closed

2023-12-09 07:39

2023-12-28 15:25

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Undisclosed Liability Report. - Due Diligence Vendor-12/09/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/28/2023

XX

Primary Residence

Refinance

Cash Out - Other

1302279

N/A

N/A

XXXX

20250905014

XXXX

XXXX

XXXX

Closed

2023-12-09 07:30

2023-12-28 15:01

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Signed initial CD provided. - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Initial CD dated XX/XX/XXXX was esigned by Borrowers on XX/XX/XXXX hence earliest closing date can be XX/XX/XXXX and Closing date on the loan file is also XX/XX/XXXX. Signed Initial CD is attached for your reference.  - Buyer-12/21/2023 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX, for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-12/11/2023

Resolved-Signed initial CD provided. - Due Diligence Vendor-12/28/2023

XXXXXXXXXX - Signed Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1302277

N/A

N/A

XXXX

20250905014

XXXX

XXXX

XXXX

Closed

2023-12-09 07:45

2023-12-28 14:57

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Document received - Due Diligence Vendor-12/28/2023 Ready for Review-Document Uploaded. Please find attached Econsent document. - Buyer-12/19/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/09/2023

Resolved-Document received - Due Diligence Vendor-12/28/2023

XXXXXXXXXX_Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1302280

N/A

N/A

XXXX

20250905010

XXXX

XXXX

XXXX

Closed

2023-12-11 16:32

2024-01-10 17:22

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/10/2024 Acknowledged- - Due Diligence Vendor-12/11/2023 Open-RESPA: AfBA Disclosure is Missing AfBA Disclosure is Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/11/2023

Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/10/2024

XX

Primary Residence

Refinance

Cash Out - Other

1304862

Investor Post-Close

No

XXXX

20250905010

XXXX

XXXX

XXXX

Closed

2023-12-12 19:20

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-IRS transcripts for B1 are missing. - Due Diligence Vendor-12/12/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1308660

Investor Post-Close

No

XXXX

20250905010

XXXX

XXXX

XXXX

Closed

2023-12-12 19:21

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open-IRS transcripts for B2 are missing. - Due Diligence Vendor-12/12/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1308665

Investor Post-Close

No

XXXX

20250905010

XXXX

XXXX

XXXX

Closed

2023-12-11 21:40

2023-12-27 18:59

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Signed CD received and entered. Compliance issues cleared. - Due Diligence Vendor-12/27/2023 Resolved-Resolved - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Initial CD dated XX/XX/XXXX was esigned by Borrowers on XX/XX/XXXX hence earliest closing date can be XX/XX/XXXX and Closing date on the loan file is also XX/XX/XXXX. Signed Initial CD is attached for your reference.  - Buyer-12/21/2023 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-12/11/2023

Resolved-Signed CD received and entered. Compliance issues cleared. - Due Diligence Vendor-12/27/2023  Resolved-Resolved - Due Diligence Vendor-12/27/2023

XXXXXXXXXX - Signed Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1306077

N/A

N/A

XXXX

20250905010

XXXX

XXXX

XXXX

Closed

2023-12-11 21:42

2023-12-27 18:51

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Documents received.  - Due Diligence Vendor-12/27/2023 Ready for Review-Document Uploaded. Please find the attached. - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/11/2023

Resolved-Documents received.  - Due Diligence Vendor-12/27/2023

XXXXXXXXXX_XXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1306090

N/A

N/A

XXXX

20250905003

XXXX

XXXX

XXXX

Closed

2023-12-11 14:05

2024-01-09 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023 Open- - Due Diligence Vendor-12/11/2023

Waived-Per Investor:GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/09/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-12/15/2023

XX

Primary Residence

Refinance

Cash Out - Other

1304130

Investor Post-Close

No

XXXX

20250905003

XXXX

XXXX

XXXX

Closed

2023-12-11 19:13

2023-12-27 17:27

Resolved

1 - Information

Compliance

State Reg

TX 50(a)(6) Violation: Loan Documents not completed on XXXX/ XXXXX Paper

Resolved-Not applicable to 2nd liens. - Due Diligence Vendor-12/27/2023 Ready for Review-"We do not sell the loans to  XXXX/XXXXX hence it is not required for us to complete the Loan documents on  XXXX/XXXXX  forms." - Buyer-12/21/2023 Open-XX 50(a)(6) Violation: Loan Documents not completed on XXXX/XXXXX Paper - Due Diligence Vendor-12/11/2023

Resolved-Not applicable to 2nd liens. - Due Diligence Vendor-12/27/2023

XX

Primary Residence

Refinance

Cash Out - Other

1305588

N/A

N/A

XXXX

20250905003

XXXX

XXXX

XXXX

Closed

2023-12-11 14:05

2023-12-27 16:53

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Document provided.  - Due Diligence Vendor-12/27/2023 Ready for Review-Please find the attached. - Buyer-12/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/11/2023

Resolved-Document provided.  - Due Diligence Vendor-12/27/2023

XXXXXXXXXX_XXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1304129

N/A

N/A

XXXX

20250905031

XXXX

XXXX

XXXX

Closed

2024-01-23 14:12

2024-01-31 16:12

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E-Consent Received.  Condition resolved. - Due Diligence Vendor-01/31/2024 Ready for Review-Document Uploaded. E-consent is attached for your reference. - Buyer-01/31/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for both borrowers. - Due Diligence Vendor-01/23/2024

Resolved-E-Consent Received.  Condition resolved. - Due Diligence Vendor-01/31/2024

XXXXXXXXXX_Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1386991

N/A

N/A

XXXX

20250905031

XXXX

XXXX

XXXX

Closed

2024-01-22 12:05

2024-01-25 15:59

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  - Due Diligence Vendor-01/25/2024 Acknowledged-Borrower1 Tax Transcript is missing. Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-01/22/2024

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  - Due Diligence Vendor-01/25/2024  Acknowledged-Borrower1 Tax Transcript is missing. Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-01/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

1384157

Originator Pre-Close

Yes

XXXX

20250905036

XXXX

XXXX

XXXX

Closed

2024-01-23 15:57

2024-01-25 15:59

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  - Due Diligence Vendor-01/25/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2024

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  - Due Diligence Vendor-01/25/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

1387239

Originator Pre-Close

Yes

XXXX

20250905036

XXXX

XXXX

XXXX

Closed

2024-01-23 10:25

2024-01-23 16:30

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/23/2024

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

1386674

Investor Post-Close

No

XXXX

20250905029

XXXX

XXXX

XXXX

Closed

2024-01-19 15:02

2024-02-01 18:19

Resolved

1 - Information

Compliance

Missing Doc

TILA: Loan Estimate Missing or Incomplete

Resolved-Initial LE received.  - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. Please refer to the attached document. Page 75 we have the Initial Loan Estimate . - Buyer-01/31/2024 Open-TILA: Loan Estimate Missing or Incomplete Subject to compliance testing when Initial Loan Estimate is received. - Due Diligence Vendor-01/22/2024

Resolved-Initial LE received.  - Due Diligence Vendor-02/01/2024

XXXXXXXXXX_Ini Dis.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1381494

N/A

N/A

XXXX

20250905029

XXXX

XXXX

XXXX

Closed

2024-01-19 14:52

2024-01-31 19:55

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E Consent Received for B.  CB did not esign docs.  Condition resolved. - Due Diligence Vendor-01/31/2024 Ready for Review-Document Uploaded. E-consent is attached for your reference. - Buyer-01/31/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-01/19/2024

Resolved-E Consent Received for B.  CB did not esign docs.  Condition resolved. - Due Diligence Vendor-01/31/2024

XXXXXXXXXX_Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1381465

N/A

N/A

XXXX

20250905029

XXXX

XXXX

XXXX

Closed

2024-01-19 14:53

2024-01-25 15:59

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  - Due Diligence Vendor-01/25/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-01/22/2024

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  - Due Diligence Vendor-01/25/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-01/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

1381467

Originator Pre-Close

Yes

XXXX

20250905029

XXXX

XXXX

XXXX

Closed

2024-01-19 14:53

2024-01-25 15:59

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  - Due Diligence Vendor-01/25/2024 Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-01/22/2024

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers.  - Due Diligence Vendor-01/25/2024  Acknowledged-Per client: GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-01/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

1381469

Originator Pre-Close

Yes

XXXX

20250905029

XXXX

XXXX

XXXX

Closed

2024-01-19 13:56

2024-01-22 17:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/19/2024

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

1381248

Investor Post-Close

No

XXXX

20250905034

XXXX

XXXX

XXXX

Closed

2024-01-29 14:01

2024-02-01 22:59

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E-Consent, dated XX/XX/XXXX, received.  Condition Resolved. - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. E-consent is attached for your reference. - Buyer-02/01/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-01/29/2024

Resolved-E-Consent, dated XX/XX/XXXX, received.  Condition Resolved. - Due Diligence Vendor-02/01/2024

XXXXXXXXXX_Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1397179

N/A

N/A

XXXX

20250905034

XXXX

XXXX

XXXX

Closed

2024-01-24 19:08

2024-01-30 16:21

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/30/2024 Ready for Review-Document Uploaded. PFA Master Insurance policy - Buyer-01/30/2024 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-01/24/2024

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/30/2024

HOI Policy.pdf Condo Master Policy.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1390579

N/A

N/A

XXXX

20250905034

XXXX

XXXX

XXXX

Closed

2024-01-24 19:24

2024-01-29 17:56

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers. Per Lender: our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/29/2024 Waived-Borrower IRS Transcripts Missing. Lender provided approved exception dated prior to origination. The lender approved exception follows the lender’s exception policy. For informational purposes only. - Due Diligence Vendor-01/24/2024

Waived-GL section 4-2-6-5, requires transcripts for all borrowers. Per Lender: our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/29/2024  Waived-Borrower IRS Transcripts Missing. Lender provided approved exception dated prior to origination. The lender approved exception follows the lender’s exception policy. For informational purposes only. - Due Diligence Vendor-01/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1390638

Originator Pre-Close

Yes

XXXX

20250905030

XXXX

XXXX

XXXX

Closed

2024-01-30 14:00

2024-02-01 18:35

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E-Consent, dated XX/XX/XXXX, received.  Condition Resolved. - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. E-consent is attached for your reference. - Buyer-02/01/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-01/30/2024

Resolved-E-Consent, dated XX/XX/XXXX, received.  Condition Resolved. - Due Diligence Vendor-02/01/2024

XXXXXXXXXX_Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1400378

N/A

N/A

XXXX

20250905030

XXXX

XXXX

XXXX

Closed

2024-01-31 11:08

2024-01-31 20:15

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-01/31/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/31/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-01/31/2024

XX

Primary Residence

Refinance

Cash Out - Other

1404012

Originator Post-Close

No

XXXX

20250905033

XXXX

XXXX

XXXX

Closed

2024-01-30 14:58

2024-02-01 21:43

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy provided.  Condition Resolved. - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. Please find attached Master policy for the subject - Buyer-02/01/2024 Counter-Please provide master insurance policy. - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. Please find attached HO6 policy for the subject - Buyer-01/31/2024 Open-Missing HO-6 Master Insurance Policy Master Insurance is missing for subject property. - Due Diligence Vendor-01/30/2024

Resolved-HO-6 Master Insurance Policy provided.  Condition Resolved. - Due Diligence Vendor-02/01/2024

HO6 for subject.pdf Master Insurance for XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1400616

N/A

N/A

XXXX

20250905033

XXXX

XXXX

XXXX

Closed

2024-01-30 15:07

2024-02-01 20:18

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. Please see attached taxes and insurance document for REO property in section 3b on final application - Buyer-01/31/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of taxes and Insurance for REO property in section 3b on final application - Due Diligence Vendor-01/30/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/01/2024

Tax Report for XXXX XXXXXXX XXX.pdf CONDO Insurance XXXX XXXXXXX XXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1400651

N/A

N/A

XXXX

20250905033

XXXX

XXXX

XXXX

Closed

2024-01-30 15:12

2024-02-01 20:17

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E consent received.  - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. E-consent is attached for your reference. - Buyer-02/01/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-01/30/2024

Resolved-E consent received.  - Due Diligence Vendor-02/01/2024

XXXXXXXXXX_Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1400664

N/A

N/A

XXXX

20250905033

XXXX

XXXX

XXXX

Closed

2024-01-30 15:13

2024-02-01 20:13

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Insurance for REO

Resolved-Evidence of no HO6 received. Property is a rental property - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. Please find attached LOE for property insurance for "1181 Packers Cir". Property in section 3b of the final application is "XXXX XXXXXXX XXX". As per LOE no separate insurance is there on the REO property. - Buyer-01/31/2024 Open-Missing Evidence of Insurance for property in section 3b on final application - Due Diligence Vendor-01/30/2024

Resolved-Evidence of no HO6 received. Property is a rental property - Due Diligence Vendor-02/01/2024

CONDO Insurance XXXX XXXXXXX XXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1400673

N/A

N/A

XXXX

20250905033

XXXX

XXXX

XXXX

Closed

2024-01-30 15:14

2024-02-01 20:11

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Property Taxes for REO

Resolved-Tax documentation received.  - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. Please find attached property tax report for "XXXX XXXXXXX XXX". Tax Property in section 3b on the final application is "XXXX XXXXXXX XXX" - Buyer-01/31/2024 Open-Evidence of property taxes for property in section 3b on the final application not provided. - Due Diligence Vendor-01/30/2024

Resolved-Tax documentation received.  - Due Diligence Vendor-02/01/2024

Tax Report for XXXX XXXXXXX XXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1400675

N/A

N/A

XXXX

20250905033

XXXX

XXXX

XXXX

Closed

2024-01-30 15:12

2024-02-01 20:02

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Resolved-Transcripts received.  - Due Diligence Vendor-02/01/2024 Ready for Review-Document Uploaded. Please see attached tax transcript for Borrower 1 for the year XXXX and XXXX. - Buyer-01/31/2024 Open-Self-employed Borrower 1 IRS transcripts are missing. - Due Diligence Vendor-01/30/2024

Resolved-Transcripts received.  - Due Diligence Vendor-02/01/2024

Tax Transcript for XXXX and XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1400667

N/A

N/A

XXXX

20250905033

XXXX

XXXX

XXXX

Closed

2024-01-30 15:13

2024-01-31 16:49

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-Borrower 2 IRS transcripts are missing. GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/30/2024

Waived-Borrower 2 IRS transcripts are missing. GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

1400670

Originator Pre-Close

Yes

XXXX

20250905032

XXXX

XXXX

XXXX

Closed

2025-04-08 17:57

2025-04-08 17:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/08/2025

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/08/2025

XX

Primary Residence

Refinance

Cash Out - Other

3809200

Investor Post-Close

No

XXXX

20250905032

XXXX

XXXX

XXXX

Closed

2024-01-30 20:15

2024-03-12 18:25

Resolved

1 - Information

Property

Appraisal

Primary Value Valuation Date is after the Note Date

Resolved-Initial AVM received. Initial AVM expired during funding and was repulled to confirm supported value.  - Due Diligence Vendor-03/12/2024 Open-Primary Value Valuation Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-01/30/2024

Resolved-Initial AVM received. Initial AVM expired during funding and was repulled to confirm supported value.  - Due Diligence Vendor-03/12/2024

XX

Primary Residence

Refinance

Cash Out - Other

1402517

N/A

N/A

XXXX

20250905032

XXXX

XXXX

XXXX

Closed

2024-01-30 20:30

2024-02-02 22:35

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E-consent provided.  Finding resolved.  - Due Diligence Vendor-02/02/2024 Ready for Review-Document Uploaded. E-Consent is attached for your reference - Buyer-02/02/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-01/30/2024

Resolved-E-consent provided.  Finding resolved.  - Due Diligence Vendor-02/02/2024

XXXXXXXXXX - Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1402614

N/A

N/A

XXXX

20250905032

XXXX

XXXX

XXXX

Closed

2024-01-30 20:30

2024-02-01 16:47

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/30/2024

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

1402618

Originator Pre-Close

Yes

XXXX

20250905032

XXXX

XXXX

XXXX

Closed

2024-01-30 20:31

2024-02-01 16:47

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/30/2024

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

1402619

Originator Pre-Close

Yes

XXXX

20250905032

XXXX

XXXX

XXXX

Closed

2024-01-30 20:31

2024-02-01 16:45

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 3 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/30/2024

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-01/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

1402623

Originator Pre-Close

Yes

XXXX

20250905035

XXXX

XXXX

XXXX

Closed

2024-02-01 13:02

2024-02-01 14:00

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-02/01/2024

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-02/01/2024

XX

Primary Residence

Refinance

Cash Out - Other

1407018

Originator Pre-Close

Yes

XXXX

20250905035

XXXX

XXXX

XXXX

Closed

2024-01-30 19:19

2024-01-30 19:19

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2024

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

1402170

Investor Post-Close

No

XXXX

20250905037

XXXX

XXXX

XXXX

Closed

2024-03-11 16:11

2024-03-14 15:15

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

Resolved-Resolved - E-consent provided.  - Due Diligence Vendor-03/14/2024 Ready for Review-Document Uploaded. Please find attached E-Consent.  - Buyer-03/13/2024 Open-E-Consent documentation on Pre-TRID loan is missing for borrower(s)  - Due Diligence Vendor-03/11/2024

Resolved-Resolved - E-consent provided.  - Due Diligence Vendor-03/14/2024

XXXXXXXXXX E consent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1485914

N/A

N/A

XXXX

20250905037

XXXX

XXXX

XXXX

Closed

2024-03-11 16:18

2024-03-13 19:59

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of XXX Dues for Primary Residence

Resolved-Proof of XXX dues received.  - Due Diligence Vendor-03/13/2024 Ready for Review-Document Uploaded. Please see attached XXX dues statement - Buyer-03/12/2024 Open-Missing Evidence of XXX Dues for Primary Residence Subject is a PUD. Provide verification of XXX fee amount. - Due Diligence Vendor-03/11/2024

Resolved-Proof of XXX dues received.  - Due Diligence Vendor-03/13/2024

XXX dues statement.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1485958

N/A

N/A

XXXX

20250905037

XXXX

XXXX

XXXX

Closed

2024-03-11 16:12

2024-03-11 17:29

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/11/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/11/2024

This finding will be rated a C for S&P. All other agencies will be rated as A.

XX

Primary Residence

Refinance

Cash Out - Other

1485925

Investor Post-Close

No

XXXX

20250905039

XXXX

XXXX

XXXX

Closed

2024-03-13 20:43

2024-03-15 14:04

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Resolved - E-consent provided.  - Due Diligence Vendor-03/15/2024 Ready for Review-Document Uploaded. Please find attached Econsent - Buyer-03/14/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-03/13/2024

Resolved-Resolved - E-consent provided.  - Due Diligence Vendor-03/15/2024

XXXXXXXXXX-Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1493472

N/A

N/A

XXXX

20250905039

XXXX

XXXX

XXXX

Closed

2024-03-13 20:42

2024-03-13 20:42

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-03/13/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-03/13/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1493471

Investor Post-Close

No

XXXX

20250905045

XXXX

XXXX

XXXX

Closed

2024-03-19 15:32

2024-03-22 16:15

Resolved

1 - Information

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/22/2024 Ready for Review-Document Uploaded. Please see attached Master Policy. - Buyer-03/21/2024 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-03/20/2024

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/22/2024

Master Policy.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1507650

N/A

N/A

XXXX

20250905045

XXXX

XXXX

XXXX

Closed

2024-03-19 17:43

2024-03-22 16:09

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E consent received.  - Due Diligence Vendor-03/22/2024 Ready for Review-Document Uploaded. Please find the attached E consent doc. - Buyer-03/21/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-03/19/2024

Resolved-E consent received.  - Due Diligence Vendor-03/22/2024

XXXXXXXXXX-econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1508257

N/A

N/A

XXXX

20250905045

XXXX

XXXX

XXXX

Closed

2024-03-19 17:42

2024-03-20 14:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

1508255

Investor Post-Close

No

XXXX

20250905045

XXXX

XXXX

XXXX

Closed

2024-03-19 14:10

2024-03-20 10:49

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/20/2024

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

1507148

Investor Post-Close

No

XXXX

20250905041

XXXX

XXXX

XXXX

Closed

2024-03-19 16:06

2024-03-22 17:26

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E consent received.  - Due Diligence Vendor-03/22/2024 Ready for Review-Document Uploaded. Please find the attached E consent doc.  - Buyer-03/22/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-03/19/2024

Resolved-E consent received.  - Due Diligence Vendor-03/22/2024

XXXXXXXXXX-E consent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1507880

N/A

N/A

XXXX

20250905043

XXXX

XXXX

XXXX

Closed

2024-03-20 15:53

2024-04-01 19:45

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Documentation received finding resolved.  - Due Diligence Vendor-03/27/2024 Ready for Review-Document Uploaded. Please find the attached E-consent. - Buyer-03/26/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower. - Due Diligence Vendor-03/20/2024

Resolved-Documentation received finding resolved.  - Due Diligence Vendor-03/27/2024

XXXXXXXXXX-Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1510974

N/A

N/A

XXXX

20250905043

XXXX

XXXX

XXXX

Closed

2024-03-20 14:22

2024-04-01 19:44

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Resolved-Resolved - Due Diligence Vendor-04/01/2024 Ready for Review-Document Uploaded. On the mentioned loan file all the fees are paid by the lender. There is no lender credit mentioned on the CD. Please find attached the Final CD on page 91. Hence no cure in the loan file. - Buyer-03/29/2024 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XXX.XX). The actual total fee amount shows a credit amount of ($XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Recording Fees - Mortgage/Deed of Trust). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The loan file did not contain a valid COC to support the decrease.  A tolerance cure of $X.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-03/22/2024

Resolved-Resolved - Due Diligence Vendor-04/01/2024

XXXXXXXXXX-Final Cd.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1510547

N/A

N/A

XXXX

20250905043

XXXX

XXXX

XXXX

Closed

2024-03-20 14:22

2024-04-01 19:44

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - Due Diligence Vendor-04/01/2024 Ready for Review-Document Uploaded. On the mentioned loan file all the fees are paid by the lender. There is no lender credit mentioned on the CD. Please find attached the Final CD on page 91. Hence no cure in the loan file. - Buyer-03/29/2024 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (Recording Fees - Mortgage/Deed of Trust). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The loan file did not contain a valid COC to support the decrease.  A tolerance cure of $X.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-03/22/2024

Resolved-Resolved - Due Diligence Vendor-04/01/2024

XXXXXXXXXX-Final Cd.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1510546

N/A

N/A

XXXX

20250905043

XXXX

XXXX

XXXX

Closed

2024-03-20 15:56

2024-03-20 15:56

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2024

XX

Primary Residence

Refinance

Cash Out - Other

1510991

Investor Post-Close

No

XXXX

20250905040

XXXX

XXXX

XXXX

Closed

2024-03-27 14:16

2025-04-11 17:04

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/29/2024 Ready for Review-Document Uploaded. Please see attached appraisal used for XXX dues. - Buyer-03/28/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements XXX bill for subject property is missing. - Due Diligence Vendor-03/27/2024

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/29/2024

Appraisal for XXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1528472

N/A

N/A

XXXX

20250905040

XXXX

XXXX

XXXX

Closed

2024-03-27 15:07

2024-04-01 14:25

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E-Consent received.  Finding cleared. - Due Diligence Vendor-04/01/2024 Ready for Review-Document Uploaded. Please find attached E-consent. - Buyer-03/29/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for the co-borrower - Due Diligence Vendor-03/28/2024

Resolved-E-Consent received.  Finding cleared. - Due Diligence Vendor-04/01/2024

XXXXXXXXXX-Econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1528625

N/A

N/A

XXXX

20250905040

XXXX

XXXX

XXXX

Closed

2024-03-27 15:06

2024-03-29 13:04

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of XXX Dues for Primary Residence

Resolved-Appraisal provided disclosing monthly XXX dues.  Finding cleared. - Due Diligence Vendor-03/29/2024 Ready for Review-Document Uploaded. Please find Appraisal for the property used for XXX feesonly. - Buyer-03/28/2024 Open-Missing Evidence of XXX Dues for Primary Residence Missing Evidence of XXX Dues for subject property - Due Diligence Vendor-03/27/2024

Resolved-Appraisal provided disclosing monthly XXX dues.  Finding cleared. - Due Diligence Vendor-03/29/2024

Appraisal for XXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1528624

N/A

N/A

XXXX

20250905040

XXXX

XXXX

XXXX

Closed

2024-03-27 15:08

2024-03-27 15:08

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Notice of Servicing Transfer

Acknowledged-This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-03/27/2024

Acknowledged-This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-03/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1528634

Investor Post-Close

No

XXXX

20250905040

XXXX

XXXX

XXXX

Closed

2024-03-27 15:07

2024-03-27 15:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-03/27/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-03/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1528628

Investor Post-Close

No

XXXX

20250905044

XXXX

XXXX

XXXX

Closed

2024-04-02 18:29

2024-04-02 18:42

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Notice of Servicing Transfer

Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/02/2024

Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

1543921

Investor Post-Close

No

XXXX

20250905044

XXXX

XXXX

XXXX

Closed

2024-04-02 18:38

2024-04-02 18:38

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-04/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-04/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

1543965

Investor Post-Close

No

XXXX

20250905042

XXXX

XXXX

XXXX

Closed

2024-04-02 17:11

2024-04-02 17:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/02/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/02/2024

XX

Primary Residence

Refinance

Cash Out - Other

1543568

Investor Post-Close

No

XXXX

20250905038

XXXX

XXXX

XXXX

Closed

2024-04-04 16:29

2024-05-01 14:54

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-LE dated XX/XX/XXXX received.  - Due Diligence Vendor-05/01/2024 Acknowledged-Revised LE is missing dated on XX/XX/XXXX. - Due Diligence Vendor-04/30/2024 Open- - Due Diligence Vendor-04/30/2024

Resolved-LE dated XX/XX/XXXX received.  - Due Diligence Vendor-05/01/2024  Acknowledged-Revised LE is missing dated on XX/XX/XXXX. - Due Diligence Vendor-04/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

1550558

N/A

N/A

XXXX

20250905038

XXXX

XXXX

XXXX

Closed

2024-04-04 15:56

2024-05-01 14:53

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-05/01/2024 Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-04/30/2024 Open-Recording fees on final CD total $XXX.XX. Initial LE dated XX/XX/XXXX lists recording fees as $XXX.XX. This fee is in a 10% tolerance section. Lender tolerance cure of $XX.XX is required. Section J reflects $X.XX tolerance cure that is insufficient. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-04/30/2024 Open- - Due Diligence Vendor-04/30/2024 Acknowledged-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/30/2024

We have received the XXXXXXX XXXXX on XX/XX (Marital status changed from Married to Unmarried) hence we requested Deed with updated vesting. Deed was received on XX/XX/XXXX due to which additional recording fee increased from $XXX.XX to $XXX.XX for recording deed. We have sent the revised CD with the correct recording fee on XX/XX. Recording fee increased due to valid change of circumstance and we have disclosed the revised CD within 3 business days hence cure is not required. - 04/30/2024

Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-05/01/2024  Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-04/30/2024  Acknowledged-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

1550418

N/A

N/A

XXXX

20250905038

XXXX

XXXX

XXXX

Closed

2024-04-04 15:56

2024-05-01 14:53

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-04/30/2024 Open-Recording fees on final CD total $XXX.XX. Initial LE dated XX/XX/XXXX lists recording fees as $XXX.XX. This fee is in a 10% tolerance section. Lender tolerance cure of $XX.XX is required. Section J reflects $X.XX tolerance cure that is insufficient. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-04/30/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance.  - Due Diligence Vendor-04/30/2024 Acknowledged-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance.  - Due Diligence Vendor-04/30/2024 Open- - Due Diligence Vendor-04/30/2024

We have received the XXXXXXX XXXXX on XX/XX (Marital status changed from Married to Unmarried) hence we requested Deed with updated vesting. Deed was received on XX/XX/XXXX due to which additional recording fee increased from $XXX.XX to $XXX.XX for recording deed. We have sent the revised CD with the correct recording fee on XX/XX. Recording fee increased due to valid change of circumstance and we have disclosed the revised CD within 3 business days hence cure is not required. - 04/30/2024

Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-05/01/2024  Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-04/30/2024  Acknowledged-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/30/2024

XX

Primary Residence

Refinance

Cash Out - Other

1550417

N/A

N/A

XXXX

20250905038

XXXX

XXXX

XXXX

Closed

2024-04-04 17:47

2024-04-04 17:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

1550880

Investor Post-Close

No

XXXX

20250905038

XXXX

XXXX

XXXX

Closed

2024-04-04 16:03

2024-04-04 16:03

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Notice of Servicing Transfer

Acknowledged-This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-04/04/2024

Acknowledged-This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-04/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

1550457

Investor Post-Close

No

XXXX

20250905053

XXXX

XXXX

XXXX

Closed

2024-04-12 16:15

2024-04-12 16:15

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Notice of Servicing Transfer

Acknowledged-This finding is non-material and will be rated a B for all agencies.. - Due Diligence Vendor-04/12/2024

Acknowledged-This finding is non-material and will be rated a B for all agencies.. - Due Diligence Vendor-04/12/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1576462

Investor Post-Close

No

XXXX

20250905055

XXXX

XXXX

XXXX

Closed

2024-04-17 19:56

2024-04-17 19:56

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Notice of Servicing Transfer

Acknowledged-Missing Notice of Servicing Transfer. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/17/2024

Acknowledged-Missing Notice of Servicing Transfer. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

1592295

Investor Post-Close

No

XXXX

20250905054

XXXX

XXXX

XXXX

Closed

2024-04-19 10:53

2024-04-19 10:53

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/19/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

1598117

Investor Post-Close

No

XXXX

20250905054

XXXX

XXXX

XXXX

Closed

2024-04-19 10:52

2024-04-19 10:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Notice of Servicing Transfer

Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/19/2024

Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/19/2024

XX

Primary Residence

Refinance

Cash Out - Other

1598114

Investor Post-Close

No

XXXX

20250905049

XXXX

XXXX

XXXX

Closed

2024-05-09 15:16

2024-05-09 15:16

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-05/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-05/09/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1667853

Originator Post-Close

Yes

XXXX

20250905049

XXXX

XXXX

XXXX

Closed

2024-05-09 14:30

2024-05-09 14:30

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/09/2024

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/09/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1667575

Investor Post-Close

No

XXXX

20250905052

XXXX

XXXX

XXXX

Closed

2024-05-16 11:00

2024-05-20 17:59

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD received.  - Due Diligence Vendor-05/20/2024 Ready for Review-Document Uploaded. Please find the attached CD. - Buyer-05/20/2024 Open-The Closing Disclosure, dated XX/XX/XXXX, is missing from the loan file. Additional conditions may apply.  - Due Diligence Vendor-05/16/2024

Resolved-Initial CD received.  - Due Diligence Vendor-05/20/2024

Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1691232

N/A

N/A

XXXX

20250905052

XXXX

XXXX

XXXX

Closed

2024-05-16 10:38

2024-05-20 17:58

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - Due Diligence Vendor-05/20/2024 Ready for Review-Document Uploaded. Please find the attached CD prior to 3 days of closing date .  - Buyer-05/20/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD dated XX/XX/XXXX is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-05/16/2024

Resolved-Resolved - Due Diligence Vendor-05/20/2024

Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1691182

N/A

N/A

XXXX

20250905052

XXXX

XXXX

XXXX

Closed

2024-05-16 10:45

2024-05-16 10:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. “This finding will be rated a C for S&P. All other agencies will be rated as A.” - Due Diligence Vendor-05/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. “This finding will be rated a C for S&P. All other agencies will be rated as A.” - Due Diligence Vendor-05/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

1691194

Originator Pre-Close

No

XXXX

20250905046

XXXX

XXXX

XXXX

Closed

2024-05-17 18:28

2024-05-17 18:28

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/17/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/17/2024

XX

Primary Residence

Refinance

Cash Out - Other

1700775

Investor Post-Close

No

XXXX

20250905051

XXXX

XXXX

XXXX

Closed

2024-05-18 16:40

2024-05-19 18:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. For this finding, please add the below to the auto generated breach narrative: “This finding will be rated a C for S&P. All other agencies will be rated as A.” - Due Diligence Vendor-05/18/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. For this finding, please add the below to the auto generated breach narrative: “This finding will be rated a C for S&P. All other agencies will be rated as A.” - Due Diligence Vendor-05/18/2024

XX

Primary Residence

Refinance

Cash Out - Other

1703587

Investor Post-Close

No

XXXX

20250905047

XXXX

XXXX

XXXX

Closed

2024-05-22 17:38

2024-05-28 18:19

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Award letter received.  - Due Diligence Vendor-05/28/2024 Open- - Due Diligence Vendor-05/28/2024 Resolved- - Due Diligence Vendor-05/28/2024 Ready for Review-Document Uploaded. PFA VA Letter & Bank statement transaction XX/XX & XX/XX dated for $XXX - Buyer-05/24/2024 Open-Income and Employment Do Not Meet Guidelines Per Lender Guidelines VA Benefits need to be documented with an Award Letter and Proof of two months receipt of Income. The Award letter was not provided.  - Due Diligence Vendor-05/22/2024

Resolved-Award letter received.  - Due Diligence Vendor-05/28/2024  Resolved- - Due Diligence Vendor-05/28/2024

VA Letter & Bank Statement.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1722559

N/A

N/A

XXXX

20250905047

XXXX

XXXX

XXXX

Closed

2024-05-22 18:46

2024-05-28 18:05

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/28/2024 Ready for Review-Document Uploaded. PFA VA Letter & Bank statement transaction XX/XX & XX/XX dated for $XXX - Buyer-05/24/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-05/22/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/28/2024

VA Letter & Bank Statement.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1723145

N/A

N/A

XXXX

20250905047

XXXX

XXXX

XXXX

Closed

2024-05-22 18:15

2024-05-28 17:53

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/28/2024 Ready for Review-Document Uploaded. PFA Flood Policy - Buyer-05/23/2024 Open-Missing Flood Insurance Policy - Due Diligence Vendor-05/22/2024

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-05/28/2024

Flood policy.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1722848

N/A

N/A

XXXX

20250905047

XXXX

XXXX

XXXX

Closed

2024-05-22 20:41

2024-05-28 17:46

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-AVM in file deemed valid via exception. - Due Diligence Vendor-05/28/2024 Ready for Review-Document Uploaded. PFA Exception form - Buyer-05/24/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines, section 5.8. 4-5-7, require AVM FSD to be equal to or below 12.5 (87.50%) if being used to determine subject property value. An AVM less than or equal to 20 may be used on an exception basis to determine subject property value. Exception in file is not approved. The AVM in file had FSD of .18 (82.0%).   Provide an approved and signed Exception. - Due Diligence Vendor-05/22/2024

Resolved-AVM in file deemed valid via exception. - Due Diligence Vendor-05/28/2024

XXXXXXXXXX XXXXX Exception Form.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1723952

N/A

N/A

XXXX

20250905047

XXXX

XXXX

XXXX

Closed

2024-05-22 18:51

2024-05-22 18:51

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/22/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/22/2024

XX

Primary Residence

Refinance

Cash Out - Other

1723169

Investor Post-Close

No

XXXX

20250905050

XXXX

XXXX

XXXX

Closed

2024-05-23 12:07

2024-05-23 12:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

1725920

Investor Post-Close

No

XXXX

20250905066

XXXX

XXXX

XXXX

Closed

2024-06-05 16:37

2024-06-11 17:09

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-06/11/2024 Ready for Review-Document Uploaded. PFA post disaster inspection report. - Buyer-06/10/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-06/05/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-06/11/2024

Disaster Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1789613

N/A

N/A

XXXX

20250905066

XXXX

XXXX

XXXX

Closed

2024-06-04 14:01

2024-06-04 14:01

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/04/2024

XX

Primary Residence

Refinance

Cash Out - Other

1781424

Investor Post-Close

No

XXXX

20250905057

XXXX

XXXX

XXXX

Closed

2024-07-26 20:17

2024-07-26 20:17

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. AVM is not within tolerance.  This finding is graded C for S&P Only and A for all other agencies.   - Due Diligence Vendor-07/26/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. AVM is not within tolerance.  This finding is graded C for S&P Only and A for all other agencies.   - Due Diligence Vendor-07/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2067784

Investor Post-Close

No

XXXX

20250905058

XXXX

XXXX

XXXX

Closed

2024-06-06 08:43

2024-06-06 08:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/06/2024

XX

Primary Residence

Refinance

Cash Out - Other

1793099

Investor Post-Close

No

XXXX

20250905062

XXXX

XXXX

XXXX

Closed

2024-06-05 13:18

2024-06-07 14:39

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

1787643

Investor Post-Close

No

XXXX

20250905063

XXXX

XXXX

XXXX

Closed

2024-06-06 15:26

2024-06-06 15:26

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/06/2024

XX

Primary Residence

Refinance

Cash Out - Other

1795104

Investor Post-Close

No

XXXX

20250905088

XXXX

XXXX

XXXX

Closed

2024-06-07 13:04

2024-06-07 13:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-06/07/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-06/07/2024

XX

Primary Residence

Refinance

Cash Out - Other

1799510

Investor Post-Close

No

XXXX

20250905059

XXXX

XXXX

XXXX

Closed

2024-06-14 15:07

2024-08-01 19:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/25/2024 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/25/2024 Resolved-Borrower 1 Credit Report received.  Finding resolved. - Due Diligence Vendor-06/18/2024 Ready for Review-Document Uploaded. PFA Credit report  - Buyer-06/18/2024 Open-Borrower 1 Credit Report is Missing. Borrower Credit Report is Missing. - Due Diligence Vendor-06/14/2024

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/25/2024  Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/25/2024  Resolved-Borrower 1 Credit Report received.  Finding resolved. - Due Diligence Vendor-06/18/2024

XXXXXXXXXX - Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1833826

N/A

N/A

XXXX

20250905059

XXXX

XXXX

XXXX

Closed

2024-06-14 15:07

2024-08-01 19:05

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/25/2024 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/25/2024 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/18/2024 Ready for Review-Document Uploaded. PFA Credit report - Buyer-06/18/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements. Credit report is missing in loan file. - Due Diligence Vendor-06/14/2024

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/25/2024  Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/25/2024  Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/18/2024

XXXXXXXXXX - Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1833827

N/A

N/A

XXXX

20250905059

XXXX

XXXX

XXXX

Closed

2024-06-14 15:07

2024-08-01 19:05

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/18/2024 Ready for Review-Document Uploaded. PFA Credit report - Buyer-06/18/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements. Credit report is missing in loan file. - Due Diligence Vendor-06/14/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/18/2024

XXXXXXXXXX - Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1833828

N/A

N/A

XXXX

20250905059

XXXX

XXXX

XXXX

Closed

2024-06-14 16:27

2024-06-14 16:27

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding is non-material and will be rated a C for all agencies. - Due Diligence Vendor-06/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding is non-material and will be rated a C for all agencies. - Due Diligence Vendor-06/14/2024

XX

Primary Residence

Refinance

Cash Out - Other

1835139

Investor Post-Close

No

XXXX

20250905065

XXXX

XXXX

XXXX

Closed

2024-06-14 18:35

2024-06-14 18:35

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/14/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1835924

Investor Post-Close

No

XXXX

20250905061

XXXX

XXXX

XXXX

Closed

2024-06-28 20:16

2024-06-28 20:20

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-06/28/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-06/28/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1907475

Investor Post-Close

No

XXXX

20250905060

XXXX

XXXX

XXXX

Closed

2024-06-28 18:07

2025-04-09 15:09

Waived

2 - Non-Material

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Waived-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/09/2025 Acknowledged-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/03/2024 Ready for Review-Document Uploaded. PFA exception form to use only SSI award letter removing bank statement requirement and VOE(Form 1005) for B2 within 10 days of closing. - Buyer-07/02/2024 Open-Income and Employment Do Not Meet Guidelines Missing two months bank statements verifying the receipt of the Social Security as required by Lender Guidelines. Borrower 2 3rd Party VOE Prior to Close Missing  - Due Diligence Vendor-06/28/2024

Waived-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/09/2025  Acknowledged-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/03/2024

SSI Exception Form.pdf VOE within 10 days.pdf

Residual income of $XX or more, Long term employment (over 5 years) - B2, Long term home ownership (over 5 years)

XX

Primary Residence

Refinance

Cash Out - Other

1906308

Originator Pre-Close

Yes

XXXX

20250905060

XXXX

XXXX

XXXX

Closed

2024-06-28 19:46

2025-04-09 15:08

Waived

2 - Non-Material

Credit

Missing Doc

Missing income documentation

Waived-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/09/2025 Acknowledged-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/03/2024 Ready for Review-Document Uploaded. PFA exception form to use only Award letter for SSI income, removing bank statement requirement. - Buyer-07/02/2024 Open-Missing two months bank statements verifying the receipt of the Social Security as required by Lender Guidelines. - Due Diligence Vendor-06/28/2024

Waived-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/09/2025  Acknowledged-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/03/2024

SSI Exception Form.pdf

Residual income of $XX ore more, Long term employment (over 5 years) - B2, Long term home ownership (over 5 years)

XX

Primary Residence

Refinance

Cash Out - Other

1907269

Originator Pre-Close

Yes

XXXX

20250905060

XXXX

XXXX

XXXX

Closed

2024-06-28 18:07

2024-07-26 20:56

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/03/2024 Ready for Review-Document Uploaded. PFA verification of employment(Form 1005) within 10 business of closing.  - Buyer-07/02/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing 3rd Party VOE is missing - Due Diligence Vendor-06/28/2024

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/03/2024

VOE within 10 days.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1906307

N/A

N/A

XXXX

20250905060

XXXX

XXXX

XXXX

Closed

2024-06-28 18:07

2024-07-26 20:56

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/03/2024 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/03/2024 Ready for Review-Document Uploaded. PFA exception form to using only award letter and remove bank statement requirement and VOE(Form 1007) of B2 within 10 days prior to closing. - Buyer-07/02/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing two months bank statements verifying the receipt of the Social Security as required by Lender Guidelines. Borrower 2 3rd Party VOE Prior to Close Missing  - Due Diligence Vendor-06/28/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/03/2024  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/03/2024

VOE within 10 days.pdf SSI Exception Form.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1906309

N/A

N/A

XXXX

20250905060

XXXX

XXXX

XXXX

Closed

2024-06-28 18:45

2024-07-03 16:04

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document provided.  Finding resolved. - Due Diligence Vendor-07/03/2024 Ready for Review-Document Uploaded. PFA Title document. - Buyer-07/02/2024 Open-Title Document is missing - Due Diligence Vendor-06/28/2024

Resolved-Title Document provided.  Finding resolved. - Due Diligence Vendor-07/03/2024

Title Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1906663

N/A

N/A

XXXX

20250905060

XXXX

XXXX

XXXX

Closed

2024-06-29 07:50

2024-06-29 07:50

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/29/2024

XX

Primary Residence

Refinance

Cash Out - Other

1908785

Investor Post-Close

No

XXXX

20250905076

XXXX

XXXX

XXXX

Closed

2024-07-08 15:01

2024-07-12 16:52

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Lender waiver provided.  - Due Diligence Vendor-07/12/2024 Ready for Review-Document Uploaded. PFA exception form with update compensating factors. - Buyer-07/11/2024 Open-Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 13.  Lender provided approved exception dated prior to origination with only 2 compensating factors. One of the compensating factors was for Minimal Consumer Debt. However, the borrower has outstanding consumer balance of $XX,XXX.XX and paid off an additional $XX,XXX.XX in consumer debt at closing. Guidelines (4.4. 4-4-5) state there must be three compensating factors present to be considered by management when an exception is requested and provides the acceptable compensating factors of which the borrower has only 1 of the compensating factors on the list.  - Due Diligence Vendor-07/08/2024

Waived-Lender waiver provided.  - Due Diligence Vendor-07/12/2024

Exception Form.pdf

Credit Score >/= 10+ Points more than qualifying Residual income of $XX or more Long term home ownership (over 5 years) 36+ Months 0x30 housing payment history

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1945748

Originator Pre-Close

Yes

XXXX

20250905076

XXXX

XXXX

XXXX

Closed

2024-07-08 15:54

2024-07-12 16:50

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-07/12/2024 Ready for Review-Document Uploaded. PFA Hazard Insurance Policy for subject property. - Buyer-07/11/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing Hazard Insurance Policy. - Due Diligence Vendor-07/08/2024

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-07/12/2024

Homeowner Insurance Policy.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1946345

N/A

N/A

XXXX

20250905076

XXXX

XXXX

XXXX

Closed

2024-07-03 19:11

2024-07-12 16:41

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is not Missing - Due Diligence Vendor-07/12/2024 Ready for Review-Document Uploaded. PFA title documents - Buyer-07/11/2024 Open-Title Document is missing - Due Diligence Vendor-07/03/2024

Resolved-Title Document is not Missing - Due Diligence Vendor-07/12/2024

Title Report.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1930454

N/A

N/A

XXXX

20250905076

XXXX

XXXX

XXXX

Closed

2024-07-05 10:14

2024-07-12 16:25

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/12/2024 Ready for Review-Document Uploaded. PFA Hazard Insurance Policy for subject property. - Buyer-07/11/2024 Open-Missing Hazard Insurance Policy for subject property. - Due Diligence Vendor-07/05/2024

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/12/2024

Homeowner Insurance Policy.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1934921

N/A

N/A

XXXX

20250905076

XXXX

XXXX

XXXX

Closed

2024-07-05 11:50

2024-07-10 16:36

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/05/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1935386

Investor Post-Close

No

XXXX

20250905056

XXXX

XXXX

XXXX

Closed

2024-07-09 20:23

2024-07-09 20:49

Waived

2 - Non-Material

Property

Value

Missing Valuation Review Product - 1

Waived-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 0.13. Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/09/2024

Waived-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 0.13. Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/09/2024

FICO 20 points above requirement; Residual income of $XX or more and long term employment (over 5 years).

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1956457

Originator Pre-Close

Yes

XXXX

20250905056

XXXX

XXXX

XXXX

Closed

2024-07-08 12:06

2024-07-09 20:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1944623

Investor Post-Close

No

XXXX

20250905064

XXXX

XXXX

XXXX

Closed

2024-07-05 17:06

2024-07-09 17:23

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of 45.14% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/09/2024 Ready for Review-Document Uploaded. Please find attached statement of XXXX(30 day open account), which reflect pay over time balance of $XX,XXX.XX and payment of $XXX.XX which is included in DTI(See attached 1003) and remaining pay in full balance of $X,XXX.XX is excluded, as borrower has sufficient funds of $X,XXX.XX to cover the pay in full balance. - Buyer-07/08/2024 Open-Audited DTI of 63.21% exceeds Guideline DTI of 50% Per guidelines, section 2.7.1 4-2-7-1, Open 30-day charge accounts, when a portion of the outstanding monthly balance account is paid over time a statement showing amount due is required and the payment must be included in the DTI. The credit comparison in file shows the payment due. Lender did not include the payment in the DTI.  The Guidelines also state Borrower must have sufficient assets to cover the unpaid balance to exclude from the DTI. No asset verification was provided in the file to exclude, and the 1003 did not show sufficient assets ($X,XXX.XX) to cover the balance ($XX,XXX.XX). The verified payment from the credit comparison was added to the DTI, which increased the DTI to 63.21% and exceeded the maximum 50% allowed by guidelines. - Due Diligence Vendor-07/05/2024

Resolved-Audited DTI of 45.14% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/09/2024

30 Day open Account.pdf Credit Supplement.pdf Open Account.pdf 1003.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1937856

N/A

N/A

XXXX

20250905064

XXXX

XXXX

XXXX

Closed

2024-07-05 16:40

2024-07-09 16:27

Waived

2 - Non-Material

Property

Value

Missing Valuation Review Product - 1

Acknowledged-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/09/2024 Ready for Review-Document Uploaded. PFA approved exception form for FSD 20. - Buyer-07/08/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 0.2 - Due Diligence Vendor-07/05/2024

Acknowledged-Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/09/2024

Exception Form.pdf

FICO 20 points above requirement, Residual income of $XX or more, Long term employment (over 5 years)

XX

Primary Residence

Refinance

Cash Out - Other

1937623

Originator Pre-Close

Yes

XXXX

20250905064

XXXX

XXXX

XXXX

Closed

2024-07-03 18:21

2024-07-09 16:21

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-07/09/2024 Ready for Review-Document Uploaded. PFA flood insurance policy. - Buyer-07/08/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Flood Insurance policy is missing for subject property - Due Diligence Vendor-07/03/2024

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-07/09/2024

Flood Insurance Policy.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1929988

N/A

N/A

XXXX

20250905064

XXXX

XXXX

XXXX

Closed

2024-07-03 17:47

2024-07-09 16:07

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy was provided.  Finding resolved. - Due Diligence Vendor-07/09/2024 Ready for Review-Document Uploaded. PFA flood insurance policy - Buyer-07/08/2024 Open-Missing Flood Insurance Policy - Due Diligence Vendor-07/03/2024

Resolved-Flood Insurance Policy was provided.  Finding resolved. - Due Diligence Vendor-07/09/2024

Flood Insurance Policy.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1929615

N/A

N/A

XXXX

20250905064

XXXX

XXXX

XXXX

Closed

2024-07-05 16:36

2024-07-09 15:49

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/09/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-07/09/2024 Ready for Review-Document Uploaded. Please find attached XXXX(30 day open account) statement reflecting pay over time balance of $XX,XXX.XX and payment of $XXX.XX which is included in DTI(Please see attached 1003) and remaining pay in full balance of $X,XXX.XX is excluded, as borrower has sufficient balance of $X,XXX.XX to cover pay in full balance. - Buyer-07/08/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Per guidelines, section 2.7.1 4-2-7-1, Open 30-day charge accounts, when a portion of the outstanding monthly balance account is paid over time a statement showing amount due is required and the payment must be included in the DTI. The credit comparison in file shows the payment due. Lender did not include the payment in the DTI.  The Guidelines also state Borrower must have sufficient assets to cover the unpaid balance to exclude from the DTI. No asset verification was provided in the file to exclude, and the 1003 did not show sufficient assets ($X,XXX.XX) to cover the balance ($XX,XXX.XX). The verified payment from the credit comparison was added to the DTI, which increased the DTI to 63.21% and exceeded the maximum 50% allowed by guidelines. - Due Diligence Vendor-07/05/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/09/2024

Credit Supplement.pdf 30 Day open Account.pdf 1003.pdf Open Account.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1937597

N/A

N/A

XXXX

20250905064

XXXX

XXXX

XXXX

Closed

2024-07-03 18:31

2024-07-05 17:07

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-07/03/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-07/03/2024

XX

Primary Residence

Refinance

Cash Out - Other

1930070

Investor Post-Close

No

XXXX

20250905067

XXXX

XXXX

XXXX

Closed

2024-07-03 19:08

2024-07-03 19:08

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/03/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/03/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1930425

Investor Post-Close

No

XXXX

20250905086

XXXX

XXXX

XXXX

Closed

2024-07-08 13:24

2024-07-10 16:30

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-07/10/2024 Ready for Review-Document Uploaded. PFA recent disaster post incident inspection report. - Buyer-07/10/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-07/08/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-07/10/2024

Disaster Report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

1945004

N/A

N/A

XXXX

20250905086

XXXX

XXXX

XXXX

Closed

2024-07-08 14:43

2024-07-09 19:33

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/08/2024

XX

Primary Residence

Refinance

Cash Out - Other

1945591

Investor Post-Close

No

XXXX

20250905082

XXXX

XXXX

XXXX

Closed

2024-07-09 19:26

2024-07-10 20:31

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/09/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/09/2024

XX

Primary Residence

Refinance

Cash Out - Other

1955887

Investor Post-Close

No

XXXX

20250905082

XXXX

XXXX

XXXX

Closed

2024-07-09 18:41

2024-07-10 20:31

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Notice of Servicing Transfer

Acknowledged-This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-07/09/2024

Acknowledged-This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-07/09/2024

XX

Primary Residence

Refinance

Cash Out - Other

1955447

Investor Post-Close

No

XXXX

20250905082

XXXX

XXXX

XXXX

Closed

2024-07-10 20:26

2024-07-10 20:31

Waived

2 - Non-Material

Compliance

QM-ATR

Qualified Mortgage Loan Term

Waived-Guidelines allow loan terms of 10, 15, 20 or 30 years, fully amortizing. The subject Note has a term of 118 months. Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated.  - Due Diligence Vendor-07/10/2024

Waived-Guidelines allow loan terms of 10, 15, 20 or 30 years, fully amortizing. The subject Note has a term of 118 months. Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated.  - Due Diligence Vendor-07/10/2024

Long term home ownership (over 5 years).

XX

Primary Residence

Refinance

Cash Out - Other

1964816

Originator Pre-Close

Yes

XXXX

20250905080

XXXX

XXXX

XXXX

Closed

2024-07-25 13:11

2024-07-25 13:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/25/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/25/2024

XX

Primary Residence

Refinance

Cash Out - Other

2054070

Investor Post-Close

No

XXXX

20250905070

XXXX

XXXX

XXXX

Closed

2024-07-25 21:18

2024-07-31 20:35

Resolved

1 - Information

Compliance

Missing Doc

Loan Estimate disclosure is missing or incomplete

Resolved-Recieved - Due Diligence Vendor-07/31/2024 Ready for Review-Document Uploaded. Please find the attached Loan Estimate for the loan file. - Buyer-07/31/2024 Open-Loan Estimate disclosure is missing or incomplete Additional conditions may apply  - Due Diligence Vendor-07/25/2024

Resolved-Recieved - Due Diligence Vendor-07/31/2024

LE.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2060284

N/A

N/A

XXXX

20250905070

XXXX

XXXX

XXXX

Closed

2024-07-29 18:21

2024-07-31 20:27

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Waiver provided for FSD .18. - Due Diligence Vendor-07/31/2024 Ready for Review-Document Uploaded. PFA exception from for using AVM with FSD 18. - Buyer-07/30/2024 Open-The FSD of the AVM is 18 and lender guidelines require the FSD to be at or below 12.5 or between 12.5 and 20 with an exception; no exception located in the file - Due Diligence Vendor-07/29/2024

Waived-Waiver provided for FSD .18. - Due Diligence Vendor-07/31/2024

Exception Form.pdf

Residual income of $XXor more Long term home ownership (over 5 years) Minimal consumer debt.

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2078762

Originator Pre-Close

Yes

XXXX

20250905070

XXXX

XXXX

XXXX

Closed

2024-07-29 18:24

2024-07-29 18:24

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/29/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/29/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2078791

Investor Post-Close

No

XXXX

20250905081

XXXX

XXXX

XXXX

Closed

2024-07-31 17:29

2024-08-05 14:12

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - Due Diligence Vendor-08/05/2024 Ready for Review-Document Uploaded. Please find the attached Initial CD. - Buyer-08/05/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply.  - Due Diligence Vendor-07/31/2024

Resolved-Resolved - Due Diligence Vendor-08/05/2024

Ini CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2096116

N/A

N/A

XXXX

20250905081

XXXX

XXXX

XXXX

Closed

2024-08-02 11:55

2024-08-05 14:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-Acknowledged - Due Diligence Vendor-08/05/2024 Ready for Review-Loan is qualified using AVM only. No secondary valuation required. - Buyer-08/02/2024 Open-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-08/02/2024

Acknowledged-Acknowledged - Due Diligence Vendor-08/05/2024

XX

Primary Residence

Refinance

Cash Out - Other

2108747

Originator Pre-Close

Yes

XXXX

20250905079

XXXX

XXXX

XXXX

Closed

2024-08-14 22:19

2024-08-16 14:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-08/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. - Due Diligence Vendor-08/14/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2190101

Investor Post-Close

No

XXXX

20250905069

XXXX

XXXX

XXXX

Closed

2024-08-16 17:50

2024-08-16 17:51

Acknowledged

2 - Non-Material

Compliance

TRID

Information required for CD 'Contact Information' License ID section not completed or completed in error

Acknowledged-Information required for CD 'Contact Information' License ID section not completed, or completed in error .  Settlement Agent XX License ID was not provided on the Final CD. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-08/16/2024

Acknowledged-Information required for CD 'Contact Information' License ID section not completed, or completed in error .  Settlement Agent TX License ID was not provided on the Final CD. This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-08/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2202956

Investor Post-Close

No

XXXX

20250905069

XXXX

XXXX

XXXX

Closed

2024-08-15 14:42

2024-08-16 17:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/15/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/15/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2193464

Originator Pre-Close

Yes

XXXX

20250905073

XXXX

XXXX

XXXX

Closed

2024-08-16 12:30

2024-08-16 12:30

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/16/2024

XX

Second Home

Refinance

Cash Out - Other

2199928

Originator Pre-Close

Yes

XXXX

20250905084

XXXX

XXXX

XXXX

Closed

2024-08-16 19:47

2024-08-16 19:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/16/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/16/2024

XX

Primary Residence

Refinance

Cash Out - Other

2204269

Originator Pre-Close

Yes

XXXX

20250905075

XXXX

XXXX

XXXX

Closed

2024-08-23 09:00

2024-08-23 09:00

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. “This finding will be rated a C for S&P. All other agencies will be rated as A.”  - Due Diligence Vendor-08/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. “This finding will be rated a C for S&P. All other agencies will be rated as A.”  - Due Diligence Vendor-08/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2239739

Investor Post-Close

No

XXXX

20250905071

XXXX

XXXX

XXXX

Closed

2024-08-23 20:20

2024-08-26 15:35

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - Due Diligence Vendor-08/26/2024 Ready for Review-Document Uploaded. On the loan file, there is no increase in the lender credit. The 10% tolerance is under breach from Baseline disclosure ($XXX.XX) to Final Disclosure ($XXX). We have attached the XX/XX/XXXX CD along with the COC. - Buyer-08/26/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Missing CD dated XX/XX/XXXX to coincide with the COC dated XX/XX/XXXX.  - Due Diligence Vendor-08/23/2024

Resolved-Resolved - Due Diligence Vendor-08/26/2024

Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2246031

N/A

N/A

XXXX

20250905071

XXXX

XXXX

XXXX

Closed

2024-08-22 19:01

2024-08-26 15:35

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - Due Diligence Vendor-08/26/2024 Ready for Review-Document Uploaded. Please find the attached CD dated XX/XX/XXXX for the loan. - Buyer-08/26/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii))  Missing the initial CD dated XX/XX/XXXX as showing on the disclosure tracking details. Additional conditions may apply. - Due Diligence Vendor-08/22/2024

Resolved-Resolved - Due Diligence Vendor-08/26/2024

Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2237059

N/A

N/A

XXXX

20250905071

XXXX

XXXX

XXXX

Closed

2024-08-23 20:20

2024-08-26 15:35

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Resolved - Due Diligence Vendor-08/26/2024 Ready for Review-On the loan file, there is no increase in the lender credit. The 10% tolerance is under breach from Baseline disclosure ($XXX.XX) to Final Disclosure ($XXX). We have attached the XX/XX/XXXX CD along with the COC. - Buyer-08/26/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Missing CD dated XX/XX/XXXX to coincide with the COC dated XX/XX/XXXX.  - Due Diligence Vendor-08/23/2024

Resolved-Resolved - Due Diligence Vendor-08/26/2024

XX

Primary Residence

Refinance

Cash Out - Other

2246030

N/A

N/A

XXXX

20250905071

XXXX

XXXX

XXXX

Closed

2024-08-22 19:28

2024-08-23 20:11

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-08/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-08/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2237305

Investor Post-Close

No

XXXX

20250905077

XXXX

XXXX

XXXX

Closed

2024-08-21 17:40

2024-08-23 13:57

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-08/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-08/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2228585

Investor Post-Close

No

XXXX

20250905074

XXXX

XXXX

XXXX

Closed

2024-08-23 19:00

2024-08-23 19:00

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 17.  Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/23/2024

Waived-Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 17.  Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/23/2024

1-LTV 10% or more under requirement. 2-FICO 20 points above requirement. 3-Long term employment (over 5 years).

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2245204

Originator Pre-Close

Yes

XXXX

20250905074

XXXX

XXXX

XXXX

Closed

2024-08-22 11:31

2024-08-23 18:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-08/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-08/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2232375

Investor Post-Close

No

XXXX

20250905087

XXXX

XXXX

XXXX

Closed

2024-08-23 18:41

2024-08-27 18:45

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/23/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2244999

Investor Post-Close

No

XXXX

20250905083

XXXX

XXXX

XXXX

Closed

2024-08-26 16:38

2025-04-09 15:16

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/09/2025 Acknowledged-Exception with validated compensating factors received. - Due Diligence Vendor-08/27/2024 Ready for Review-Document Uploaded. PFA update exception form with update compensating factor - Buyer-08/27/2024 Open-Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $XXXXX . A lender exception is present in the loan file, dated prior to consummation, compensating factors are not met' Exception Form requires FICO 20 points above guidelines; Lender Guidelines require residual income to be 2 times monthly debts, not $X,XXX or more as state on the Exception form. - Due Diligence Vendor-08/26/2024

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/09/2025  Acknowledged-Exception with validated compensating factors received. - Due Diligence Vendor-08/27/2024

XXXXXXXXXX XXXXXXX Exception Form.pdf

Employment of 5 years on the same job FICO 10 points above requirement 36+ Months 0x30 housing payment history

XX

Primary Residence

Refinance

Cash Out - Other

2254217

Originator Pre-Close

Yes

XXXX

20250905083

XXXX

XXXX

XXXX

Closed

2024-08-23 12:48

2024-08-23 12:48

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. “This finding will be rated a C for S&P. All other agencies will be rated as A.”  - Due Diligence Vendor-08/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. “This finding will be rated a C for S&P. All other agencies will be rated as A.”  - Due Diligence Vendor-08/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2240671

Investor Post-Close

No

XXXX

20250905085

XXXX

XXXX

XXXX

Closed

2024-08-23 15:36

2024-09-20 15:38

Waived

2 - Non-Material

Property

Appraisal

Valuation product is deficient

Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.  - Due Diligence Vendor-09/20/2024 Open-Lender Guidelines require the AVM to have and FSD equal to or lower than 12.5, AVMS with an FSD between 12.5 and 20 are allowed on an exception basis, AVM FSD = 14. Lender Exception in the loon file dated prior to consummation; however, the compensating factors do not meet guideline requirements.  - Due Diligence Vendor-09/20/2024

Waived-A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.  - Due Diligence Vendor-09/20/2024

XXXXXXXXXX XXXXXXXXX Exception Form.pdf

1 - DTI </= 10% below the Maximum Qualifying 2 - Employment of 5 years on the same job 3 - 36+ Months 0x30 housing payment history

XX

Primary Residence

Refinance

Cash Out - Other

2242871

Originator Pre-Close

Yes

XXXX

20250905085

XXXX

XXXX

XXXX

Closed

2024-08-23 15:37

2024-08-23 15:40

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. “This finding will be rated a C for S&P. All other agencies will be rated as A.”   - Due Diligence Vendor-08/23/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. “This finding will be rated a C for S&P. All other agencies will be rated as A.”   - Due Diligence Vendor-08/23/2024

XX

Primary Residence

Refinance

Cash Out - Other

2242879

Investor Post-Close

No

XXXX

20250906364

XXXX

XXXX

XXXX

Closed

2025-01-27 15:01

2025-02-11 20:53

Resolved

1 - Information

Compliance

XXXXXXXX

AbilityToRepay: QMPointsAndFees

Resolved-Rate sheet received.  Condition cleared.   - Due Diligence Vendor-02/11/2025 Resolved-Resolved - Due Diligence Vendor-02/11/2025 Open- - Due Diligence Vendor-02/11/2025 Ready for Review-lock sheet - Due Diligence Vendor-02/10/2025 Counter-We are not able to open the document provided.  Please upload a new copy of the pdf.  Condition remains.   - Due Diligence Vendor-02/06/2025 Ready for Review-lock sheet showing par rate and actual rate - Due Diligence Vendor-02/05/2025 Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XX,XXX.XX and <$XX,XXX.XX) fee limit, which is 5% of the Total Loan Amount ($X,XXX.XX), the difference is ($XXX.XX). (12 CFR 1026.43(e)(3). Missing proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-01/27/2025

Resolved-Rate sheet received.  Condition cleared.   - Due Diligence Vendor-02/11/2025  Resolved-Resolved - Due Diligence Vendor-02/11/2025

XXXXXXXXXX_XXXXXXXXXX.pdf XXXXXXXXXX_XXXXXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Other

3285373

N/A

N/A

XXXX

20250906364

XXXX

XXXX

XXXX

Closed

2025-01-29 17:38

2025-01-29 18:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-Acknowledged by client. - Due Diligence Vendor-01/29/2025 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2025

Acknowledged-Acknowledged by client. - Due Diligence Vendor-01/29/2025

XX

Primary Residence

Refinance

Cash Out - Other

3307686

Investor Post-Close

No

XXXX

20250906365

XXXX

XXXX

XXXX

Closed

2025-01-29 18:03

2025-01-29 18:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-Acknowledged by client. - Due Diligence Vendor-01/29/2025 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2025

Acknowledged-Acknowledged by client. - Due Diligence Vendor-01/29/2025

XX

Primary Residence

Refinance

Cash Out - Other

3308154

Investor Post-Close

No

XXXX

20250906366

XXXX

XXXX

XXXX

Closed

2025-01-29 17:59

2025-01-29 18:55

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-Acknowledged by client. - Due Diligence Vendor-01/29/2025 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2025

Acknowledged-Acknowledged by client. - Due Diligence Vendor-01/29/2025

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3308090

Investor Post-Close

No

XXXX

20250906397

XXXX

XXXX

XXXX

Closed

2024-11-14 15:14

2024-11-18 14:58

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2809518

Investor Post-Close

No

XXXX

20250906407

XXXX

XXXX

XXXX

Closed

2024-11-05 18:06

2024-11-15 21:56

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. Please find the attached Initial CD, it was sent on XX/XX and signed by Borrower on XX/XX/XXXX. The CD dated XX/XX/XXXX is Final CD which is used for Closing. That is not Initial CD.  - Buyer-11/15/2024 Ready for Review-Document Uploaded. Please find the attached Initial CD, it was sent on XX/XX/XXXX and signed by Borrower on XX/XX/XXX. - Buyer-11/15/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No cure. - Due Diligence Vendor-11/05/2024

Resolved-Resolved - Due Diligence Vendor-11/15/2024

XXXXXXXXXX - Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2746834

N/A

N/A

XXXX

20250906407

XXXX

XXXX

XXXX

Closed

2024-11-05 18:23

2024-11-05 18:23

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2747084

Investor Post-Close

No

XXXX

20250906385

XXXX

XXXX

XXXX

Closed

2024-12-03 13:24

2024-12-13 17:53

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Cured-PCCD dated XX/XX/XXXX and evidence of cure provided. - Due Diligence Vendor-12/13/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. Recording fee has been redcued to $XXX.XX hence there will be cure of $XX.XX. Please find the attached PCCD with cure of $XX.XX, copy of refund and Disclosure tracking. - Buyer-12/13/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. (Recording Fees –Mortgage/Deed of Trust) on CD dated (XX/XX/XXXX) is ($XXX). LE dated (XX/XX/XXXX) lists fee as ($XXX). This fee is in a (10%) tolerance section. Lender tolerance cure of ($XX.XX) is required. Section J reflects ($X) tolerance cure that is insufficient as it was applied to the tolerance cure for the (Recording Fees – Mortgage/Deed of Trust). Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-12/04/2024

Cured-PCCD dated 12/10/2024 and evidence of cure provided. - Due Diligence Vendor-12/13/2024

XXXXXXXXXX - Disclosure Tracking.pdf XXXXXXXXXX - PCCD.pdf image (24).png XXXXXXX-ach-receipt-XX/XX/XXXX-94a4.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2916792

N/A

N/A

XXXX

20250906385

XXXX

XXXX

XXXX

Closed

2024-12-03 13:24

2024-12-13 17:53

Cured

2 - Non-Material

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Cured-PCCD dated XX/XX/XXXX and evidence of cure provided. - Due Diligence Vendor-12/13/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/13/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. (Recording Fees –Mortgage/Deed of Trust) on CD dated (XX/XX/XXXX) is ($XXX). LE dated (XX/XX/XXXX) lists fee as ($XXX). This fee is in a (10%) tolerance section. Lender tolerance cure of ($XX.XX) is required. Section J reflects ($X) tolerance cure that is insufficient as it was applied to the tolerance cure for the (Recording Fees – Mortgage/Deed of Trust). Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. Recording fee has been redcued to $XXX.XX hence there will be cure of $XX.XX. Please find the attached PCCD with cure of $XX.XX, copy of refund and Disclosure tracking. - Buyer-12/13/2024

Cured-PCCD dated 12/10/2024 and evidence of cure provided. - Due Diligence Vendor-12/13/2024

XXXXXXXXXX - Disclosure Tracking.pdf XXXXXXXXXX - PCCD.pdf image (24).png XXXXXXX-ach-receipt-XX/XX/XXXX-94a4.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2916795

N/A

N/A

XXXX

20250906370

XXXX

XXXX

XXXX

Closed

2024-12-04 13:25

2025-02-19 20:41

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. PFA 11.15 dated paystub within 10 business days of closing 11.26 - Buyer-12/13/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements Guidelines dated 11/07/2024 require employment to be verified with VVOE dated within 10 business days prior to note date. VVOE for borrower missing from loan file.  - Due Diligence Vendor-12/04/2024

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/13/2024

XX/XX/XXXX dated paystub within 10 business days of closing XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2926392

N/A

N/A

XXXX

20250906370

XXXX

XXXX

XXXX

Closed

2024-12-04 13:25

2024-12-13 20:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. PFA XX/XX/XXXX dated paystub within 10 business days of closing XX/XX/XXXX - Buyer-12/13/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines dated XX/XX/XXXX require employment to be verified with VVOE dated within 10 business days prior to note date. VVOE for borrower missing from loan file.  - Due Diligence Vendor-12/04/2024

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/13/2024

XX/XX/XXXX dated paystub within 10 business days of closing XX/XX/XXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2926391

N/A

N/A

XXXX

20250906392

XXXX

XXXX

XXXX

Closed

2024-11-14 14:48

2025-04-03 11:40

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Waived-Borrower 1 Gap Credit Report is Missing Guidelines require a Credit Refresh (LQI) when the credit report is older than 45 days from the note date. The credit report in file was dated XX/XX/XXXX and the Note date was XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/14/2024

Waived-Borrower 1 Gap Credit Report is Missing Guidelines require a Credit Refresh (LQI) when the credit report is older than 45 days from the note date. The credit report in file was dated XX/XX/XXXX and the Note date was XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/14/2024

CLTV 15% or more under requirement DTI 44.93% with guideline max DTI of 50%

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2809123

Originator Pre-Close

Yes

XXXX

20250906392

XXXX

XXXX

XXXX

Closed

2024-11-14 16:14

2024-11-18 14:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2810572

Investor Post-Close

No

XXXX

20250906427

XXXX

XXXX

XXXX

Closed

2024-11-06 20:12

2024-11-15 21:30

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Received - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. Please find the attached econsent.  - Buyer-11/15/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/06/2024

Resolved-Received - Due Diligence Vendor-11/15/2024

XXXXXXXXXX - eConsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2757073

N/A

N/A

XXXX

20250906427

XXXX

XXXX

XXXX

Closed

2024-11-06 20:12

2024-11-06 20:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

XX

Primary Residence

Refinance

Cash Out - Other

2757082

Investor Post-Close

No

XXXX

20250906416

XXXX

XXXX

XXXX

Closed

2024-10-31 14:40

2025-04-02 19:59

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P.  - Due Diligence Vendor-04/02/2025 Acknowledged- - Due Diligence Vendor-11/13/2024 Open-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/31/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P.  - Due Diligence Vendor-04/02/2025

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2721042

Investor Post-Close

No

XXXX

20250906416

XXXX

XXXX

XXXX

Closed

2024-10-31 14:45

2024-11-15 21:08

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Received - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. Please find the attached Final Settlement statement.  - Buyer-11/15/2024 Counter-Please provide the Final ALTA settlement statement from the disbursement of the funds. Most likely dated XX/XX/XXXX. - Due Diligence Vendor-11/13/2024 Ready for Review-Document Uploaded. Please find the attached Final Closing Disclosure and Final Settlement statement. if this does not suffice the condition then please let us know what exactly is required.  - Buyer-11/12/2024 Open-Final Closing Disclosure is missing or incomplete XX is dry funding state, PCCD or Final Settlement Statement required. Final Settlement Statement in file is not signed or stamped. - Due Diligence Vendor-10/31/2024

Resolved-Received - Due Diligence Vendor-11/15/2024

XXXXXXXXXX- Final CD.pdf XXXXXXXXXX- Final SS.pdf XXXXXXXXXX - Final Settlement Statement.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2721078

N/A

N/A

XXXX

20250906409

XXXX

XXXX

XXXX

Closed

2024-11-06 18:17

2025-02-07 18:45

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-02/07/2025 Resolved-Recieved - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. Please find the attached econsent.  - Buyer-11/15/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/06/2024

Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-02/07/2025  Resolved-Recieved - Due Diligence Vendor-11/15/2024

XXXXXXXXXX - eConsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2755610

N/A

N/A

XXXX

20250906409

XXXX

XXXX

XXXX

Closed

2024-11-12 13:40

2024-11-15 21:59

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Received - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. Please find the attached Final Settlement statement, Post Close CD and Disclosure Tracking.  - Buyer-11/15/2024 Open-Subject located in dry funding state. Provide post close CD, settlement statement or evidence of no fee changes post-closing.  - Due Diligence Vendor-11/12/2024

Resolved-Received - Due Diligence Vendor-11/15/2024

XXXXXXXXXX - Disclosure Tracking.pdf XXXXXXXXXX - PCCD.pdf XXXXXXXXXX - Final SS.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2789181

N/A

N/A

XXXX

20250906409

XXXX

XXXX

XXXX

Closed

2024-11-06 18:04

2024-11-06 18:04

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2755454

Investor Post-Close

No

XXXX

20250906510

XXXX

XXXX

XXXX

Closed

2024-12-03 12:16

2024-12-18 15:09

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Insurance for REO

Resolved-Documentation received.  - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. PFA documents showing owned by business - Buyer-12/18/2024 Counter-Documentation is required in addition to underwriter commentary. - Due Diligence Vendor-12/13/2024 Ready for Review-UW has mentioned comment for REO property stating HOME IS OWNED BY BUSINESS hence excluded payment and no additional document required. - Buyer-12/13/2024 Open-Missing Evidence of Insurance for property REO 1 on final application. - Due Diligence Vendor-12/03/2024

Resolved-Documentation received.  - Due Diligence Vendor-12/18/2024

Borrower do not own property.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2916407

N/A

N/A

XXXX

20250906510

XXXX

XXXX

XXXX

Closed

2024-12-03 12:15

2024-12-18 15:09

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Property Taxes for REO

Resolved-Documentation received.  - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. PFA documents showing owned by business - Buyer-12/18/2024 Counter-Documentation is required in addition to underwriter commentary. - Due Diligence Vendor-12/13/2024 Ready for Review-UW has mentioned comment for REO property stating HOME IS OWNED BY BUSINESS hence excluded payment and no additional document required. - Buyer-12/13/2024 Open-Evidence of property taxes for property REO 1 on the final application not provided. - Due Diligence Vendor-12/03/2024

Resolved-Documentation received.  - Due Diligence Vendor-12/18/2024

Borrower do not own property.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2916394

N/A

N/A

XXXX

20250906488

XXXX

XXXX

XXXX

Closed

2024-11-11 20:07

2024-11-15 21:21

Resolved

1 - Information

Compliance

TRID

TRID 0% Tolerance Violation

Resolved-Final CD showing lender paid fees received.  - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. I have attached Final CD for your reference. Please note Final CD (including Signed copy) is already sent along with package. Cure is not required as Credit report fee was paid by Lender at closing. Please review it.  - Buyer-11/15/2024 Counter-Final CD in file dated XX/XX/XXXX shows Borrower paid credit report.  - Due Diligence Vendor-11/12/2024 Ready for Review-Credit report fee of $XX.XX is paid by Lender, not Borrower. There would have been cure if Credit report fee is paid by Borrower however in this case, Credit report fee is paid by Lender. There is no cure for 0% tolerance. Cure only result if fee is paid by Borrower. Please review the Final CD which is available in package.  - Buyer-11/12/2024 Open-The Charges originating in Section B are subject to 0% variance.  The Initial LE does not reflect a Credit Report Fee. The lender did not provide a valid COC for the increase, and the final CD section Credit Report Fee as $XX.XX.  The resulting changes resulting in a variance of ($XX.XX).  Provide corrected CD, evidence of refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-11/11/2024

Resolved-Final CD showing lender paid fees received.  - Due Diligence Vendor-11/15/2024

XXXXXXXXXX - Final CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2785049

N/A

N/A

XXXX

20250906488

XXXX

XXXX

XXXX

Closed

2024-11-15 21:15

2024-11-15 21:20

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Resolved - Due Diligence Vendor-11/15/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-11/15/2024

Resolved-Resolved - Due Diligence Vendor-11/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2823655

N/A

N/A

XXXX

20250906488

XXXX

XXXX

XXXX

Closed

2024-11-15 21:15

2024-11-15 21:20

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - Due Diligence Vendor-11/15/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-11/15/2024

Resolved-Resolved - Due Diligence Vendor-11/15/2024

XX

Primary Residence

Refinance

Cash Out - Other

2823656

N/A

N/A

XXXX

20250906488

XXXX

XXXX

XXXX

Closed

2024-10-31 18:49

2024-11-15 21:15

Resolved

1 - Information

Compliance

Fees:Limited

Texas - Maximum Fees Allowed

Resolved-Cleared - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. Yes, CD dated XX/XX/XXXX reflects Borrower paid $XX title property report and $XX.XX credit report however that is not Final CD. I have attached Final CD for your reference. Please note Final CD (including Signed copy) is already sent along with package. All the charges are within Texas guidelines. Please review it.  - Buyer-11/15/2024 Counter-borrower also paid $XX title property report and $XX.XX credit report, as per CD dated XX/XX/XXXX - Due Diligence Vendor-11/12/2024 Ready for Review-XXXXX Constitution prohibits fees (only Borrower paid) from exceeding 2% of the principal balance on a non-purchase money loan. On this loan file, the loan amount is $XX,XXX.XX hence we can charge fee of $X,XXX.XX to Borrower. As per the Final CD, we have only charged Origination fee of $XXX.XXand Recording fee of $XXX.XX to Borrower, total of these fees is $X,XXX.XX. All other fees are paid by Lender. Please review the Final CD, Loan is within the guidelines of Texas state. No corrections are required.  - Buyer-11/12/2024 Open-The XXXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) . - Due Diligence Vendor-10/31/2024

Resolved-Cleared - Due Diligence Vendor-11/15/2024

XXXXXXXXXX - Final CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2723484

N/A

N/A

XXXX

20250906488

XXXX

XXXX

XXXX

Closed

2024-10-31 17:18

2024-11-13 17:40

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-11/13/2024 Ready for Review-Document Uploaded. PFA Disaster report - Buyer-11/13/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/31/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-11/13/2024

PCI report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2722605

N/A

N/A

XXXX

20250906488

XXXX

XXXX

XXXX

Closed

2024-10-31 17:47

2024-10-31 17:47

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/31/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. This finding will be rated a C for S&P. All other agencies will be rated as A - Due Diligence Vendor-10/31/2024

XX

Primary Residence

Refinance

Cash Out - Other

2722879

Investor Post-Close

No

XXXX

20250906495

XXXX

XXXX

XXXX

Closed

2024-11-15 21:43

2024-11-19 18:05

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Transfer taxes was disclosed as $XXX.XX on Initial Loan estimate dated XX/XX/XXXX and total Transfer taxes charged on Final CD is $XXX.XX. There is no tolerance cure for Transfer taxes. Loan estimate does not show bifurcation of Transfer taxes, it only reflects the total amount of Transfer taxes (it includes amount of different types of taxes).  - Buyer-11/19/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance.  Addition of intangible tax on CD is causing discrepancy after receipt of initial LE.. - Due Diligence Vendor-11/15/2024

Resolved-Resolved - Due Diligence Vendor-11/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2823898

N/A

N/A

XXXX

20250906495

XXXX

XXXX

XXXX

Closed

2024-11-15 21:43

2024-11-19 18:05

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - Due Diligence Vendor-11/19/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-11/19/2024 Ready for Review-Transfer taxes was disclosed as $XXX.XX on Initial Loan estimate dated XX/XX/XXXX and total Transfer taxes charged on Final CD is $XXX.XX. There is no tolerance cure for Transfer taxes. Loan estimate does not show bifurcation of Transfer taxes, it only reflects the total amount of Transfer taxes (it includes amount of different types of taxes). Please review the Loan estimate and CD again.  - Buyer-11/19/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Addition of intangible tax on CD is causing discrepancy after receipt of initial LE.. - Due Diligence Vendor-11/15/2024

Resolved-Resolved - Due Diligence Vendor-11/19/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2823899

N/A

N/A

XXXX

20250906495

XXXX

XXXX

XXXX

Closed

2024-11-04 14:05

2024-11-15 21:49

Resolved

1 - Information

Compliance

Missing Doc

Loan Estimate disclosure is missing or incomplete

Resolved-Initial LE received. - Due Diligence Vendor-11/15/2024 Ready for Review-Document Uploaded. Please find the attached Initial Loan Estimate. Please note Initial Loan Estimate (along with other Initial Disclosures) are already included in the package which was sent to XXXX. - Buyer-11/15/2024 Open-Loan Estimate disclosure is missing or incomplete Missing initial Loan Estimate. Additional conditions may apply.   - Due Diligence Vendor-11/04/2024

Resolved-Initial LE received. - Due Diligence Vendor-11/15/2024

XXXXXXXXXX - Loan Estimate.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2734974

N/A

N/A

XXXX

20250906495

XXXX

XXXX

XXXX

Closed

2024-11-04 12:09

2024-11-12 15:19

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2024

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2734199

Investor Post-Close

No

XXXX

20250906495

XXXX

XXXX

XXXX

Closed

2024-11-04 14:07

2024-11-04 14:08

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2024

Acknowledged-Privacy Notice Required - Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2735001

Investor Post-Close

No

XXXX

20250906495

XXXX

XXXX

XXXX

Closed

2024-11-04 14:06

2024-11-04 14:06

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2734980

Investor Post-Close

No

XXXX

20250906496

XXXX

XXXX

XXXX

Closed

2024-11-12 13:53

2025-04-02 20:13

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/02/2025 Acknowledged-Audited FICO of 728 is less than Guideline FICO of 740 Exception received - Due Diligence Vendor-11/14/2024 Open-Audited FICO of 728 is less than Guideline FICO of 740 - Due Diligence Vendor-11/14/2024 Ready for Review-Document Uploaded. PFA Exception form  - Buyer-11/14/2024 Open-Audited FICO of 728 is less than Guideline FICO of 740 740 Fico required for CLTV > 80%  - Due Diligence Vendor-11/12/2024

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/02/2025  Acknowledged-Audited FICO of 728 is less than Guideline FICO of 740 Exception received - Due Diligence Vendor-11/14/2024

XXXXXXXXXX  - Exception Form.pdf

Employment for an extended period at the same job DTI 42.07% / max of 50%

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2789327

Originator Pre-Close

No

XXXX

20250906496

XXXX

XXXX

XXXX

Closed

2024-11-01 18:12

2024-11-14 14:47

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-Audited Loan Amount of $XXXXX is greater than or equal to the Guideline Minimum Loan Amount of $40000 - Due Diligence Vendor-11/13/2024 Ready for Review-Document Uploaded. Loan amount guideline changed no more exception required - we may lower the loan amount due to underwriting discretion - Buyer-11/13/2024 Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $50000 Lender exception required for a loan amount < $XX.XXX - Due Diligence Vendor-11/01/2024

Resolved-Audited Loan Amount of $XXXXX is greater than or equal to the Guideline Minimum Loan Amount of $XXXXX - Due Diligence Vendor-11/13/2024

Loan amount guideline changed.png

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2729973

N/A

N/A

XXXX

20250906496

XXXX

XXXX

XXXX

Closed

2024-11-01 17:49

2024-11-01 17:49

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/01/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2729768

Investor Post-Close

No

XXXX

20250906441

XXXX

XXXX

XXXX

Closed

2024-11-14 13:32

2024-11-26 19:25

Resolved

1 - Information

Compliance

Disclosure

TILA: NORTC Missing for one or more borrowers/vested parties

Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-11/26/2024 Ready for Review-Document Uploaded. Please find the attached Signed copy of NORTC.  - Buyer-11/26/2024 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-11/14/2024

Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-11/26/2024

XXXXXXXXXX- NORTC.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2808198

N/A

N/A

XXXX

20250906441

XXXX

XXXX

XXXX

Closed

2024-11-14 15:05

2024-11-22 19:56

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance

Resolved-Upon further review, the issue has been resolved. Finding cleared. - Due Diligence Vendor-11/22/2024 Resolved-Resolved - Due Diligence Vendor-11/22/2024 Ready for Review-The actual Total of payment is be $XXX,XXX.XX and same was disclosed on CD. Total of payment is sum of Loan amount + Interest charged over loan term (including Prepaid interest) + Total charges Section D (Borrower paid only) = $XX,XXX.XX + $XX,XXX.XX + $X,XXX.XX = $XXX,XXX.XX Prepaid interest is $XXX.XX Charges paid by Borrower under Section D is Origination fee, AVM fee, Credit report, Flood cert fee, Due Diligence report fee, Settlement fee, Verification of employment fee and Property report fee. Please provide your calculation with breakdown of components in case you disagree with my calculation.  - Buyer-11/21/2024 Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (12 CFR 1026.23(h)(2)(ii)) - Due Diligence Vendor-11/14/2024

Resolved-Upon further review, the issue has been resolved. Finding cleared. - Due Diligence Vendor-11/22/2024  Resolved-Resolved - Due Diligence Vendor-11/22/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2809409

N/A

N/A

XXXX

20250906386

XXXX

XXXX

XXXX

Closed

2024-11-14 18:26

2025-04-03 17:22

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/22/2024 Ready for Review-Document Uploaded. PFA credit supplement - Buyer-11/22/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements Guideline Tradeline Requirements, section 4-2-4-7, require all borrowers to meet the following criteria: -all tradelines must be current -two active tradelines with 24-month history -active mortgage with 12 months 0x30 OR 3 years 0x30 mortgage history. The loan file does not contain a mortgage history for the borrower.  - Due Diligence Vendor-11/14/2024

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/22/2024

credit supplement.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2812616

N/A

N/A

XXXX

20250906386

XXXX

XXXX

XXXX

Closed

2024-11-19 20:36

2024-11-22 20:40

Resolved

1 - Information

Credit

Eligibility

Credit history does not meet guidelines

Resolved-Credit supplement showing mortgage history received. - Due Diligence Vendor-11/22/2024 Ready for Review-Document Uploaded. PFA credit supplement - Buyer-11/22/2024 Open-Guideline Tradeline Requirements, section 4-2-4-7, require all borrowers to meet the following criteria: -all tradelines must be current -two active tradelines with 24-month history -active mortgage with 12 months 0x30 OR 3 years 0x30 mortgage history. The loan file does not contain a mortgage history for the borrower.  - Due Diligence Vendor-11/19/2024

Resolved-Credit supplement showing mortgage history received. - Due Diligence Vendor-11/22/2024

credit supplement.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2843534

N/A

N/A

XXXX

20250906380

XXXX

XXXX

XXXX

Closed

2024-11-18 16:40

2025-02-19 20:53

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. PFA REO property free & clear attached documents for payment in DTI - Buyer-11/19/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Evidence of Insurance for property listed in Section 3b on B1 final loan application.  - Due Diligence Vendor-11/18/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/19/2024

Free & Clear property documents.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2831035

N/A

N/A

XXXX

20250906380

XXXX

XXXX

XXXX

Closed

2024-11-18 16:48

2024-11-19 17:41

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Insurance for REO

Resolved-Received.  - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. PFA REO property is free & clear attached documents for same for Payment in DTI - Buyer-11/19/2024 Open-Missing Evidence of Insurance for property listed in Section 3b on B1 final loan application.  - Due Diligence Vendor-11/18/2024

Resolved-Received.  - Due Diligence Vendor-11/19/2024

Free & Clear property documents.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2831151

N/A

N/A

XXXX

20250906475

XXXX

XXXX

XXXX

Closed

2024-12-05 15:21

2024-12-06 17:18

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing

Resolved-Owner's affidavit of compliance received. - Due Diligence Vendor-12/06/2024 Ready for Review-Document Uploaded. Please find the attached proof which confirms Copies of all loan documents received by borrower Please note these documents are already included in the package which was sent to XXXX. - Buyer-12/06/2024 Open-TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing - Due Diligence Vendor-12/05/2024

Resolved-Owner's affidavit of compliance received. - Due Diligence Vendor-12/06/2024

XXXXXXXXXX- Proof of documents received by borrower.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2937524

N/A

N/A

XXXX

20250906512

XXXX

XXXX

XXXX

Closed

2024-11-14 16:12

2024-11-25 17:34

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Received. - Due Diligence Vendor-11/25/2024 Ready for Review-Document Uploaded. Please find the attached econsent.  - Buyer-11/25/2024 Counter-E consent provided is dated after initial e-signatures in file of XX/XX/XXXX - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. Please find the attached econsent. Please note econsent are already included in the package which was sent to XXXX. Disclosure tracking also reflects when Borrowers provided econsent.  - Buyer-11/21/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/14/2024

Resolved-Received. - Due Diligence Vendor-11/25/2024

XXXXXXXXXX - econsent.pdf XXXXXXXXXX - econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2810539

N/A

N/A

XXXX

20250906437

XXXX

XXXX

XXXX

Closed

2024-12-02 20:56

2024-12-18 15:24

Resolved

1 - Information

Property

Appraisal

Valuation product is deficient

Resolved-Guidelines deemed contradictory by lender and updated in future version. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. Guideline was updated which states we will accept under 20 FSD without exception. PFA reference email on same  - Buyer-12/18/2024 Open-Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 13. No exception in file.   - Due Diligence Vendor-12/02/2024

Resolved-Guidelines deemed contradictory by lender and updated in future version. - Due Diligence Vendor-12/18/2024

XXXXXX XXXXXXX XXXX - Appraisal FSD scores _20 clarification.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2910840

N/A

N/A

XXXX

20250906450

XXXX

XXXX

XXXX

Closed

2024-11-27 19:44

2024-12-09 15:36

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-Executed DOT received. - Due Diligence Vendor-12/09/2024 Ready for Review-Document Uploaded. Please find the attached executed copy of Deed of Trust. - Buyer-12/09/2024 Open-The Deed of Trust is Not Executed. - Due Diligence Vendor-11/27/2024

Resolved-Executed DOT received. - Due Diligence Vendor-12/09/2024

XXXXXXXXXX - Signed DOT.pdf

XX

Second Home

Refinance

Cash Out - Other

2898698

N/A

N/A

XXXX

20250906450

XXXX

XXXX

XXXX

Closed

2024-11-27 19:18

2024-12-03 14:34

Acknowledged

2 - Non-Material

Compliance

Missing Doc

South Carolina (SC) Mortgage Broker Fee Agreement Disclosure is missing

Acknowledged-South Carolina Mortgage Broker Fee Agreement Disclosure is missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-11/27/2024

Acknowledged-South Carolina Mortgage Broker Fee Agreement Disclosure is missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-11/27/2024

XX

Second Home

Refinance

Cash Out - Other

2898340

Investor Post-Close

No

XXXX

20250906424

XXXX

XXXX

XXXX

Closed

2024-11-14 15:24

2024-11-25 17:36

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Received - Due Diligence Vendor-11/25/2024 Ready for Review-Document Uploaded. Please find the attached econsent.  - Buyer-11/25/2024 Counter-E consent provided dated XX/XX/XXXX, docs in file e-signed XX/XX/XXXX. - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. Please find the attached econsent. Please note econsent are already included in the package which was sent to XXXX. Disclosure tracking also reflects when Borrowers provided econsent. - Buyer-11/21/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/14/2024

Resolved-Received - Due Diligence Vendor-11/25/2024

XXXXXXXXXX - econsent.pdf XXXXXXXXXX - econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2809670

N/A

N/A

XXXX

20250906424

XXXX

XXXX

XXXX

Closed

2024-11-18 22:14

2024-11-21 20:27

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. Please find the attached Initial CD, it was sent on XX/XX/XXXXand signed by Borrowers on XX/XX/XXXX. Closing date can happen on XX/XX/XXXX. Please note Signed Initial CD are already included in the package which was sent to XXXX. Disclosure tracking also reflects when Borrowers have recieved/signed the Initial Closing Disclosure. - Buyer-11/21/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-11/18/2024

Resolved-Resolved - Due Diligence Vendor-11/21/2024

XXXXXXXXXX - Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2835348

N/A

N/A

XXXX

20250906381

XXXX

XXXX

XXXX

Closed

2024-11-27 18:33

2024-12-09 20:33

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-12/09/2024 Ready for Review-Document Uploaded. PFA Disaster report - Buyer-12/09/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-11/27/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-12/09/2024

Disaster.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2897750

N/A

N/A

XXXX

20250906492

XXXX

XXXX

XXXX

Closed

2024-12-16 16:29

2025-04-04 19:56

Resolved

1 - Information

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Resolved-Finding not valid.  Rescinded.  - Due Diligence Vendor-12/16/2024 Resolved-Audited HLTV of 74.98% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-12/16/2024 Open-Audited HLTV of 75.12% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-12/16/2024

Resolved-Finding not valid.  Rescinded.  - Due Diligence Vendor-12/16/2024  Resolved-Audited HLTV of 74.98% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-12/16/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3012857

N/A

N/A

XXXX

20250906492

XXXX

XXXX

XXXX

Closed

2024-11-19 20:22

2024-11-21 20:32

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. Please find the attached Initial CD, it was sent on XX/XX/XXXX and signed by Borrowers on XX/XX/XXXX. Closing date can happen on XX/XX/XXXX. Please note Signed Initial CD are already included in the package which was sent to XXXX. Disclosure tracking also reflects when Borrowers have recieved/signed the Initial Closing Disclosure. - Buyer-11/21/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-11/19/2024

Resolved-Resolved - Due Diligence Vendor-11/21/2024

XXXXXXXXXX - Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2843416

N/A

N/A

XXXX

20250906492

XXXX

XXXX

XXXX

Closed

2024-11-14 15:24

2024-11-21 20:30

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Received - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. Please find the attached econsent. Please note econsent are already included in the package which was sent to XXXX. Disclosure tracking also reflects when Borrowers provided econsent.  - Buyer-11/21/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/14/2024

Resolved-Received - Due Diligence Vendor-11/21/2024

XXXXXXXXXX - econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2809684

N/A

N/A

XXXX

20250906493

XXXX

XXXX

XXXX

Closed

2024-12-06 20:40

2024-12-06 20:44

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Resolved - Due Diligence Vendor-12/06/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/06/2024

Resolved-Resolved - Due Diligence Vendor-12/06/2024

XX

Primary Residence

Refinance

Cash Out - Other

2953453

N/A

N/A

XXXX

20250906493

XXXX

XXXX

XXXX

Closed

2024-12-06 20:40

2024-12-06 20:44

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - Due Diligence Vendor-12/06/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/06/2024

Resolved-Resolved - Due Diligence Vendor-12/06/2024

XX

Primary Residence

Refinance

Cash Out - Other

2953454

N/A

N/A

XXXX

20250906493

XXXX

XXXX

XXXX

Closed

2024-11-27 15:51

2024-12-06 20:40

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Initial CD received. - Due Diligence Vendor-12/06/2024 Ready for Review-Document Uploaded.  - Buyer-12/06/2024 Ready for Review-Please find the attached Initial CD, it was sent on XX/XX/XXXX and signed by Borrowers on XX/XX/XXXX. Closing can happen on XX/XX/XXXX. - Buyer-12/06/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-11/27/2024

Resolved-Initial CD received. - Due Diligence Vendor-12/06/2024

XXXXXXXXXX - Signed CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2895235

N/A

N/A

XXXX

20250906413

XXXX

XXXX

XXXX

Closed

2024-11-14 13:52

2024-11-25 17:38

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Received. - Due Diligence Vendor-11/25/2024 Ready for Review-Document Uploaded. Please find the attached econsent.  - Buyer-11/25/2024 Counter-E-consent provided was signed by borrower(s) XX/XX/XXXX. Doc in file e-signed XX/XX/XXXX - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. Please find the attached econsent. Please note econsent are already included in the package which was sent to XXXX. Disclosure tracking also reflects when Borrowers provided econsent.  - Buyer-11/21/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/14/2024

Resolved-Received. - Due Diligence Vendor-11/25/2024

XXXXXXXXXX- econsent.pdf XXXXXXXXXX - econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2808403

N/A

N/A

XXXX

20250906518

XXXX

XXXX

XXXX

Closed

2024-12-03 14:58

2024-12-20 20:09

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded. PFA VVOE dated XX/XX/XXXX - Buyer-12/20/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to close document is present but date is missing - Due Diligence Vendor-12/03/2024

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/20/2024

VVOE (1).pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2917726

N/A

N/A

XXXX

20250906398

XXXX

XXXX

XXXX

Closed

2024-12-27 17:38

2025-01-07 16:42

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Lender provided COC for added discount points. Condition cleared. - Due Diligence Vendor-01/07/2025 Resolved-Resolved - Due Diligence Vendor-01/07/2025 Ready for Review-Document Uploaded. The Discount points was added due to rate lock extension. Please refer to COC. - Buyer-01/07/2025 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects a Discount Fee of $X.  Final CD dated XX/XX/XXXX reflects a Discount Fee of $XXX.XX The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $XXX to be provided within 60 days of discovery. - Due Diligence Vendor-12/27/2024

Resolved-Lender provided COC for added discount points. Condition cleared. - Due Diligence Vendor-01/07/2025  Resolved-Resolved - Due Diligence Vendor-01/07/2025

XXXXXXXXXX - COC.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3093912

N/A

N/A

XXXX

20250906398

XXXX

XXXX

XXXX

Closed

2024-12-27 17:38

2025-01-07 16:42

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Lender provided COC for added discount points. Condition cleared. - Due Diligence Vendor-01/07/2025 Resolved-Resolved - Due Diligence Vendor-01/07/2025 Ready for Review-Document Uploaded. The Discount points was added due to rate lock extension. Please refer to COC. - Buyer-01/07/2025 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects a Discount Fee of $X.  Final CD dated XX/XX/XXXX reflects a Discount Fee of $XXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $XXX to be provided within 60 days of discovery. - Due Diligence Vendor-12/27/2024

Resolved-Lender provided COC for added discount points. Condition cleared. - Due Diligence Vendor-01/07/2025  Resolved-Resolved - Due Diligence Vendor-01/07/2025

XXXXXXXXXX - COC.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3093911

N/A

N/A

XXXX

20250906433

XXXX

XXXX

XXXX

Closed

2024-11-18 19:04

2024-11-19 17:35

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. Please find the attached Initial CD, it was sent on XX/XX/XXXX and signed by Borrowers on XX/XX/XXXX. - Buyer-11/19/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-11/18/2024

Resolved-Resolved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX - Signed Initial CD.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2833049

N/A

N/A

XXXX

20250906433

XXXX

XXXX

XXXX

Closed

2024-11-14 14:05

2024-11-19 17:34

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Recieved - Due Diligence Vendor-11/19/2024 Ready for Review-Document Uploaded. Please find the attached econsent.  - Buyer-11/19/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/14/2024

Resolved-Recieved - Due Diligence Vendor-11/19/2024

XXXXXXXXXX - eConsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2808589

N/A

N/A

XXXX

20250906504

XXXX

XXXX

XXXX

Closed

2024-12-10 18:44

2025-04-03 11:49

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/03/2025 Waived-Exception with valid comp factors received.  - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded. PFA revised exception form - Buyer-12/19/2024 Open-Borrower 1 Gap Credit Report is Missing Lender guidelines state credit LQI is required if credit report exceeds 45 days from note date. Despite this requirement, credit report provided is greater than 45 days from note date.  Lender provided approved exception dated prior to consummation; however, all lender compensating factors have not been documented and validated. The exception reflects the mortgage history as 0x30 for 36 months reviewed. Credit supplement dated XX/XX/XXXX reflects a 1x30 in XX/XXXX which is 29 months prior to the note date.  - Due Diligence Vendor-12/10/2024

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/03/2025  Waived-Exception with valid comp factors received.  - Due Diligence Vendor-12/19/2024

Exception Form_XXXXXX.pdf

1. CLTV<5% below the maximum Qualifying. 2. DTI<5% below the maximum Qualifying 3.Credit Score>/= 10+ Points more than qualifying 4. No derogatory events

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2974078

Originator Pre-Close

No

XXXX

20250906399

XXXX

XXXX

XXXX

Closed

2024-11-27 20:25

2024-12-18 15:25

Resolved

1 - Information

Property

Appraisal

Valuation product is deficient

Resolved-Guidelines deemed contradictory by lender and updated in future version. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. Guideline was updated which states we will accept under 20 FSD without exception. PFA reference email on same  - Buyer-12/18/2024 Open-Guidelines require High Confidence FSD AVMs equal to or below 12.5 to determine the subject property value. The AVM used to determine the subject property value has a FSD score of 19. No exception in file.  - Due Diligence Vendor-11/27/2024

Resolved-Guidelines deemed contradictory by lender and updated in future version. - Due Diligence Vendor-12/18/2024

XXXXXX XXXXXXX XXXX - Appraisal FSD scores _20 clarification.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2899239

N/A

N/A

XXXX

20250906476

XXXX

XXXX

XXXX

Closed

2024-11-27 18:20

2024-12-06 16:56

Resolved

1 - Information

Compliance

TRID

TRID disclosure(s) for Borrower electronically dated prior to E-Consent

Resolved-revised e-consent received.  - Due Diligence Vendor-12/06/2024 Ready for Review-Document Uploaded. Please find the attached econsent.  - Buyer-12/06/2024 Open-TRID disclosure(s) signed XX/XX/XXXX is prior to E-Consent from Borrower dated XX/XX/XXXX. - Due Diligence Vendor-11/27/2024

Resolved-revised e-consent received.  - Due Diligence Vendor-12/06/2024

XXXXXXXXXX - econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2897550

N/A

N/A

XXXX

20250906471

XXXX

XXXX

XXXX

Closed

2024-12-02 19:52

2024-12-18 15:31

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Credit Report is Missing

Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. PFA Credit report  - Buyer-12/18/2024 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-12/02/2024

Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-12/18/2024

XXXXXXX CR.pdf XXXXXXX CR.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2910033

N/A

N/A

XXXX

20250906517

XXXX

XXXX

XXXX

Closed

2024-11-19 21:13

2024-11-21 20:40

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Received. - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. Please find the attached econsent.  - Buyer-11/21/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrowers. - Due Diligence Vendor-11/19/2024

Resolved-Received. - Due Diligence Vendor-11/21/2024

XXXXXXXXXX - econsent.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2843859

N/A

N/A

XXXX

20250906517

XXXX

XXXX

XXXX

Closed

2024-11-19 21:29

2024-11-21 20:40

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Resolved - Due Diligence Vendor-11/21/2024 Ready for Review-Document Uploaded. Please find the attached Initial CD, it was sent on XX/XX/XXXX and signed by Borrowers on XX/XX/XXXX. Closing can happen on XX/XX/XXXX. Please note Signed Initial CD are already included in the package which was sent to XXXX. Disclosure tracking also reflects when Borrowers have recieved/signed the Initial Closing Disclosure. - Buyer-11/21/2024 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-11/19/2024

Resolved-Resolved - Due Diligence Vendor-11/21/2024

XXXXXXXXXX - Signed CD.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2843992

N/A

N/A

XXXX

20250906485

XXXX

XXXX

XXXX

Closed

2024-12-02 18:13

2025-02-19 20:57

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/09/2024 Ready for Review-Document Uploaded. PFA Income documents - Buyer-12/09/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements  Missing proof of receipt for 6 months XXXXX XXXXXXX, as required by guidelines, section 4-2-16-13a. - Due Diligence Vendor-12/02/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/09/2024

Income - XXXXXXX-XXXXX XXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2908577

N/A

N/A

XXXX

20250906485

XXXX

XXXX

XXXX

Closed

2024-11-27 18:30

2024-12-09 21:14

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-Loan amount can be lowered by UW discretion. - Due Diligence Vendor-12/09/2024 Ready for Review-Document Uploaded. Please ignore the exception form as per New guideline changes PFA  - Please refer 4-4-1 - Loan amount - Button Finance will not accept initial applications from broker and correspondent partners below $XX,XXX.XX. However, we may lower the loan amount due to underwriting discretion. **UW may change due to CLTV / DTI issue underwriting discretion** - From now we do not need exception form for loan amount below $XX,XXX.XX. - Buyer-12/09/2024 Open-Audited Loan Amount of $XX,XXX.XX is less than the Guideline Minimum Loan Amount of $50000 Lender guideline state minimum loan amount is $50,000. Despite this requirement, current loan amount is $XX,XXX.XX. The Lender provided approved exception dated prior to origination. However, all approval and/or compensating factors were not valid. Exception approved with CLTV 82.01%, but the CLTV was 83.22% and the Credit Score was not > or = to 10+ points more than qualifying. The qualifying score was 740 and the required credit score for 85% was 740.  - Due Diligence Vendor-11/27/2024

Resolved-Loan amount can be lowered by UW discretion. - Due Diligence Vendor-12/09/2024

Loan amount guideline.png

1.DTI <5% below max qualifying. 2.Employment of an extended period same job 3.Credit Score >+10+ points more than qualifying 4.Minimal Debts/Revolving Accounts

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2897717

N/A

N/A

XXXX

20250906485

XXXX

XXXX

XXXX

Closed

2024-12-02 18:33

2024-12-09 21:13

Resolved

1 - Information

Credit

Missing Doc

Missing XXXXXXX/XXXXX XXXXXXX Documentation

Resolved-6 months bank statements received. - Due Diligence Vendor-12/09/2024 Ready for Review-Document Uploaded. PFA Income documents - Buyer-12/09/2024 Open-Missing verification of the amount of XXXXXXX/XXXXX XXXXXXX. Missing proof of receipt for 6 months XXXXX XXXXXXX, as required by guidelines, section 4-2-16-13a. - Due Diligence Vendor-12/02/2024

Resolved-6 months bank statements received. - Due Diligence Vendor-12/09/2024

Income - XXXXXXX-XXXXX XXXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2908867

N/A

N/A

XXXX

20250906401

XXXX

XXXX

XXXX

Closed

2024-11-27 19:36

2025-04-03 11:51

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/03/2025 Waived-Exception with comp factors received.  - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. PFA exception form - Buyer-12/18/2024 Open-Audited DTI of 49.94% exceeds Guideline DTI of 45% DTI for CLTV > 75% and FICO<760 is Max 45%  - Due Diligence Vendor-11/27/2024

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/03/2025  Waived-Exception with comp factors received.  - Due Diligence Vendor-12/18/2024

Exception form.pdf

Employment of 5 years on the same job 36+ months of 0x30 housing payment history

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2898600

Originator Pre-Close

No

XXXX

20250906464

XXXX

XXXX

XXXX

Closed

2024-11-27 15:45

2024-12-09 20:35

Resolved

1 - Information

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Resolved-GLs specify loan amount can be lowered at UW discretion.  - Due Diligence Vendor-12/09/2024 Ready for Review-Document Uploaded. Please refer 4-4-1 - Loan amount - Button Finance will not accept initial applications from broker and correspondent partners below $XX,XXX.XX. However, we may lower the loan amount due to underwriting discretion. **UW may change due to CLTV / DTI issue underwriting discretion** - Buyer-12/09/2024 Open-Audited Loan Amount of $XX,XXX.XX is less than the Guideline Minimum Loan Amount of $50000 - Due Diligence Vendor-11/27/2024

Resolved-GLs specify loan amount can be lowered at UW discretion.  - Due Diligence Vendor-12/09/2024

Loan amount guideline.png

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2895160

N/A

N/A

XXXX

20250906393

XXXX

XXXX

XXXX

Closed

2024-11-27 15:55

2025-04-03 12:13

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/03/2025 Waived-Exception with comp factor received.  - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. PFA exception form - Buyer-12/18/2024 Open-Audited DTI of 47.52% exceeds Guideline DTI of 45% 47.52% DTI > 45% Max allowed DTI for over 75% CLTV.  - Due Diligence Vendor-11/27/2024

Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B.  - Due Diligence Vendor-04/03/2025  Waived-Exception with comp factor received.  - Due Diligence Vendor-12/18/2024

Exception form.pdf

36+ months 0x30 housing history Employment of 5 years in industry

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2895289

Originator Pre-Close

No

XXXX

20250906400

XXXX

XXXX

XXXX

Closed

2024-12-17 17:17

2024-12-27 15:40

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Resolved - Due Diligence Vendor-12/27/2024 Ready for Review-Actaul cure should be $XX.XX which is already provided on CD. Settlement fee of $XXX.XX which falls under 10% tolerance charge was disclosed on Loan estimate. On CD, there are Settlement fee $XXX.XX, Recording fee $XXX.XX and Property report fee $XX.XX which falls under 10% tolerance charges. LE charges: $XXX 10% limit will be $XXX.XX CD charges : $XXX + $XXX + $XX = XXX Cure required = $XXX - $XXX = $XX.XX - Buyer-12/26/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/17/2024

Resolved-Resolved - Due Diligence Vendor-12/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

3023771

N/A

N/A

XXXX

20250906400

XXXX

XXXX

XXXX

Closed

2024-12-17 17:17

2024-12-27 15:40

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - Due Diligence Vendor-12/27/2024 Ready for Review-Actaul cure should be $XX.XX which is already provided on CD. Settlement fee of $XXX.XX which falls under 10% tolerance charge was disclosed on Loan estimate. On CD, there are Settlement fee $XXX.XX, Recording fee $XXX.XX and Property report fee $XX.XX which falls under 10% tolerance charges. LE charges: $XXX 10% limit will be $XXX.XX CD charges : $XXX + $XXX + $XX =XXX Cure required = $XXX - $XXX = $XX.XX - Buyer-12/26/2024 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/17/2024

Resolved-Resolved - Due Diligence Vendor-12/27/2024

XX

Primary Residence

Refinance

Cash Out - Other

3023772

N/A

N/A

XXXX

20250906400

XXXX

XXXX

XXXX

Closed

2024-12-11 11:59

2024-12-17 17:25

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Initial CD received.  - Due Diligence Vendor-12/17/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded. Please find the attached Initial CD, it was sent on XX/XX/XXXX and signed by Borrowers on XX/XX/XXXX. Closing can happen on XX/XX/XXXX.  - Buyer-12/16/2024 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply.  - Due Diligence Vendor-12/11/2024

Resolved-Initial CD received.  - Due Diligence Vendor-12/17/2024

CD.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2979001

N/A

N/A

XXXX

20250906400

XXXX

XXXX

XXXX

Closed

2024-12-11 14:45

2024-12-12 18:22

Waived

2 - Non-Material

Property

Third Party Valuation

AVM Fitch vendor is not a Fitch reviewed provider

Waived-AVM provided by XXX XXXXXXX AVM who is not a Fitch reviewed provider.  A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-12/11/2024

Waived-AVM provided by ICE Express AVM who is not a Fitch reviewed provider.  A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-12/11/2024

1. CLTV <5% below the Maximum Qualifying. 2. DTI <5% below the Maximum Qualifying. 3.36+ Months 0x30 housing payment history 4.No derogatory events

XX

Primary Residence

Refinance

Cash Out - Other

2980304

Originator Pre-Close

Yes

XXXX

20250906505

XXXX

XXXX

XXXX

Closed

2024-12-04 19:49

2025-02-19 20:59

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. PFA tax transcript - No records of returns - As borrower age is 70+ and only earns Social security income - Generally, if Social Security benefits only income, benefits are not taxable and borrower do not need to file a federal income tax return. - Buyer-12/13/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The entire social security benefit for Borrower 1 and Borrower 2 were grossed up 25%. File is missing documentation that none of the benefit amount was taxable (per XXXXXX XXX guidelines only 15% of the benefit can be grossed up without documentation of the amount of the benefit that is taxable). - Due Diligence Vendor-12/04/2024

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/13/2024

tax transcript - No records of returns.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2931463

N/A

N/A

XXXX

20250906505

XXXX

XXXX

XXXX

Closed

2024-12-04 19:52

2024-12-30 20:21

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-document received. - Due Diligence Vendor-12/30/2024 Ready for Review-Document Uploaded. Attached again. - Buyer-12/30/2024 Counter-document is NORTC, not PCCD. - Due Diligence Vendor-12/09/2024 Ready for Review-Document Uploaded. Please find the attached the Post Closing CD and Final SS. Fees and cash to close is matching on both. - Buyer-12/06/2024 Open-Loan closed in a Dry Funding state. File does not contain a Closing Disclosure issued post-closing or a Final Settlement Statement with figures matching to the Closing Disclosure signed at closing. Missing a Closing Disclosure with final figures.  - Due Diligence Vendor-12/04/2024

Resolved-document received. - Due Diligence Vendor-12/30/2024

XXXXXXXXXX - PCCD.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2931481

N/A

N/A

XXXX

20250906505

XXXX

XXXX

XXXX

Closed

2024-12-30 20:13

2024-12-30 20:19

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Resolved - Due Diligence Vendor-12/30/2024 Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1)   - Due Diligence Vendor-12/30/2024

Resolved-Resolved - Due Diligence Vendor-12/30/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3106117

N/A

N/A

XXXX

20250906505

XXXX

XXXX

XXXX

Closed

2024-12-04 19:57

2024-12-13 21:04

Resolved

1 - Information

Credit

Missing Doc

Missing Proof of Other Income - Pension, Retirement, Disability (Borrower)

Resolved-Award letters indicate no taxes. - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. PFA tax transcript - No records of returns - As borrower age is 70+ and only earns Social security income - Generally, if Social Security benefits only income, benefits are not taxable and borrower do not need to file a federal income tax return. - Buyer-12/13/2024 Open-There is no verification of the other income used to qualify.   There should be an award letter/pension letter or current 1099 for Borrower1's other retirement, pension, disability type of income in file. Borrower 1's entire social security benefit was grossed up 25%. File is missing documentation that none of the benefit amount was taxable (per XXXXXX XXX guidelines only 15% of the benefit can be grossed up without documentation of the amount of the benefit that is taxable). - Due Diligence Vendor-12/04/2024

Resolved-Award letters indicate no taxes. - Due Diligence Vendor-12/13/2024

tax transcript - No records of returns.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2931575

N/A

N/A

XXXX

20250906505

XXXX

XXXX

XXXX

Closed

2024-12-04 19:58

2024-12-13 21:04

Resolved

1 - Information

Credit

Missing Doc

Missing Proof of Other Income - Retirement, Pension, Disability (Borrower 2)

Resolved-Award letters indicate no taxes. - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. PFA tax transcript - No records of returns - As borrower age is 70+ and only earns Social security income - Generally, if Social Security benefits only income, benefits are not taxable and borrower do not need to file a federal income tax return. - Buyer-12/13/2024 Open-There is no verification of the other income used to qualify.   There should be an award letter/pension letter or current 1099 for Borrower 2's other Retirement,Pension, or Disability income in file. Borrower 2's entire social security benefit was grossed up 25%. File is missing documentation that none of the benefit amount was taxable (per XXXXXX XXX guidelines only 15% of the benefit can be grossed up without documentation of the amount of the benefit that is taxable). - Due Diligence Vendor-12/04/2024

Resolved-Award letters indicate no taxes. - Due Diligence Vendor-12/13/2024

tax transcript - No records of returns.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2931601

N/A

N/A

XXXX

20250906489

XXXX

XXXX

XXXX

Closed

2024-12-18 16:05

2024-12-26 21:29

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/26/2024 Ready for Review-Document Uploaded. PFA Credit report for Borrower 1 - Buyer-12/26/2024 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-12/18/2024

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/26/2024

CRedit Report.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3032589

N/A

N/A

XXXX

20250906446

XXXX

XXXX

XXXX

Closed

2024-12-03 14:25

2024-12-06 17:34

Resolved

1 - Information

Compliance

Disclosure

TILA: NORTC Missing for one or more borrowers/vested parties

Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-12/06/2024 Ready for Review-Document Uploaded. Please find the attached signed NORTC.  - Buyer-12/06/2024 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-12/03/2024

Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-12/06/2024

XXXXXXXXXX - NORTC.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2917327

N/A

N/A

XXXX

20250906459

XXXX

XXXX

XXXX

Closed

2024-11-27 17:10

2024-12-02 22:21

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete Missing Privacy Notice for Lender. This finding is deemed non-material and will be rated a B for all agencies  - Due Diligence Vendor-11/27/2024

Acknowledged-Privacy Notice Required - Missing or Incomplete Missing Privacy Notice for Lender. This finding is deemed non-material and will be rated a B for all agencies  - Due Diligence Vendor-11/27/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2896613

Originator Post-Close

No

XXXX

20250906435

XXXX

XXXX

XXXX

Closed

2024-12-03 19:42

2024-12-06 17:32

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Lock LE received. - Due Diligence Vendor-12/06/2024 Ready for Review-Document Uploaded. Please find the attached re-disclosure packages dated XX/XX/XXXX. it also include revised LE dated XX/XX/XXXX. Please note re-disclosure package was already included in the package which was sent to XXXX. - Buyer-12/06/2024 Open-Missing copy of Revised Loan Estimate sent on XX/XX/XXXX per Disclosure Tracking Summary document. - Due Diligence Vendor-12/04/2024

Resolved-Lock LE received. - Due Diligence Vendor-12/06/2024

XXXXXXXXXX- Re-disclosure package.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2922078

N/A

N/A

XXXX

20250906435

XXXX

XXXX

XXXX

Closed

2024-12-06 17:31

2024-12-06 17:32

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - Due Diligence Vendor-12/06/2024 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX.XX). The Last CD shows a total lender credit amount of ($XX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-12/06/2024

Resolved-Resolved - Due Diligence Vendor-12/06/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2950822

N/A

N/A

XXXX

20250906435

XXXX

XXXX

XXXX

Closed

2024-12-06 17:31

2024-12-06 17:32

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Resolved-Resolved - Due Diligence Vendor-12/06/2024 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX.XX). The actual total fee amount shows a credit amount of ($XX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-12/06/2024

Resolved-Resolved - Due Diligence Vendor-12/06/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2950823

N/A

N/A

XXXX

20250906368

XXXX

XXXX

XXXX

Closed

2024-12-12 15:26

2024-12-18 15:46

Resolved

1 - Information

Credit

Missing Doc

Missing 3rd Party Verbal Verification of Employment (Borrower)

Resolved-VVOE is valid - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. VVOE falls within 10 business days. VVOE dated XX/XX/XXXX expires n XX/XX/XXXX https://www.timeanddate.com/date/weekdayadd.html?d1=14&m1=11&y1=2024& - Buyer-12/18/2024 Open-Missing 3rd Party Verbal Verification of Employment dated within 10 business days of Note date, per guidelines. The Verification of Employment in file is dated 11 business days from Note date. Provide update VVOE for borrower's wage job or verification lender was closed the day after Thanksgiving (XX/XX/XXXX). Additional conditions may apply. - Due Diligence Vendor-12/12/2024

Resolved-VVOE is valid - Due Diligence Vendor-12/18/2024

XX/XX/XXXX  VVOE expires on XX/XX/XXXX.png

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2991209

N/A

N/A

XXXX

20250906383

XXXX

XXXX

XXXX

Closed

2024-12-04 11:01

2024-12-18 15:13

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Loan agreement received.  - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded. PFA LOE & Loan agreement - Buyer-12/18/2024 Open-Missing evidence of payment details for installment loan disclosed on the final application that does not appear on the credit report. - Due Diligence Vendor-12/04/2024

Resolved-Loan agreement received.  - Due Diligence Vendor-12/18/2024

Loan agreement.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

2925708

N/A

N/A

XXXX

20250906391

XXXX

XXXX

XXXX

Closed

2024-12-02 12:18

2024-12-09 20:28

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/09/2024 Ready for Review-Two active tradelines with 24 month history requirement in file is present which include 1 Mortgage acct & 1 Revolving acct. Two tradelines guideline Met.  - Buyer-12/09/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements Only one active tradeline with 24-month history. Two months required per lender guidelines.  - Due Diligence Vendor-12/02/2024

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-12/09/2024

XX

Second Home

Refinance

Cash Out - Other

2904651

N/A

N/A

XXXX

20250906469

XXXX

XXXX

XXXX

Closed

2024-12-11 18:02

2024-12-13 21:07

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-12/13/2024 Ready for Review-Disaster report attached - Buyer-12/13/2024 Ready for Review-Document Uploaded. PFA disaster report - Buyer-12/13/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-12/11/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-12/13/2024

Disaster report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2983522

N/A

N/A

XXXX

20250906469

XXXX

XXXX

XXXX

Closed

2024-12-11 16:42

2024-12-13 21:07

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/13/2024 Ready for Review-Document Uploaded. PFA current HOI policy - Buyer-12/13/2024 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-12/11/2024

Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/13/2024

Current policy till closing.pdf

XX

Primary Residence

Refinance

Cash Out - Other

2982261

N/A

N/A

XXXX

20250906462

XXXX

XXXX

XXXX

Closed

2024-12-18 19:29

2025-02-19 21:00

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/26/2024 Ready for Review-Document Uploaded. PFA required docs - Buyer-12/26/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of balance and payment for the 2nd lien on property listed in Section 3d on final loan application. Additional conditions may apply upon receipt. - Due Diligence Vendor-12/18/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/26/2024

CD & Note.pdf

XX

Investment

Refinance

Cash Out - Other

3036021

N/A

N/A

XXXX

20250906462

XXXX

XXXX

XXXX

Closed

2024-12-19 18:14

2024-12-26 21:34

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Proof of payment received.  - Due Diligence Vendor-12/26/2024 Ready for Review-Document Uploaded. PFA payment documents of 2nd lien - Buyer-12/26/2024 Open-Missing evidence of balance and payment for the 2nd lien on property listed in Section 3d on final loan application. Additional conditions may apply upon receipt. - Due Diligence Vendor-12/19/2024

Resolved-Proof of payment received.  - Due Diligence Vendor-12/26/2024

CD & Note.pdf

XX

Investment

Refinance

Cash Out - Other

3046190

N/A

N/A

XXXX

20250906497

XXXX

XXXX

XXXX

Closed

2024-12-20 10:09

2024-12-20 19:18

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $50000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/20/2024

Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXX Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/20/2024

1. Employment of 5 years on the same job 2.FICO 10 points above requirement 3.36+ Months 0x30 housing payment history

XX

Investment

Refinance

Cash Out - Other

3051982

Investor Post-Close

No

XXXX

20250906490

XXXX

XXXX

XXXX

Closed

2024-12-18 17:34

2025-04-03 19:45

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/03/2025 Resolved-credit report provided.  - Due Diligence Vendor-12/31/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-12/31/2024 Ready for Review-Document Uploaded. PFA correct borrower credit report - Buyer-12/28/2024 Counter-Document is not for borrower(s) - Due Diligence Vendor-12/27/2024 Ready for Review-Document Uploaded. Please find the attached Credit Report. - Buyer-12/27/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit Report is Missing. - Due Diligence Vendor-12/18/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/03/2025  Resolved-credit report provided.  - Due Diligence Vendor-12/31/2024

Credit Report.pdf Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

3034028

N/A

N/A

XXXX

20250906490

XXXX

XXXX

XXXX

Closed

2024-12-18 17:40

2025-04-03 19:45

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-04/03/2025 Resolved-credit report provided - Due Diligence Vendor-12/31/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-12/31/2024 Ready for Review-Document Uploaded. PFA correct borrower credit report - Buyer-12/28/2024 Counter-Document is not for the borrower(s) - Due Diligence Vendor-12/27/2024 Ready for Review-Document Uploaded. Please find the attached Credit Report. - Buyer-12/27/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements Credit Report is Missing. - Due Diligence Vendor-12/18/2024

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-04/03/2025  Resolved-credit report provided - Due Diligence Vendor-12/31/2024

Credit Report.pdf Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

3034160

N/A

N/A

XXXX

20250906490

XXXX

XXXX

XXXX

Closed

2024-12-18 18:45

2024-12-31 13:40

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/31/2024 Ready for Review-Document Uploaded. PFA correct flood insurance for subject property - Buyer-12/28/2024 Counter-Flood cert is not for the subject property. - Due Diligence Vendor-12/27/2024 Ready for Review-Document Uploaded. Property is not in flood zone. Please find attached flood cert. - Buyer-12/27/2024 Open-Missing Flood Insurance Policy - Due Diligence Vendor-12/18/2024

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/31/2024

Flood Cert.pdf Flood Ins.pdf

XX

Primary Residence

Refinance

Cash Out - Other

3035309

N/A

N/A

XXXX

20250906490

XXXX

XXXX

XXXX

Closed

2024-12-18 17:34

2024-12-31 13:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/31/2024 Ready for Review-Document Uploaded. PFA correct borrower credit report - Buyer-12/28/2024 Counter-Document is not for borrower. - Due Diligence Vendor-12/27/2024 Ready for Review-Document Uploaded. Please find the attached Credit Report for borrower 1. - Buyer-12/27/2024 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-12/18/2024

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/31/2024

Credit Report.pdf Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

3034026

N/A

N/A

XXXX

20250906490

XXXX

XXXX

XXXX

Closed

2024-12-18 17:34

2024-12-31 13:33

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Credit Report is Missing

Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-12/31/2024 Ready for Review-Document Uploaded. PFA correct borrower credit report - Buyer-12/28/2024 Counter-Document is not for borrower - Due Diligence Vendor-12/27/2024 Ready for Review-Document Uploaded. Please find attached Credit Report for borrower 2 - Buyer-12/27/2024 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-12/18/2024

Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-12/31/2024

Credit Report.pdf Credit report.pdf

XX

Primary Residence

Refinance

Cash Out - Other

3034027

N/A

N/A

XXXX

20250906444

XXXX

XXXX

XXXX

Closed

2024-12-24 13:32

2024-12-27 19:51

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Missing Notice of Servicing Transfer

Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2024

Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/24/2024

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3074793

Investor Post-Close

No

XXXX

20250906404

XXXX

XXXX

XXXX

Closed

2024-12-24 14:50

2025-01-08 14:37

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/08/2025 Ready for Review-Document Uploaded. On page 10 its there for all 3 borrowers - Buyer-01/08/2025 Counter-Please provide XXXXX XXXXXXs for all 3 borrowers.  Only 1 report was submitted.  Thank you. - Due Diligence Vendor-01/07/2025 Ready for Review-Document Uploaded. PFA Fraud guard - Buyer-01/06/2025 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-12/24/2024

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/08/2025

XXXXX XXXXXX.pdf XXXXX XXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3075538

N/A

N/A

XXXX

20250906404

XXXX

XXXX

XXXX

Closed

2024-12-24 14:50

2025-01-08 14:37

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/08/2025 Ready for Review-Document Uploaded. On page 10 its there for all 3 borrowers - Buyer-01/08/2025 Counter-Please provide XXXXX XXXXXXs for all 3 borrowers.  Only 1 report was submitted.  Thank you. - Due Diligence Vendor-01/07/2025 Ready for Review-Document Uploaded. PFA Fraud guard - Buyer-01/06/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/24/2024

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/08/2025

XXXXX XXXXXX.pdf XXXXX XXXXXX.pdf

XX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3075539

N/A

N/A

XXXX

20250906384

XXXX

XXXX

XXXX

Closed

2024-12-18 13:54

2025-01-07 16:06

Resolved

1 - Information

Compliance

Disclosure

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing

Resolved-Missing disclosure provided.  Finding resolved.  - Due Diligence Vendor-01/07/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/07/2025 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing Provide disclosure signed by both the borrower and the lender. - Due Diligence Vendor-12/19/2024

Resolved-Missing disclosure provided.  Finding resolved.  - Due Diligence Vendor-01/07/2025

XXXXXXXXXX - Acknowledgment of Fair Market Value.pdf

XX

Primary Residence

Refinance

Cash Out - Other

3030763

N/A

N/A