Exhibit 99.38
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? |
| 2023010667 | C | B | B | B | C | A | A | A | Closed | FCOM4765 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TILA | CD: Liability After Foreclosure Not Complete | Resolved-CD: Liability After Foreclosure Complete - Due Diligence Vendor-XX/XX/XXX Open-CD: Liability After Foreclosure Not Complete - Due Diligence Vendor-XX/XX/XXX |
Resolved-CD: Liability After Foreclosure Complete - Due Diligence Vendor-XX/XX/XXX |
Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A | |||||
| 2023010667 | C | B | B | B | C | A | A | A | Closed | FCOM2660 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TILA | CD: Refinance Statement Not Present | Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX Open-CD: Refinance Statement Not Present - Due Diligence Vendor-XX/XX/XXX |
Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX |
Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A | |||||
| 2023010667 | C | B | B | B | C | A | A | A | Closed | FCOM2340 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TILA | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX Open-CD: General Form Requirements Not Met - Due Diligence Vendor-XX/XX/XXX |
Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX |
Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A | |||||
| 2023010667 | C | B | B | B | C | A | A | A | Closed | FCRE1440 | XXX | XXX | Acknowledged | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Housing History Does Not Meet Guideline Requirements Client provided guideline exception allowing for housing history not meeting guidelines. - Due Diligence Vendor-XX/XX/XXX Acknowledged-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXX |
Acknowledged-Housing History Does Not Meet Guideline Requirements Client provided guideline exception allowing for housing history not meeting guidelines. - Due Diligence Vendor-XX/XX/XXX Acknowledged-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXX |
Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points | EXPERIENCED INVESTOR / FICO IS XXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A | ||||
| 2023010666 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010660 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||||||||||||
| 2023010668 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010659 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||||||||||||
| 2023010658 | C | A | A | A | C | A | A | A | Closed | finding-3732 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-This loan failed the TRID total of payments test. ( XX CFR §XXX.XX(o)(X) )The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXX Ready for Review-when loan amount changes, there is a coc done that also effects brokers compensation when it is based on a percentage of the loan amount. - Seller-XX/XX/XXX Counter-Received confirmation that Saturdays are not considered business days, received COC, and PCCD. However this still has not resolved the condition. It appears that CE is still failing due to Total of Payments amount appears to be the same on Final CD and PCCD. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Please see uploaded file for the comment - Seller-XX/XX/XXX Counter-The $XXX is from the Originator Compensation increase from $XXX to $XXX on X/XX/XXX. Received confirmation that XXX is considered a business day. COC event is X/XX/XXX and revised LE was issued X/XX/XXX. The third business day from X/XX/XXX is X/XX/XXX which includes Saturday X/XX/XXX. Compliance Ease is not accepting the COC due to the LE being issued after X business days. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. this figure is calculated correctly, check all fees and we have what is apr marked. uploaded post closing cd issued. - Seller-XX/XX/XXX Open-This loan failed the TRID total of payments test. ( XX CFR §XXX.XX(o)(X) )The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. Lenders total payments calculations appear to include a $XXX lender credit that was not shown on the final cd. Please see lenders CE report pg.XXX - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-when loan amount changes, there is a coc done that also effects brokers compensation when it is based on a percentage of the loan amount. - Seller-XX/XX/XXX Ready for Review-Document Uploaded. Please see uploaded file for the comment - Seller-XX/XX/XXX Ready for Review-Document Uploaded. this figure is calculated correctly, check all fees and we have what is apr marked. uploaded post closing cd issued. - Seller-XX/XX/XXX |
Resolved-This loan failed the TRID total of payments test. ( XX CFR §XXX.XX(o)(X) )The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXX |
Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |
BinderX.pdf RE_ XXX XX - Post Closing Condition.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010658 | C | A | A | A | C | A | A | A | Closed | finding-3529 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. ***Received COC XX/XX/XXX - Due Diligence Vendor-XX/XX/XXX Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. coc dated X-XX - Seller-XX/XX/XXX Counter-Received confirmation that XXX is considered a business day. COC event is X/XX/XXX and revised LE issued X/XX/XXX, this more than X business days from the COC event date. - Due Diligence Vendor-XX/XX/XXX Ready for Review-we count Saturday as a business day and can be counted - Seller-XX/XX/XXX Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. COC document dated X/XX/XX shows COC event of X/XX, more than X business days from event to disclosure. Lender to confirm if Saturday X/XX is a business day - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. coc dated X-XX - Seller-XX/XX/XXX Ready for Review-we count Saturday as a business day and can be counted - Seller-XX/XX/XXX |
Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. ***Received COC XX/XX/XXX - Due Diligence Vendor-XX/XX/XXX Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-XX/XX/XXX |
Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |
CHANGE OF CIRCUMSTANCE (X).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010658 | C | A | A | A | C | A | A | A | Closed | finding-3631 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXX Counter-The $XXX is from the Originator Compensation increase from $XXX to $XXX on X/XX/XXX. Received confirmation that XXX is considered a business day. COC event is X/XX/XXX and revised LE was issued X/XX/XXX. The third business day from X/XX/XXX is X/XX/XXX which includes Saturday X/XX/XXX. Compliance Ease is not accepting the COC due to the LE being issued after X business days. - Due Diligence Vendor-XX/XX/XXX Ready for Review-WHAT FEE IS THIS FOR? - Seller-XX/XX/XXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-WHAT FEE IS THIS FOR? - Seller-XX/XX/XXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXX |
Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010658 | C | A | A | A | C | A | A | A | Closed | finding-3632 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXX Counter-The $XXX is from the Originator Compensation increase from $XXX to $XXX on X/XX/XXX. Received confirmation that XXX is considered a business day. COC event is X/XX/XXX and revised LE was issued X/XX/XXX. The third business day from X/XX/XXX is X/XX/XXX which includes Saturday X/XX/XXX. Compliance Ease is not accepting the COC due to the LE being issued after X business days. - Due Diligence Vendor-XX/XX/XXX Ready for Review-NOT SURE HOW I AM TO CLEAR THIS CONDITION. - Seller-XX/XX/XXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. COC document dated X/XX/XX shows COC event of X/XX, more than X business days from event to disclosure. Lender to confirm if Saturday X/XX is a business day - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-NOT SURE HOW I AM TO CLEAR THIS CONDITION. - Seller-XX/XX/XXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXX |
Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010658 | C | A | A | A | C | A | A | A | Closed | finding-3634 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXX Counter-The $XXX is from the Originator Compensation increase from $XXX to $XXX on X/XX/XXX. Received confirmation that Saturday is considered a business day. COC event is X/XX/XXX and revised LE was issued X/XX/XXX. The third business day from X/XX/XXX is X/XX/XXX which includes Saturday X/XX/XXX. Compliance Ease is not accepting the COC due to the LE being issued after X business days. - Due Diligence Vendor-XX/XX/XXX Ready for Review- DO NOT SEE WHAT THIS XXX.XX CURE OR TOLERANCE IS FOR, WHAT FEE ARE YOU SPECIFICALLY TALKING ABOUT? - Seller-XX/XX/XXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). COC document dated X/XX/XX shows COC event of X/XX, more than X business days from event to disclosure. Lender to confirm if Saturday X/XX is a business day - Due Diligence Vendor-XX/XX/XXX |
Ready for Review- DO NOT SEE WHAT THIS XXX.XX CURE OR TOLERANCE IS FOR, WHAT FEE ARE YOU SPECIFICALLY TALKING ABOUT? - Seller-XX/XX/XXX |
Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXX |
Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010663 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||||||||||||
| 2023010662 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010661 | C | B | C | B | A | A | A | A | Closed | FCRE8611 | XXX | XXX | Acknowledged | 2 - Non-Material | C | B | Credit | Income | Income/Employment General | Acknowledged-Investor Exception in file for variance to guidelines. Reviewed under XXX-XXX program, however borrower is a U.S. citizen. All business operations are overseas and thus full independent validation of income could not be obtained. Translated P&L statements used in lieu of tax returns under Guideline Variance granted. - Due Diligence Vendor-XX/XX/XXX Ready for Review-THE P & l STATEMENTS FOR XXX,XXX,XXX ARE IN US DOLLARS. EVERYTHING WAS CONVERTED TO AMERICAN STANDARS BOTH LANGUAGE AND CURRENCY SYSTEM AND VERIFIED WITH UW OF xxxx. - Seller-XX/XX/XXX Open-PROFIT AND LOSSS INCOME FOR YEARS XXX AND XXX WAS USED. BUSINESS IS IN VIETNAM AND AUDIT WAS ALSO COMPLETED IN xxxx. AMOUNT SHOWN APPERAS TO,BE US DOLLARS BASED ON SYMBOL USED (S) PLEASE CONFIRM THAT BALANCE FOR BOTH YEARS IS IN US DOLLARS AND NOT xxxx. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-THE P & l STATEMENTS FOR XXX,XXX,XXX ARE IN US DOLLARS. EVERYTHING WAS CONVERTED TO AMERICAN STANDARS BOTH LANGUAGE AND CURRENCY SYSTEM AND VERIFIED WITH UW OF GREENBOX. - Seller-XX/XX/XXX |
Acknowledged-Investor Exception in file for variance to guidelines. Reviewed under XXX-XXX program, however borrower is a U.S. citizen. All business operations are overseas and thus full independent validation of income could not be obtained. Translated P&L statements used in lieu of tax returns under Guideline Variance granted. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More Original CLTV is Below the Guideline Maximum By XXX Percent (XX%) or More - Original CLTV Of XX.XX% Is Below the Guideline Maximum Of XX% By XXX Percent (XX%) or More Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points Original LTV Is Below The Guideline Maximum By XXX Percent (XX%) Or More - Original LTV Of XX.XX% Is Below The Guideline Maximum Of XX% By XXX Percent (XX%) Or More |
LTV is XX%, minimum required is XX%; DTI is XX.XXX%, maximum DTI is XX%; FICO is XXX, minimum required is XXX. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | |||
| 2023010664 | D | A | B | A | A | A | D | A | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Xrd Party Valuation Product is Required and Missing | Resolved-CDA received - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXX Counter-Incorrect item uploaded- this Stipulation is for secondary valuation product, not verification of business. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. cpa letter provided, this is a Xrd party - Seller-XX/XX/XXX Open- - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXX Ready for Review-Document Uploaded. cpa letter provided, this is a Xrd party - Seller-XX/XX/XXX |
Resolved-CDA received - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of X By XXX (X) Or More Months |
CPA LETTER.pdf PASTOR_TDOC.PDF |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010664 | D | A | B | A | A | A | D | A | Closed | FCRE1182 | XXX | XXX | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary provided at re-submission. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. last approval submitted here - Seller-XX/XX/XXX Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. last approval submitted here - Seller-XX/XX/XXX |
Resolved-Approval/Underwriting Summary provided at re-submission. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of X By XXX (X) Or More Months |
pmlapproval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010665 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010675 | C | B | C | B | A | A | A | A | Closed | FCRE1199 | XXX | XXX | Acknowledged | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Acknowledged-Investor Exception issued for Reserves less than standard and Loan Size. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. EXCEPTION PROVIDED - Seller-XX/XX/XXX Open-Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX.X - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. EXCEPTION PROVIDED - Seller-XX/XX/XXX |
Acknowledged-Investor Exception issued for Reserves less than standard and Loan Size. - Due Diligence Vendor-XX/XX/XXX |
XXX-XXX (XX) Months Housing History Reviewed With No Late Payments - XXX-XXX (XX) Months Housing History Reviewed With No Late Payments Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of X By XXX (X) Or More Months Borrower X Has Stable Job Time Of XXX (X) Or More Years At Current Job - Borrower X Has Stable Job Time Of XXX (X) Or More Years At Current Job - XX Years Borrower X Has Stable Time In Profession By XXX (XX) Years Or More - Borrower X Has Stable Time In Profession By XXX (XX) Years Or More - XX Years Borrower At Current Residence For XXX (X) Or More Years - Borrower At Current Residence For XXX (X) Or More Years - X Years Original LTV Is Below The Guideline Maximum By XXX Percent (XX%) Or More - Original LTV Of XX% Is Below The Guideline Maximum Of XX% By XXX Percent (XX%) Or More Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX Original CLTV is Below the Guideline Maximum By XXX Percent (XX%) or More - Original CLTV Of XX% Is Below the Guideline Maximum Of XX% By XXX Percent (XX%) or More Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |
LTV of XX% is less than max guideline/borrower owned home over X years with no lates. | EXCEPTION.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | ||
| 2023010674 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||||||||||||
| 2023010677 | C | A | A | A | C | A | A | A | Closed | finding-47 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD provided - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. post closing cd issued - Seller-XX/XX/XXX Open-This loan failed the XXX right of rescission test. Closed-end ( XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) ), Open-end ( XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX.XX or §XXX.XX, or delivery of all material disclosures, whichever occurs last. Disbursement date same as XXX date and a revised disclosure with an updated disbursement date is required. - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the TILA right of rescission test. Closed-end ( XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) ), Open-end ( XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX.XX or §XXX.XX, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. post closing cd issued - Seller-XX/XX/XXX |
Resolved-PCCD provided - Due Diligence Vendor-XX/XX/XXX |
Borrower X Has Stable Job Time Of XXX (X) Or More Years At Current Job - Borrower X Has Stable Job Time Of XXX (X) Or More Years At Current Job - XX Years Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More XXX-XXX (XX) Months Housing History Reviewed With No Late Payments - XXX-XXX (XX) Months Housing History Reviewed With No Late Payments Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of X By XXX (X) Or More Months Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X Borrower X Has Stable Time In Profession By XXX (XX) Years Or More - Borrower X Has Stable Time In Profession By XXX (XX) Years Or More - XX Years |
XXX Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||
| 2023010678 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010680 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010676 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010679 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||||||||||||||
| 2023010684 | C | B | C | B | A | A | A | A | Closed | FCRE4678 | XXX | XXX | Acknowledged | 2 - Non-Material | B | B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Acknowledged-Payment Shock Does Not Meet Guideline Requirements Payment shock exceeds XXX%. Exception granted. - Due Diligence Vendor-XX/XX/XXX Open-Payment Shock Does Not Meet Guideline Requirements Payment shock exceeds XXX%. Exception granted. - Due Diligence Vendor-XX/XX/XXX |
Acknowledged-Payment Shock Does Not Meet Guideline Requirements Payment shock exceeds XXX%. Exception granted. - Due Diligence Vendor-XX/XX/XXX |
FICO is XXX; LTV is XX%. Max LTV is XX%; DTI is XX.XXX%, up to XX% DTI allowed with min residual income of $X,XXX & LTV <=XX.X%; Enough asset to cover closing cost, remaining balance supports more than X mos. of reserves; Residual income $XXX.XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | |||||
| 2023010684 | C | B | C | B | A | A | A | A | Closed | FCRE1159 | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Updated policy provided confirming effective date matches consummation, item resolved. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-Hazard Insurance Effective Date of XX-XX-XXX is after the Disbursement Date of XX-XX-XXX - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Updated policy provided confirming effective date matches consummation, item resolved. - Due Diligence Vendor-XX/XX/XXX |
HAZARD INSURANCE - XXX-XX-XXTXXX.XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010685 | B | B | B | B | A | A | A | A | Closed | FCRE4678 | XXX | XXX | Acknowledged | 2 - Non-Material | B | B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Acknowledged-Payment Shock Does Not Meet Guideline Requirements Payment shock is over XXX% at XXX%. Exception granted - Due Diligence Vendor-XX/XX/XXX Open-Payment Shock Does Not Meet Guideline Requirements Payment shock is over XXX% at XXX%. Exception granted. pg XXX - Due Diligence Vendor-XX/XX/XXX |
Acknowledged-Payment Shock Does Not Meet Guideline Requirements Payment shock is over XXX% at XXX%. Exception granted - Due Diligence Vendor-XX/XX/XXX |
FICO Score at XXX, with no adverse findings based on credit report; Borrower has XX.XX months equivalent total reserves amounting to $XXX,XXX.XX; XXX – XXX Income growth recorded XX%; At XX% LTV, subject property is located in a XXX with over XX% built up and increasing property values. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | |||||
| 2023010685 | B | B | B | B | A | A | A | A | Closed | FCRE1193 | XXX | XXX | Acknowledged | 2 - Non-Material | B | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Lender approved exception in file. - Due Diligence Vendor-XX/XX/XXX Acknowledged-DTI is over XXX% with residual income lower than $XK. Exception granted - Due Diligence Vendor-XX/XX/XXX Open-DTI is over XXX% with residual income lower than $XK. Exception granted. (pg XXX) - Due Diligence Vendor-XX/XX/XXX |
Acknowledged-Lender approved exception in file. - Due Diligence Vendor-XX/XX/XXX Acknowledged-DTI is over XX% with residual income lower than $XXX. Exception granted - Due Diligence Vendor-XX/XX/XXX |
FICO Score at XXX, with no adverse findings based on credit report; Borrower has XX.XX months equivalent total reserves amounting to $XXX,XXX.XX; XXX – XXX Income growth recorded XX%; At XX% LTV, subject property is located in a XXX with over XX% built up and increasing property values. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | |||||
| 2023010681 | D | A | D | A | D | A | A | A | Closed | finding-3625 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Broker Credit Report paid to third party. Invoice provided is for lesser amount than the fee paid by borrower. Lender provided LOE, PCCD, Copy of check to cure amount paid by the borrower over the amount invoiced. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. refund check issued for difference in fee and post closing cd issued - Seller-XX/XX/XXX Counter-Received Invoice for $XX.XX. Amount is less than the Broker Credit Report fee on the final CD of $XX. Please provide the Broker Credit Report invoice showing the broker was billed and/or receipt that confirms fee was paid by the broker. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-*****The final CD shows a broker credit report fee paid to the mortgage broker without evidence of it being collected for betterment of a third party. - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. refund check issued for difference in fee and post closing cd issued - Seller-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Broker Credit Report paid to third party. Invoice provided is for lesser amount than the fee paid by borrower. Lender provided LOE, PCCD, Copy of check to cure amount paid by the borrower over the amount invoiced. - Due Diligence Vendor-XX/XX/XXX |
Credit report invoice.pdf BinderX.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010681 | D | A | D | A | D | A | A | A | Closed | FCRE1145 | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Prelim Title provided at resubmission. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-Title Document is missing - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Prelim Title provided at resubmission. - Due Diligence Vendor-XX/XX/XXX |
PRELIM TITLE REPORT (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010681 | D | A | D | A | D | A | A | A | Closed | FCOM1227 | XXX | XXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Received DOT with PUD Rider - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-PUD Rider is Missing - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Received DOT with PUD Rider - Due Diligence Vendor-XX/XX/XXX |
DEED OF TRUST_MORTGAGE CERTIFIED (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010682 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010683 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010672 | A | A | A | A | A | A | A | A | Closed | finding-3625 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Resolved, Received copy of the Credit Invoice - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. brokers credit invoice uploaded - Seller-XX/XX/XXX Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. *****Based on the final cd and PCCD, the broker credit report fee listed in section B is made payable to the broker. This fee does not appear to be collected for benefit of a third party. - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the XXX or XXX. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. brokers credit invoice uploaded - Seller-XX/XX/XXX |
Resolved-Resolved, Received copy of the Credit Invoice - Due Diligence Vendor-XX/XX/XXX |
brokers cr inv.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010669 | C | A | A | A | C | A | A | A | Closed | finding-3631 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved, Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. coc for rate of X.XX - Seller-XX/XX/XXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. **There seems to be a interest locked at X.XXX%, based on the COC found on page XXX. The interest rate then changes back to X.X, but there is no COC to back up this change on file. - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. coc for rate of X.XX - Seller-XX/XX/XXX |
Resolved-Resolved, Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX |
changeofcircumstancesnew (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | ||||
| 2023010669 | C | A | A | A | C | A | A | A | Closed | finding-3632 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved, Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. **There seems to be a interest locked at X.XXX%, based on the COC found on page XXX. The interest rate then changes back to X.X, but there is no COC to back up this change on file. - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Resolved, Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX |
changeofcircumstancesnew (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | ||||
| 2023010669 | C | A | A | A | C | A | A | A | Closed | finding-3634 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). ****Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). **There seems to be a interest locked at X.XXX%, based on the COC found on page XXX. The interest rate then changes back to X.X, but there is no COC to back up this change on file. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). ****Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXX |
changeofcircumstancesnew (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | ||||
| 2023010670 | C | B | C | B | A | A | A | A | Closed | FCRE9068 | XXX | XXX | Acknowledged | 2 - Non-Material | C | B | Credit | Eligibility | Residual Income Does Not Meet Guideline Requirements | Acknowledged-Investor Exception Approval provided indicating acceptance of Residual Income below guideline and less than XXX months' PITI reserves. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Please see attached Exception Form that includes Residual Income. Initial XXX has X dependents, age XX, XX & XX. That’s why X where only considered. - Seller-XX/XX/XXX Open-Residual Income Does Not Meet Guideline Requirements Residual income does not meet guidelines due to variance in income calculated at audit. Also, per the residual income calculator (p.XXX) in loan file, UW accounted for X in family size. However, per final XXX, family size should be X. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Please see attached Exception Form that includes Residual Income. Initial XXX has X dependents, age XX, XX & XX. That’s why X where only considered. - Seller-XX/XX/XXX |
Acknowledged-Investor Exception Approval provided indicating acceptance of Residual Income below guideline and less than X months' PITI reserves. - Due Diligence Vendor-XX/XX/XXX |
Compensating Factors cited for Exception approval are LTV X% below program max, FICO of XXX is XX points above threshold, and DTI of XX% less than cap of XX%. | XXX XXX Guideline Exception Form (X)-signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | |||
| 2023010670 | C | B | C | B | A | A | A | A | Closed | FCRE8962 | XXX | XXX | Acknowledged | 2 - Non-Material | A | B | Credit | Assets | PITI Reserves does not meet eligibility requirement(s) | Acknowledged-Investor Exception Approval provided indicating acceptance of Residual Income below guideline and less than X months' PITI reserves. - Due Diligence Vendor-XX/XX/XXX | Acknowledged-Investor Exception Approval provided indicating acceptance of Residual Income below guideline and less than X months' PITI reserves. - Due Diligence Vendor-XX/XX/XXX |
Compensating Factors cited for Exception approval are LTV X% below program max, FICO of XXX is XX points above threshold, and DTI of XX% less than cap of XX%. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | |||||
| 2023010671 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010687 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||||||||||||
| 2023010686 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010644 | C | A | A | A | C | A | A | A | Closed | finding-3625 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD, LOE, Copy of Refund Check - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Final CD and refund check uploaded - Seller-XX/XX/XXX Counter-PCCD issued X/XX/XXX with LOE to borrower indicates a Fee was moved to the correct section. Package provided is missing a copy of the refund check and proof of delivery. Please provide missing documents. - Due Diligence Vendor-XX/XX/XXX Ready for Review-binder X is the post closing cd, refund check for correct loan - Seller-XX/XX/XXX Counter-LOE, PCCD, and Proof of Refund received are not for the subject borrower/loan. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Borrowers refund - Seller-XX/XX/XXX Counter-Received Xrd party invoice for the Broker Credit Report for $XX.XX, the Final CD and PCCD show the buyer paid $XXX.XX. If there are additional invoices, lender to provide for review or confirm if part of the fee is being paid to the broker. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Counter-Received Invoice FROM the Broker, this document does not resolve this finding. Missing the invoice from the third party. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. brokers credit invoice provided - Seller-XX/XX/XXX Counter-Received PCCD issued X/XX/XXX. However, the PCCD does not resolve this finding. The PCCD provided and previous CDs issued have the Broker Credit Report fee in Section B paid to the Broker. Fees in Section B cannot be paid to the broker unless it is for the benefit of a third party. In review of the file provided, we located the invoice from the Broker for the Broker Credit Report for $XXX, but unable to locate the invoice from the third party in the amount of $XXX. Lender to confirm if fee was paid to the broker for the benefit of a third party and provide a copy of the Broker Credit Report invoice from the third party for review. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ***The fees in Section B cannot be paid to "Lender or Broker". Please provide clarification if fee was eventually paid to a third party and if so, we need documentation in support of the same - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Final CD and refund check uploaded - Seller-XX/XX/XXX Ready for Review-binder X is the post closing cd, refund check for correct loan - Seller-XX/XX/XXX Ready for Review-Document Uploaded. Borrowers refund - Seller-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Ready for Review-Document Uploaded. brokers credit invoice provided - Seller-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Received PCCD, LOE, Copy of Refund Check - Due Diligence Vendor-XX/XX/XXX |
Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of XX By XXX (X) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points Original CLTV is Below the Guideline Maximum By XXX Percent (XX%) or More - Original CLTV Of XX.XX% Is Below the Guideline Maximum Of XX% By XXX Percent (XX%) or More Original LTV Is Below The Guideline Maximum By XXX Percent (XX%) Or More - Original LTV Of XX.XX% Is Below The Guideline Maximum Of XX% By XXX Percent (XX%) Or More Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More |
BinderX.pdf broker credit inv.pdf CREDIT REPORT INVOICE.pdf Refund Check.pdf XXX FInal CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 2023010646 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||||||||||||
| 2023010642 | C | A | C | A | A | A | A | A | Closed | FCRE1168 | XXX | XXX | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Confirmed sufficient replacement coverage per insurer's anticipated cost to rebuild provided at resubmission; item resolved. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. cost to replace is XXX,XXX which is less than policy coverage. This should be acceptable - Seller-XX/XX/XXX Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $X - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. cost to replace is XXX,XXX which is less than policy coverage. This should be acceptable - Seller-XX/XX/XXX |
Resolved-Confirmed sufficient replacement coverage per insurer's anticipated cost to rebuild provided at resubmission; item resolved. - Due Diligence Vendor-XX/XX/XXX |
Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of XX By XXX (X) Or More Months |
gem HAZARD INSURANCE - XXX-XX-XXTXXX.XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010652 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010650 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010643 | C | B | A | A | C | B | A | A | Closed | finding-3734 | XXX | XXX | Cured | 2 - Non-Material | C | B | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Cured-Received PCCD, LOE, and Copy Check. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Final CD uploaded - Seller-XX/XX/XXX Counter-Received PCCD and LOE. APR fees updated, confirmed restitution is required. Client confirmed Title Fees disclosed in Section H belong in Section C. Total of Payment amount in Loan Calculations not updated. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-This loan failed the TRID foreclosure rescission total of payments test. ( XX CFR §XXX.XX(h)(X)(ii) )The total of payments is $X,XXX,XXX.XX. The disclosed total of payments charge of $X,XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XXX. ***It appears that the lender disclosed additional section C fee's in section H. Additional Services Borrower Did Shop For fees should be listed on an addendum and still included in section C., - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the TRID foreclosure rescission total of payments test. ( XX CFR §XXX.XX(h)(X)(ii) )The total of payments is $X,XXX,XXX.XX. The disclosed total of payments charge of $X,XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Final CD uploaded - Seller-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Cured-Received PCCD, LOE, and Copy Check. - Due Diligence Vendor-XX/XX/XXX |
BinderX.pdf XXX Final CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 2023010643 | C | B | A | A | C | B | A | A | Closed | finding-3732 | XXX | XXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-Received PCCD, LOE, and Copy Check. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Final CD and refund - Seller-XX/XX/XXX Counter-Please re-upload document for review. PCCD issued X/XX/XXX previously provided. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Revised final CD uploaded - Seller-XX/XX/XXX Counter-Received PCCD and LOE. APR fees updated, confirmed restitution is required. Client confirmed Title Fees disclosed in Section H belong in Section C. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-This loan failed the TRID total of payments test. ( XX CFR §XXX.XX(o)(X) )The total of payments is $X,XXX,XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. ***It appears that the lender disclosed additional section C fee's in section H. Additional Services Borrower Did Shop For fees should be listed on an addendum and still included in section C., - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the TRID total of payments test. ( XX CFR §XXX.XX(o)(X) )The total of payments is $X,XXX,XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Final CD and refund - Seller-XX/XX/XXX Ready for Review-Document Uploaded. Revised final CD uploaded - Seller-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Received PCCD, LOE, and Copy Check. - Due Diligence Vendor-XX/XX/XXX |
BinderX.pdf REVISED FINAL CLOSING DISCLOSURE (XX).pdf XXX Final CD.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 2023010643 | C | B | A | A | C | B | A | A | Closed | finding-2504 | XXX | XXX | Resolved | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Received PCCD and LOE - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX CFR §XXX.XX(h) , transferred from XX CFR §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the TILA foreclosure rescission finance charge test. ( XX CFR §XXX.XX(h) , transferred from XX CFR §XXX.XX(h) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. ***It appears that the lender disclosed additional section C fee's in section H. Additional Services Borrower Did Shop For fees should be listed on an addendum and still included in section C., - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Received PCCD and LOE - Due Diligence Vendor-XX/XX/XXX |
BinderX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 2023010643 | C | B | A | A | C | B | A | A | Closed | finding-651 | XXX | XXX | Resolved | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Received PCCD and LOE - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-This loan failed the TILA finance charge test.( XX CFR §XXX.XX(o)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. ***It appears that the lender disclosed additional section C fee's in section H. Additional Services Borrower Did Shop For fees should be listed on an addendum and still included in section C., - Due Diligence Vendor-XX/XX/XXX Open-This loan failed the XXX finance charge test.( XX CFR §XXX.XX(o)(X) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Received PCCD and LOE - Due Diligence Vendor-XX/XX/XXX |
BinderX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 2023010651 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010656 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010673 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||||||||||||
| 2023010645 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010649 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||||||||||||||
| 2023010647 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Full Third Party Fraud Report provided at resubmission. Items flagged include ownership in another property as disclosed on Final XXX, review of employment/income which was verified per program requirement. Confirmed realtor is not a match to watchlist entity and broker performing more than one role is not of issue. No additional documentation required. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Data verify report uploaded - Seller-XX/XX/XXX Counter-Report provided is the third party Compliance Review- please provide an acceptable Fraud Report (vendors include XXX, XXX, XXX, etc) with all flags addressed. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Data verify report uploaded - Seller-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Full Third Party Fraud Report provided at resubmission. Items flagged include ownership in another property as disclosed on Final XXX, review of employment/income which was verified per program requirement. Confirmed realtor is not a match to watchlist entity and broker performing more than one role is not of issue. No additional documentation required. - Due Diligence Vendor-XX/XX/XXX |
XXX Xrd party report.pdf XXX Xrd party report.pdf XXX Xrd party report.pdf XXX Drive Report.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCOM1233 | XXX | XXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final XXX is Incomplete | Resolved-The Final XXX is Present - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Ready for Review-Document Uploaded. FInal XXX signed by borrower also one page forwarded to LO signed as loan officer - Seller-XX/XX/XXX Counter-XXX submitted is not signed by borrower or lender representative- please provide fully executed final application affirming borrower information and transaction details at the time of closing. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Final XXX - Seller-XX/XX/XXX Open-The Final XXX is Incomplete The file does not contain any executed applications as required. - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Ready for Review-Document Uploaded. FInal XXX signed by borrower also one page forwarded to LO signed as loan officer - Seller-XX/XX/XXX Ready for Review-Document Uploaded. Final XXX - Seller-XX/XX/XXX |
Resolved-The Final XXX is Present - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | XXX Final XXX.pdf XXX Final XXX.pdf FINAL XXX - ALL PAGES (XX).pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCRE4678 | XXX | XXX | Resolved | 1 - Information | A | A | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Resolved-Payment Shock Meets Guideline Requirements Or Not Applibable - Due Diligence Vendor-XX/XX/XXX Acknowledged-Investor Exception issued to allow for payment shock of XXX.XX%, which exceeds program allowance of XXX%. - Due Diligence Vendor-XX/XX/XXX |
Resolved-Payment Shock Meets Guideline Requirements Or Not Applibable - Due Diligence Vendor-XX/XX/XXX Acknowledged-Investor Exception issued to allow for payment shock of XXX.XX%, which exceeds program allowance of XXX%. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCRE1440 | XXX | XXX | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Investor Exception issued to allow for only partial XXX month housing history fully verified. Per statements and explanation in file, rent was paid with both cash and check; ATM receipts confirm withdrawals and private VOR states no late payments. - Due Diligence Vendor-XX/XX/XXX | Acknowledged-Investor Exception issued to allow for only partial XXX month housing history fully verified. Per statements and explanation in file, rent was paid with both cash and check; ATM receipts confirm withdrawals and private VOR states no late payments. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Property Condition is CX, value is increasing with marketing time of less than X months; FICO is XX points higher than program minimum | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCRE1196 | XXX | XXX | Acknowledged | 2 - Non-Material | B | B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX Open-Audited HCLTV of XX% exceeds Guideline HCLTV of XX% **Exception granted allowing to XX% for first time home buyer - page XX - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX |
Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Property Condition is CX, value is increasing with marketing time of less than X months; FICO is XX points higher than program minimum | XXX exception form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCRE1194 | XXX | XXX | Acknowledged | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX Open-Audited LTV of XX% exceeds Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX |
Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Property Condition is CX, value is increasing with marketing time of less than X months; FICO is XX points higher than program minimum | XXX exception form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCRE1195 | XXX | XXX | Acknowledged | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX Open-Audited CLTV of XX% exceeds Guideline CLTV of XX% **Exception granted allowing to XX% for first time home buyer - page XX - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX |
Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Property Condition is CX, value is increasing with marketing time of less than X months; FICO is XX points higher than program minimum | XXX exception form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCOM1544 | XXX | XXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXX Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-XX/XX/XXX Open-TRID: Missing Final Closing Disclosure Final CD is not on file - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | XXX Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCOM1227 | XXX | XXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-DOT and riders received. - Due Diligence Vendor-XX/XX/XXX Open-PUD Rider is Missing as Mortgage docs were not provided from closing. - Due Diligence Vendor-XX/XX/XXX |
Resolved-DOT and riders received. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCOM1621 | XXX | XXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved. Received IEADS. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Escrow account - Seller-XX/XX/XXX Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-XX/XX/XXX Open-Initial Escrow Account Disclosure is Missing IEAD not on file - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Escrow account - Seller-XX/XX/XXX |
Resolved-Initial Escrow Account Disclosure is Resolved. Received XXX. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | XXX Escrow account.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCOM1220 | XXX | XXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present. DOT and riders received. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Deed of trust - Seller-XX/XX/XXX Open-The Deed of Trust is Missing - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Deed of trust - Seller-XX/XX/XXX |
Resolved-The Deed of Trust is Present. DOT and riders received. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | XXX deed of trust.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010648 | D | B | B | B | D | A | A | A | Closed | FCOM1206 | XXX | XXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present. Note received. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. Note and Allonge - Seller-XX/XX/XXX Open-The Note is Missing - Due Diligence Vendor-XX/XX/XXX Open-The Note is Missing - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. Note and Allonge - Seller-XX/XX/XXX |
Resolved-The Note is Present. Note received. - Due Diligence Vendor-XX/XX/XXX |
Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | XXX Note and Allonge.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||
| 2023010655 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | XXX | XXX | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Prelim Title provided at resubmission. - Due Diligence Vendor-XX/XX/XXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXX Open-Title Document is missing Need copy of Prelim Title or Final Policy - Due Diligence Vendor-XX/XX/XXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXX |
Resolved-Prelim Title provided at resubmission. - Due Diligence Vendor-XX/XX/XXX |
PRELIM TITLE REPORT XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | ||||
| 2023010654 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||||||||||||||
| 2023010657 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A | |||||||||||||||
| 2023010653 | A | A | A | A | A | A | A | A | XXX | XXX | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |