Exhibit 99.4

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Acknowledged / Waived By

Waiver in File?

CalCon Mutual Mtg dba OneTrust Home Loans

72981421

Closed

2023-10-12 21:12

2023-11-24 15:51

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-10/27/2023 Ready for Review-The total of student loan balance on CR is $81,511 with an IDR monthly payment of $466.53 which does match with document provided. The 4 deferred student loans on DU are included on the total balance and payment which we are hitting the borrower DTI   (Please refer to XXXX_studentloanstatement).  - Buyer-10/26/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-10/12/2023

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-10/27/2023

TX

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981421

Closed

2023-10-10 11:03

2023-10-27 13:49

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Consolidated student loan statement provided showing loans under income driven RPP. DTI meets guidelines. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-The total of student loan balance on CR is $81,511 with an IDR monthly payment of $466.53 which does match with document provided. The 4 deferred student loans on DU are included on the total balance and payment which we are hitting the borrower DTI   (Please refer to XXXX_studentloanstatement).  - Buyer-10/26/2023 Open-Audited DTI of 38.54% exceeds AUS DTI of 38.48%. (DU approved DTI of 35.48% + 3% = 38.48% maximum). The AUS omitted monthly payments for 4 deferred student loans but failed to provide documentation to support the omission as required by the FNMA guidelines. resubmission of the AUS was required and not performed. - Due Diligence Vendor-10/12/2023

Resolved-Consolidated student loan statement provided showing loans under income driven RPP. DTI meets guidelines. Condition cleared. - Due Diligence Vendor-10/27/2023

TX

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981421

Closed

2023-10-10 11:02

2023-10-27 13:48

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 35.48% is less than or equal to AUS DTI of 38.48%. Consolidated student loan statement provided showing loans under income driven RPP. DTI meets guidelines. Condition cleared. - Due Diligence Vendor-10/27/2023 Open- - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Audited DTI of 38.54% exceeds AUS DTI of 38.48% . (DU approved DTI of 35.48% + 3% = 38.48% maximum). The AUS omitted monthly payments for 4 deferred student loans but failed to provide documentation to support the omission as required by the FNMA guidelines. - Due Diligence Vendor-10/10/2023

Resolved-Audited DTI of 35.48% is less than or equal to AUS DTI of 38.48%. Consolidated student loan statement provided showing loans under income driven RPP. DTI meets guidelines. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

TX

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982174

Closed

2023-10-13 19:05

2023-10-26 20:41

Resolved

1 - Information

Compliance

TRID

TRID disclosure(s) for Borrower electronically dated prior to E-Consent

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-TRID disclosure(s) signed 01/XX/2023 is prior to E-Consent from Borrower dated 02/XX/2023. - Due Diligence Vendor-10/13/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023

XX.pdf

CA

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981910

Closed

2023-10-10 09:41

2023-11-08 14:03

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-11/08/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Florida Severe Storms, Tornadoes, and Flooding (DR-XXX-FL). - Due Diligence Vendor-10/24/2023

Resolved-Post incident inspection provided - Due Diligence Vendor-11/08/2023

FL

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981903

Closed

2023-10-27 20:35

2023-11-13 22:24

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/13/2023 Ready for Review- - Due Diligence Vendor-11/13/2023 Counter-Property detail report provided lists co-borrower for subject transaction as borrower 1 on mortgage on investment property (business partner is listed as borrower 2). Co-borrower is also vested owner of this property as individual joint tenant. Per selling guide, 12 month pay history must be documented with standard VOM, loan payment history from servicer, or 12 months canceled checks. Condition remains. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded. Hello, the property listed on the co-bwrs 1003 section 3b is owner by the co-bwrs company, the attached mortgage statement is showing the co-bwrs company partner as the responsible party for the loan. - Buyer-11/02/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-10/27/2023

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981903

Closed

2023-10-13 21:45

2023-11-13 22:22

Resolved

1 - Information

Credit

Missing Doc

Missing Payment History

Resolved-Evidence provided that borrower was not obligated per Note. No payment history required to be verified. Condition cleared. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-Lender rebuttal reviewed stating account should be excluded from verification as non-applicant account.  However, mortgage was listed on co-borrower's final 1003, debt was included in qualification and co-borrower executed DOT for this debt.  Debt cannot be considered as non-applicant account. Condition remains. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter-Property detail report provided lists co-borrower for subject transaction as borrower 1 on mortgage on investment property (business partner is listed as borrower 2). Co-borrower is also vested owner of this property as individual joint tenant. Per selling guide, 12 month pay history must be documented with standard VOM, loan payment history from servicer, or 12 months canceled checks. Condition remains. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded. Hello, the property listed on co-bwrs 1003 on 3b - is an investment property owned by co-bwrs company therefore, this would not reflect on his personal credit report because the XXXX loan is in the name of his partner XXX. - Buyer-11/02/2023 Counter-Credit report for co-borrower, dated 06/XX/2022, provided but mortgage not on credit report. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Counter-Mortgage statement dated 05/XX/2022 provided reflecting next due 05/XX/2022, but DU #14 required 12 month payment history which is missing from file. Condition remains. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing documentation to evidence the payment history for mortgage with balance of $441,886 as disclosed on line 3B of the co-borrower final loan application required per AUS condition 14. - Due Diligence Vendor-10/23/2023

Resolved-Evidence provided that borrower was not obligated per Note. No payment history required to be verified. Condition cleared. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981948

Closed

2023-10-30 21:36

2023-11-10 20:01

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall - Replacement Cost Provided

Resolved-Hazard Insurance Coverage Amount of $474050 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Documentation provided does not indicate Guaranteed Replacement Cost  - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $474050 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 $512538 Based on loan documentation, only Replacement Cost coverage is present. Guidelines require evidence of Guaranteed Replacement Cost coverage.   - Due Diligence Vendor-10/30/2023

Resolved-Hazard Insurance Coverage Amount of $474050 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981948

Closed

2023-10-10 14:03

2023-10-30 19:10

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Evidence provide that loans were consolidated and included in one payment under income driven repayment plan. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-Missing documentation to support that the $0.00 payment for student loans is associated with an income-driven repayment plan. - Due Diligence Vendor-10/19/2023

Resolved-Evidence provide that loans were consolidated and included in one payment under income driven repayment plan. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982056

Closed

2023-10-10 15:00

2023-11-07 20:33

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided email from broker regarding borrower requested loan amount change. Condition cleared. - Due Diligence Vendor-11/07/2023 Resolved-Resolved - Due Diligence Vendor-11/07/2023 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1.25) were applied to the total fee variance of ($407.55) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Counter-Since the COC is Revision Requested by the Consumer, please provided documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower requested the loan amount increase and the date it was requested. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1.25) were applied to the total fee variance of ($1,136.08) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The loan amount increased from $200,000 to $260,917. Although a change of circumstance was provided, the loan file is missing documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower’s request which resulted in an increase in discount points. - Due Diligence Vendor-10/10/2023

Resolved-Lender provided email from broker regarding borrower requested loan amount change. Condition cleared. - Due Diligence Vendor-11/07/2023  Resolved-Resolved - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982056

Closed

2023-10-10 15:00

2023-11-07 20:33

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided email from broker regarding borrower requested loan amount change. Condition cleared. - Due Diligence Vendor-11/07/2023 Resolved-Resolved - Due Diligence Vendor-11/07/2023 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1.25) were applied to the total fee variance of ($407.55) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Counter-Since the COC is Revision Requested by the Consumer, please provided documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower requested the loan amount increase and the date it was requested. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1.25) were applied to the total fee variance of ($1,136.08) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The loan amount increased from $200,000 to $260,917. Although a change of circumstance was provided, the loan file is missing documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower’s request which resulted in an increase in discount points. - Due Diligence Vendor-10/10/2023

Resolved-Lender provided email from broker regarding borrower requested loan amount change. Condition cleared. - Due Diligence Vendor-11/07/2023  Resolved-Resolved - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982056

Closed

2023-10-10 13:31

2023-10-26 21:18

Resolved

1 - Information

Compliance

Missing Doc

Missing Attorney Preference Letter

Resolved-Lender provided signed attorney preference disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/26/2023 Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-10/10/2023

Resolved-Lender provided signed attorney preference disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/26/2023  Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-10/26/2023

XX.pdf

SC

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981425

Closed

2023-10-10 14:10

2023-10-26 15:21

Resolved

1 - Information

Compliance

TRID

TRID disclosure(s) for Borrower electronically dated prior to E-Consent

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-TRID disclosure signed 11/17/2023 is prior to E-Consent from Borrower dated 11/19/2023. - Due Diligence Vendor-10/10/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981758

Closed

2023-10-27 16:22

2023-11-22 15:55

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/10/2023 Ready for Review-Per FNMA Seller Guide, B3-3.1-07 "lenders may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE cannot be obtained prior to delivery, the loan is ineligible for delivery to Fannie Mae." As this loan has not been delivered to FNMA, it is acceptable to obtain the VVOE post closing. https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/Section-B3-3-1-Employment-and-Other-Sources-of-Income/1032991031/B3-3-1-07-Verbal-Verification-of-Employment-08-03-2022.htm - Buyer-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-VVOE for borrower provided, but finding is cited for missing VVOE for co-borrower. Condition remains. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/27/2023

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981758

Closed

2023-10-27 16:22

2023-11-22 15:55

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Award Letter Missing

Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/22/2023 Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/10/2023 Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Borrower 2 Award Letter Missing Bank statements confirm the monthly payment amount, however, the loan file is missing a VA Letter or Distribution form to verify B2 VA benefit as required per DU #17.   - Due Diligence Vendor-10/27/2023

Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/22/2023  Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/10/2023  Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/01/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981758

Closed

2023-10-27 18:11

2023-11-10 15:21

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Bank statements confirm the monthly payment amount, however, the loan file is missing a VA Letter or Distribution form to verify B2 VA benefit as required per DU #17.   - Due Diligence Vendor-10/27/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/02/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981758

Closed

2023-10-27 18:11

2023-11-10 15:21

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/10/2023 Ready for Review-Per FNMA Seller Guide, B3-3.1-07 "lenders may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE cannot be obtained prior to delivery, the loan is ineligible for delivery to Fannie Mae." As this loan has not been delivered to FNMA, it is acceptable to obtain the VVOE post closing. https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/Section-B3-3-1-Employment-and-Other-Sources-of-Income/1032991031/B3-3-1-07-Verbal-Verification-of-Employment-08-03-2022.htm - Buyer-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-ATR Risk - Employment validation/verification standards do not meet requirements The loan file is missing a verbal verification of B2's employment no more than 10 business days prior to the note date.  - Due Diligence Vendor-10/27/2023

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/10/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981758

Closed

2023-10-27 21:14

2023-11-10 15:21

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/10/2023 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/07/2023 Open- - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing documentation to support additional amount of $125 per month included in subject TIA. - Due Diligence Vendor-10/27/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/10/2023  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981758

Closed

2023-10-27 19:16

2023-11-07 22:51

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Final 1008 and final CD do not include additional $125/mo to be verified. No resubmission to DU required when verified debts decrease. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Counter-Trailing documents uploaded included upload error.  Please re-submit for review.  Condition remains. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The 1008 and Final AUS reflect Other amount of $125.00 per month included in the subject PITI payment.  Missing documentation to support this amount.  Additional conditions may apply. - Due Diligence Vendor-10/27/2023

Resolved-Final 1008 and final CD do not include additional $125/mo to be verified. No resubmission to DU required when verified debts decrease. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981758

Closed

2023-10-27 19:00

2023-11-01 14:39

Resolved

1 - Information

Compliance

Missing Doc

Loan Estimate disclosure is missing or incomplete

Resolved-Revised LE provided for corresponding COC. Condition cleared. - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Loan Estimate disclosure is missing or incomplete Missing Loan Estimate for corresponding COC dated 06/20/2023. - Due Diligence Vendor-10/27/2023

Resolved-Revised LE provided for corresponding COC. Condition cleared. - Due Diligence Vendor-11/01/2023

XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981758

Closed

2023-10-27 18:00

2023-11-01 14:36

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Revised LE provided for corresponding COC. Compliance re-tested based on additional documentation and no tolerance violation. Condition cleared. - Due Diligence Vendor-11/01/2023 Open-A Lender Credit for Excess Charges of ($350.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($350.00) were applied to the total fee variance of ($21,173.44) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The loan file is missing the LE dated on or around 06/XX/2023.  The loan file contains a COC dated 06/20/2023 which reflects the rate lock and addition of the Discount Fee.  The lender credit of $350.00 is only sufficient to cover the CondoCert fee.   - Due Diligence Vendor-10/27/2023

Resolved-Revised LE provided for corresponding COC. Compliance re-tested based on additional documentation and no tolerance violation. Condition cleared. - Due Diligence Vendor-11/01/2023

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981758

Closed

2023-10-27 18:00

2023-11-01 14:36

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Revised LE provided for corresponding COC. Compliance re-tested based on additional documentation and no tolerance violation. Condition cleared. - Due Diligence Vendor-11/01/2023 Open-A Lender Credit for Excess Charges of ($350.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($350.00) were applied to the total fee variance of ($21,173.44) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The loan file is missing the LE dated on or around 06/XX/2023.  The loan file contains a COC dated 06/XX/2023 which reflects the rate lock and addition of the Discount Fee.  The lender credit of $350.00 is only sufficient to cover the CondoCert fee.   - Due Diligence Vendor-10/27/2023

Resolved-Revised LE provided for corresponding COC. Compliance re-tested based on additional documentation and no tolerance violation. Condition cleared. - Due Diligence Vendor-11/01/2023

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981684

Closed

2023-10-25 20:35

2023-11-23 22:03

Acknowledged

2 - Non-Material

Compliance

Mavent

Fees: Limited

Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/13/2023 Ready for Review-OTHL acknowledges this finding - Buyer-11/10/2023 Resolved-Lender provided COC for Re-Inspection Fee. However, prior to XXX, a CD cannot be used to re-baseline a fee. Condition maintained. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Re-Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded. The Appraisal Fee decreased from 515 to 400 from Initial Disclosure to Final CD. The Appraisal Reinspection Fee was redisclosed on a revised CD. See attached. - Buyer-11/04/2023 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). This finding is outside the statute of limitations and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2023

Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/13/2023  Resolved-Lender provided COC for Re-Inspection Fee. However, prior to June 1, 2018, a CD cannot be used to re-baseline a fee. Condition maintained. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

TX

Primary Residence

Purchase

NA

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981684

Closed

2023-10-25 20:35

2023-11-23 22:03

Acknowledged

2 - Non-Material

Compliance

Mavent

Fees: Limited

Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/13/2023 Ready for Review-OTHL acknowledges this finding - Buyer-11/10/2023 Resolved-Lender provided COC for Re-Inspection Fee. However, prior to XXXX, a CD cannot be used to re-baseline a fee. Condition maintained. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Re-Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded. Document Uploaded. The Appraisal Fee decreased from 515 to 400 from Initial Disclosure to Final CD. The Appraisal Reinspection Fee was redisclosed on a revised CD. See attached. - Buyer-11/04/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). This finding is outside the statute of limitations and will be rated a B for all agencies.  - Due Diligence Vendor-10/25/2023

Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/13/2023  Resolved-Lender provided COC for Re-Inspection Fee. However, prior to June 1, 2018, a CD cannot be used to re-baseline a fee. Condition maintained. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

TX

Primary Residence

Purchase

NA

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981667

Closed

2023-10-18 16:52

2023-11-14 22:43

Resolved

1 - Information

Credit

Insurance

Master Policy Expiration Date is Prior To the Transaction Date

Resolved-Master Policy Expiration Date of 03-XX-2024 is Equal to or After the Transaction Date of 04-XX-2022 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Counter-Copy of HO6 policy provided, but finding is for condo Master Insurance Policy expiration date of 03/XX/2022 prior to transaction date of 04/XX/2022. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Counter-Copy of HO6 policy provided, but finding is for condo MIP expiration date of 03/XX/2022 prior to transaction date of 04/XX/2022. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Master Policy Expiration Date of 03-XX-2022 is Prior To the Transaction Date of 04-XX2022 - Due Diligence Vendor-10/18/2023

Resolved-Master Policy Expiration Date of 03-31-2024 is Equal to or After the Transaction Date of 04-01-2022 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf XX.pdf

TN

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981619

Closed

2023-10-20 18:10

2023-10-30 17:32

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower - Due Diligence Vendor-10/20/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

FL

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981858

Closed

2023-10-19 18:02

2023-11-07 23:40

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2023 Open-Subject property is in recent disaster area and there is no post incident inspection Individual assistance noted for subject county for Florida XXX (DR-4673-FL). - Due Diligence Vendor-10/24/2023

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2023

FL

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981952

Closed

2023-10-18 11:03

2023-11-27 21:49

Acknowledged

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds AUS LTV

Acknowledged-Lender provided LP from origination with streamline accept.  Post origination LP with streamline accept supports approval decision. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Counter-Updated LP provided based on credit report refresh dated 11/17/2023. Documentation provided is not acceptable to cure DU underwritten loan. Condition remains. - Due Diligence Vendor-11/21/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/17/2023 Open-Audited LTV of 76.14% exceeds AUS CLTV of 74% . Lender qualified loan using purchase price of $XXX rather than appraisal value of $850,000. - Due Diligence Vendor-10/18/2023

Acknowledged-Lender provided LP from origination with streamline accept.  Post origination LP with streamline accept supports approval decision. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

3+ years on job, 782 FICO, 4 months reserves, Post-origination LP streamline accept supports initial decision

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981952

Closed

2023-10-23 15:10

2023-11-27 21:49

Acknowledged

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds AUS CLTV

Acknowledged-Lender provided LP from origination with streamline accept.  Post origination LP with streamline accept supports approval decision. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Counter-Updated LP provided based on credit report refresh dated 11/17/2023. Documentation provided is not acceptable to cure DU underwritten loan. Condition remains. - Due Diligence Vendor-11/21/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/17/2023 Open-Audited CLTV of 93.18% exceeds AUS CLTV of 90% . Lender qualified loan using purchase price of $XXX rather than appraisal value of $850,000. - Due Diligence Vendor-10/23/2023

Acknowledged-Lender provided LP from origination with streamline accept.  Post origination LP with streamline accept supports approval decision. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

3+ years on job, 782 FICO, 4 months reserves, Post-origination LP streamline accept supports initial decision

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981952

Closed

2023-10-23 15:10

2023-11-27 22:28

Acknowledged

2 - Non-Material

Credit

Eligibility

Audited HCLTV Exceeds AUS HCLTV

Acknowledged-Lender provided LP from origination with streamline accept.  Post origination LP with streamline accept supports approval decision. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Counter-Updated LP provided based on credit report refresh dated 11/17/2023. Documentation provided is not acceptable to cure DU underwritten loan. Condition remains. - Due Diligence Vendor-11/21/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/17/2023 Open-Audited HCLTV of 93.18% exceeds AUS HCLTV of 90% . Lender qualified loan using purchase price of $XXX rather than appraisal value of $850,000. - Due Diligence Vendor-10/23/2023

Acknowledged-Lender provided LP from origination with streamline accept.  Post origination LP with streamline accept supports approval decision. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

3+ years on job, 782 FICO, 4 months reserves, Post-origination LP streamline accept supports initial decision

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981952

Closed

2023-10-23 16:04

2023-11-27 21:49

Acknowledged

2 - Non-Material

Credit

Closing

Invalid AUS

Acknowledged-Lender provided LP from origination with streamline accept.  Post origination LP with streamline accept supports approval decision. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Counter-Updated LP provided based on credit report refresh dated 11/17/2023. Documentation provided is not acceptable to cure DU underwritten loan. Condition remains. - Due Diligence Vendor-11/21/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/17/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with LTV/CLTV/HCLTV. - Due Diligence Vendor-10/23/2023

Acknowledged-Lender provided LP from origination with streamline accept.  Post origination LP with streamline accept supports approval decision. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

3+ years on job, 782 FICO, 4 months reserves, Post-origination LP streamline accept supports initial decision

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981952

Closed

2023-10-18 09:49

2023-11-07 23:44

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (XXX). - Due Diligence Vendor-10/23/2023

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981457

Closed

2023-10-26 21:14

2023-11-09 17:59

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/05/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/26/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

TX

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981457

Closed

2023-10-19 16:00

2023-11-07 18:52

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of HOA Dues for REO1

Resolved-Evidence of HOA dues provided. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Evidence of HOA Dues for REO1 Missing Evidence of HOA Dues for REO3 (3D) - Due Diligence Vendor-10/19/2023

Resolved-Evidence of HOA dues provided. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

TX

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981852

Closed

2023-10-24 17:37

2023-11-22 18:54

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  AVM in file did not meet confidence score requirement.  CDA or Field Review is required. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

IN

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981852

Closed

2023-11-07 21:17

2023-11-07 21:17

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

IN

Investment

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981742

Closed

2023-10-24 13:43

2023-10-31 15:59

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/31/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing verification that Co-Borrower's mortgage is current.  - Due Diligence Vendor-10/24/2023

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/31/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981742

Closed

2023-10-24 11:57

2023-10-31 15:59

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-Credit report reflects last report date of 04/2022 with March and April payments rated as M1. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per Fannie Mae Lender Letter (LL-2020-03) Temporary eligibility requirements for purchase and refinance transactions, all mortgages on which the borrower is obligated, including co-signed mortgage loans and mortgage loans not related to the subject transaction, must be current as of the Note date.  Current means the borrower has made all mortgage payments due in the month prior to the new loan transaction by no later the last business day of that month.  The Co-Borrower has an existing mortgage - the credit report has a last report date of 03/2022 and the mortgage statement in file reflects a due date of 3/01/2022.  The loan file is missing verification that the 03/2022 and 04/2022 mortgage payments have been made. - Due Diligence Vendor-10/24/2023

Resolved-Credit report reflects last report date of 04/2022 with March and April payments rated as M1. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981526

Closed

2023-10-19 14:17

2023-11-17 19:09

Acknowledged

2 - Non-Material

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Acknowledged-Final CD reflects coverage was bound at closing with full 12 month premium paid at closing. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/17/2023 Ready for Review-We believe this finding should be downgraded to a Non-Material B finding. Please advise what is needed to update. - Buyer-11/16/2023 Open-Hazard Insurance Effective Date of 08-XX-2022 is after the Note Date of 08-XX-2022 . The loan disbursement date was 08-XX-2022. - Due Diligence Vendor-10/24/2023

Acknowledged-Final CD reflects coverage was bound at closing with full 12 month premium paid at closing. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/17/2023

TN

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981987

Buyer

2023-10-24 19:04

2023-11-20 22:59

Unable to Resolve

3 - Material

Compliance

QM-ATR

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

Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-OTHL acknowledges that we are unable to resolve this finding - Buyer-11/20/2023 Counter-Disagree. Borrower assumed legal responsibility of this debt per Marital Settlement Agreement dated 11/XX/2016. Division of liabilities/debts states that borrower assumed repayment of debt as her own. As such, the payment history is required to be verified per selling guide as payment history not included on credit report. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded. Per FNMA Seller Guide, B3-5.3-03, Previous Mortgage Payment History (07/25/2017), the lender must review the borrower's credit report to determine the status of all mortgage accounts. If a borrower had previous mortgages, the lender does not have to independently verify the mortgage’s payment history provided the credit report includes a reference to the mortgage (or mortgages) and reflects 12 months of the most recent payment activity. On this loan, the borrower was awarded the property through a divorce with her husband after being an NPS on the previous security instrument. Through the transaction, the borrower paid off her husband's HELOC (the borrower was under no obligation to this debt and it was not used in the credit decision) in order to free and clear the property. Please reference final 1003 and see attached credit report showing no obligation to a HELOC tradeline as well as Divorce Decree and Assignment of Deed transferring ownership of property to borrower from ex husband. Because this debt was not the borrowers debt and was not used to make a credit decision, there is no requirement for a 12 month pay history. - Buyer-11/10/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing mortgage payment history (loan #2 on the Payoff and Payments section of the final Closing Disclosure).  - Due Diligence Vendor-10/24/2023

XX.pdf XX.pdf XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981987

Buyer

2023-10-19 18:41

2023-11-20 22:59

Unable to Resolve

3 - Material

Credit

Missing Doc

Missing Payment History

Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-OTHL acknowledges that we are unable to resolve this finding - Buyer-11/20/2023 Counter-Disagree. Borrower assumed legal responsibility of this debt per Marital Settlement Agreement dated 11/XX/2016. Division of liabilities/debts states that borrower assumed repayment of debt as her own. As such, the payment history is required to be verified per selling guide as payment history not included on credit report. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-Pay history for subject loan dated 06/2023-10/2023, but finding is for missing 12 month pay history for XXX loan with $XXX balance as required by DU #14. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded. Please see uploaded payment History - Buyer-10/26/2023 Open-Missing 12-month payment history for account balance $XXX. - Due Diligence Vendor-10/19/2023

XX.pdf XX.pdf XX.pdf XX.pdf image.png

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981987

Closed

2023-10-19 18:21

2023-11-13 19:57

Resolved

1 - Information

Credit

Missing Doc

HELOC Closure Letter Not Provided

Resolved-Satisfaction of HELOC provided. Condition cleared. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-10/19/2023

Resolved-Satisfaction of HELOC provided. Condition cleared. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981987

Closed

2023-10-19 15:24

2023-11-10 19:51

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Lender acknowledges finding. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-OTHL acknowledges this finding. - Buyer-11/10/2023 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/19/2023

Acknowledged-Lender acknowledges finding. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023

FL

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981987

Closed

2023-10-19 16:05

2023-11-07 23:47

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Florida XXX (DR-4673-FL).  - Due Diligence Vendor-10/24/2023

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/07/2023

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981405

Buyer

2023-10-23 18:06

2023-11-21 17:25

Unable to Resolve

3 - Material

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Unable to Resolve-Client acknowledged as unable to resolve. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve. - Buyer-11/21/2023 Counter-VVOE for borrower's primary employment provided, but finding is for borrower's secondary self-employment. No evidence of borrower's business operating within 20 days of Note date as required by COVID selling policies. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded. Please see uploaded CCC Verify VOE - Buyer-10/26/2023 Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower used self-employment income to qualify.  Per COVID guidelines, lender is required to confirm the existence of the borrower's business within 120 days prior to the Note date and confirm the borrower's business is open and operating within 20 business days of the note date.  The CPA Letter dated 11/XX/2020 and personal bank statement dated 12/XX/2020 to verify the borrower's business is more than 20 days prior to the Note date. - Due Diligence Vendor-10/23/2023

XX.pdf

CA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981738

Closed

2023-10-19 19:06

2023-11-23 22:05

Acknowledged

2 - Non-Material

Compliance

Missing Doc

FCRA Negative Information Notice Missing

Acknowledged-This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/23/2023 Ready for Review-OTHL Acknowledges this finding - Buyer-11/11/2023 Counter-Lender provided Fair Lending Notice. Please provide the Notice of Furnishing Negative Information document. Condition maintained. - Due Diligence Vendor-11/10/2023 Ready for Review-OTHL acknowledges this finding.  - Buyer-11/10/2023 Counter-Document provided for review is not the FCRA Negative Information Notice, condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-FCRA Negative Information Notice Missing FCRA Negative information missing in File - Due Diligence Vendor-10/19/2023

Acknowledged-This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/23/2023

XX.pdf

CA

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981738

Closed

2023-10-24 20:10

2023-11-19 15:11

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-11/19/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (DR-4699-CA). - Due Diligence Vendor-10/24/2023

Resolved-Post incident inspection provided - Due Diligence Vendor-11/19/2023

CA

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981334

Closed

2023-10-24 23:55

2023-11-08 16:19

Resolved

1 - Information

Compliance

QM-ATR

Non-TQM - Failing AUS

Resolved-Recalculation of income, issue resolved. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). - Due Diligence Vendor-10/24/2023

Resolved-Recalculation of income, issue resolved. - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981334

Closed

2023-10-19 11:07

2023-11-08 16:18

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 28.73% is less than or equal to AUS DTI of 32.19% - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Audited DTI of 43.91% exceeds AUS DTI of 32.19%  (DU approved DTI of 29.19% + 3% tolerance = 32.19% maximum). Due to the improper calculation of borrower income, the actual DTI is 43.91%. Based on the paystubs, W2s and written VOE in file, a lower income is supported. In addition, the income worksheet completed by the origination UW also supports a lower income.   - Due Diligence Vendor-10/19/2023

Resolved-Audited DTI of 28.73% is less than or equal to AUS DTI of 32.19% - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981334

Closed

2023-10-24 17:16

2023-10-30 16:15

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Lender provided evidence of rate lock date. Condition cleared. - Due Diligence Vendor-10/30/2023 Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded. Please see uploaded XXXX - Buyer-10/27/2023 Open-Evidence of Rate Lock Missing - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of rate lock date. Condition cleared. - Due Diligence Vendor-10/30/2023  Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982082

Closed

2023-11-21 17:19

2023-11-21 17:19

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/21/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/21/2023

WI

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982082

Closed

2023-10-19 13:54

2023-11-21 17:19

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

XX.pdf

WI

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981616

Closed

2023-10-19 14:15

2023-11-06 18:41

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023

UT

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981616

Closed

2023-11-06 18:08

2023-11-06 18:08

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

UT

Primary Residence

Refinance

Cash Out - Other

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982175

Closed

2023-10-25 19:20

2023-11-17 18:05

Acknowledged

2 - Non-Material

Property

Missing Doc

Incomplete Appraisal (Property)

Acknowledged-Appraisal was transferred from another lender and paid for by borrower. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/17/2023 Ready for Review-Please re-review per earlier discussion. - Buyer-11/16/2023 Counter-Appraisal from origination loan file provided. Appraisal does not reflect borrower on Note. Borrower listed on appraisal is not party to subject transaction. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-All pages of appraisal were not provided. Appraisal does not reflect borrower on Note.  Borrower listed on appraisal is not party to subject transaction. - Due Diligence Vendor-10/25/2023

Acknowledged-Appraisal was transferred from another lender and paid for by borrower. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/17/2023

XX.pdf

NM

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982175

Closed

2023-10-24 23:34

2023-11-07 23:52

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/07/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for New Mexico Wildfires Flooding, Mudflows and Straight-line Winds (XXX). - Due Diligence Vendor-10/24/2023

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/07/2023

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982175

Closed

2023-10-24 16:52

2023-10-30 19:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981801

Closed

2023-10-12 21:26

2023-11-23 22:06

Acknowledged

2 - Non-Material

Compliance

Disclosure

ROR issued on incorrect form.

Acknowledged-This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-10/31/2023 Unable to Resolve-Unable to Resolve-Valid Finding: Title Report Schedule B reflects previous lender as XXX. As the original Lender who extended the initial line of credit, H-9 Notice of Right To Cancel is required. - Buyer-10/31/2023 Counter-No document uploaded to review. Condition maintained. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Buyer-10/30/2023 Open-Subject transaction is a same lender refinance which requires Right to Cancel form H-9; however, the loan file closed with Right to Cancel form H-8.  SFIG Position - B-exception grade for circuits in which there is no ruling. - Due Diligence Vendor-10/12/2023

Acknowledged-This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-10/31/2023

UT

Primary Residence

Refinance

Cash Out - Other

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981441

Closed

2023-10-11 12:29

2023-10-24 18:04

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided evidence the CD provide at closing is the final CD. Condition cleared. - Due Diligence Vendor-10/24/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Final Closing Disclosure is missing or incomplete Subject located in dry funding state. Post close CD missing from loan file.  - Due Diligence Vendor-10/11/2023

Resolved-Lender provided evidence the CD provide at closing is the final CD. Condition cleared. - Due Diligence Vendor-10/24/2023

XX.pdf XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981392

Closed

2023-10-10 16:15

2023-11-23 22:07

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Executed proof of sale provided. Finding resolved. - Due Diligence Vendor-11/23/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Final Hud-1, Closing documents of sale from property listed in section 3a of Co-Borrower’s application, showing lien paid off and proceeds to borrowers to cover closing costs was not provided. The Statement provided in file was not signed by the borrowers’ or certified by the closing agent.  - Due Diligence Vendor-10/10/2023

Resolved-Executed proof of sale provided. Finding resolved. - Due Diligence Vendor-11/23/2023

XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981392

Closed

2023-10-10 19:17

2023-10-20 14:05

Resolved

1 - Information

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Resolved-Tool kit provided with date of 10/2/2023. Finding is resolved.  - Due Diligence Vendor-10/20/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-RESPA: Toolkit Missing or Incomplete The Toolkit document present in the loan file does not disclose the date the document was provided to the borrower. - Due Diligence Vendor-10/10/2023

Resolved-Tool kit provided with date of 10/2/2023. Finding is resolved.  - Due Diligence Vendor-10/20/2023

XX.pdf XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982022

Closed

2023-10-30 19:32

2023-10-30 19:32

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

NM

Investment

Refinance

Cash Out - Other

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982022

Closed

2023-10-13 19:15

2023-10-30 19:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA received on 10/28/2023.  No Variance. - Due Diligence Vendor-10/30/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/19/2023 - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/19/2023

Resolved-CDA received on 10/28/2023.  No Variance. - Due Diligence Vendor-10/30/2023

NM

Investment

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982076

Closed

2023-10-11 12:15

2023-10-19 14:57

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-The Final 1003 is Missing - Due Diligence Vendor-10/11/2023

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/19/2023

XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982076

Closed

2023-10-11 16:27

2023-10-19 14:52

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Complete PUD rider provided.  Finding resolved.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Missing Mortgage Rider - Other Rider Missing Mortgage Rider - PUD Rider.  Missing Page 1 of 2 page PUD Rider document.  - Due Diligence Vendor-10/11/2023

Resolved-Complete PUD rider provided.  Finding resolved.  - Due Diligence Vendor-10/19/2023

XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982048

Closed

2023-10-18 14:29

2023-10-30 13:35

Resolved

1 - Information

Credit

Missing Doc

Incomplete Mortgage/Deed of Trust

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-The Deed of Trust is Incomplete Page numbers 3 & 4 out of 13 are missing. Provide complete copy of Deed of Trust.  - Due Diligence Vendor-10/18/2023

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-10/30/2023

XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982219

Closed

2023-10-10 21:01

2023-10-11 15:53

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.    - Due Diligence Vendor-10/10/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.    - Due Diligence Vendor-10/10/2023

NM

Primary Residence

Purchase

NA

Originator Post-Close

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981828

Closed

2023-10-11 14:56

2023-10-27 19:55

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/27/2023 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/27/2023 Resolved-Verification of loan received. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Other-General Loan is a Secured Loan by Assets refer to document (XXX) - As per guidelines when loans are secured by the borrower’s financial assets, monthly payments for the loan do not have to be considered as long-term debt. Which will drop final DTI from 40.717 to 38.510 which is within the 3% DU variance.  - Buyer-10/26/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Final 1003 reflects debt listed as General Loan in the amount of $329.80. Documentation to support loan terms missing from loan file.  - Due Diligence Vendor-10/11/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/27/2023  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/27/2023  Resolved-Verification of loan received. Condition cleared. - Due Diligence Vendor-10/27/2023

NM

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981828

Closed

2023-10-11 12:59

2023-10-27 19:28

Resolved

1 - Information

Compliance

Disclosure

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

Resolved-Lender provided evidence the appraisal was provided to the borrower on 08/19/2022. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely Evidence subject appraisal provided to the borrower at least 3 days prior to closing not provided in file.  - Due Diligence Vendor-10/11/2023

Resolved-Lender provided evidence the appraisal was provided to the borrower on 08/19/2022. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

NM

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981828

Closed

2023-10-26 20:22

2023-10-26 20:33

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-11/23/2023 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-11/23/2023

NM

Second Home

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981828

Closed

2023-10-11 14:14

2023-10-26 20:19

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score was 3.4 and LCA score was indeterminate. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

NM

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981828

Closed

2023-10-17 15:02

2023-10-25 18:59

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Verification of loan received.  - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/23/2023 Open-Missing verification of "other-general loan" listed in section 2d of the final 1003. - Due Diligence Vendor-10/17/2023

Resolved-Verification of loan received.  - Due Diligence Vendor-10/25/2023

XX.pdf

NM

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981828

Closed

2023-10-11 14:26

2023-10-20 14:08

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/20/2023 Ready for Review-Document Uploaded.  - Buyer-10/19/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/11/2023

Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/20/2023

XX.pdf

NM

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981233

Closed

2023-10-13 13:02

2023-11-08 15:00

Resolved

1 - Information

Credit

Missing Doc

Missing purchase contract - addendums

Resolved-Received Addendum to OTP extending closing date. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-Selling Guide section D1-3-05 requires sales contract and any applicable addenda to be reviewed for compliance with all underwriting and eligibility requirements. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Per Fannie Mae Selling Guide B4-1.1-05: If the contract is amended after the effective date of the appraisal in a way that does not affect the description of the property, then the lender is not required to provide the amended contract to the appraiser nor obtain a revised appraisal. Some examples of amendments that do not require the lender to provide the amended contract nor obtain revisions to the already-completed appraisal report include: sale price, transaction terms, financing concessions, seller-paid closing costs, names or initials, closing date, and correction of minor clerical errors such as misspellings. - Buyer-10/27/2023 Open-All addendums to the purchase contract were not provided Missing addendum to extend closing date. The purchase contract in file shows a closing date of 09/XX/2023 and loan closed 09/XX/2023. No addendum to extend date in file.  - Due Diligence Vendor-10/13/2023

Resolved-Received Addendum to OTP extending closing date. - Due Diligence Vendor-11/08/2023

XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982125

Closed

2023-10-13 17:35

2023-11-22 13:51

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Rent schedule for subject provided, finding cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Please see uploaded 1007 that was wth the Appraisal. - Buyer-10/30/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender used subject property rental income for qualifying purpose and loan file is missing Lease agreement/1007. - Due Diligence Vendor-10/13/2023

Resolved-Rent schedule for subject provided, finding cleared. - Due Diligence Vendor-10/30/2023

AZ

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982125

Closed

2023-10-13 17:31

2023-10-30 18:58

Resolved

1 - Information

Credit

Missing Doc

Missing rent comparable schedule form 1007

Resolved-Rent schedule provided, finding cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-Subject property rent is used for qualifying purpose and loan file is missing 1007-Comparable Rent Schedule document. - Due Diligence Vendor-10/13/2023

Resolved-Rent schedule provided, finding cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

AZ

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982125

Closed

2023-10-13 14:14

2023-10-30 18:55

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved- - Due Diligence Vendor-10/30/2023 Cured-Appraisal provided, finding cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-Appraisal or other primary valuation product is missing. - Due Diligence Vendor-10/13/2023

Cured-Appraisal provided, finding cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

AZ

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982220

Closed

2023-10-14 15:48

2023-11-03 21:25

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Condo Cert Servicing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated 03/XX/2022, reflects a XXX Service Fee of $375.00   Post-Closing CD dated 05/XX/2022 reflects a XXX Service Fee of $450.00. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $75.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-10/14/2023

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/03/2023

XX.pdf XX.pdf XX.pdf

CA

Investment

Refinance

Cash Out - Debt Consolidation

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982220

Closed

2023-10-14 15:48

2023-11-03 21:25

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Condo Cert Servicing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 03/XX/2022, reflects a XXService Fee of $375.00   Post-Closing CD dated 05/XX/2022 reflects a CondoCert Service Fee of $450.00. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $75.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-10/14/2023

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/03/2023

XX.pdf XX.pdf XX.pdf

CA

Investment

Refinance

Cash Out - Debt Consolidation

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981314

Buyer

2023-10-10 16:22

2023-11-22 17:06

Unable to Resolve

3 - Material

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Unable to Resolve-Client acknowledged as unable to resolve. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve.  - Buyer-11/21/2023 Counter-Lendr provided PCCD and LOE for refund of $607.54 provided on 01/XX/2023. However, sunset date for the QM Rule’s provision allowing creditors to cure loans that exceed the rule’s limitation on points and fees had passed. Cure only available within 210 days from consummation for transactions consummated from 11/XX/2014 to 01/XX/2021. No Cure. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-File contains PCCD and LOE for refund of $607.54 provided on 01/XX/2023. However, sunset date for the QM Rule’s provision allowing creditors to cure loans that exceed the rule’s limitation on points and fees had passed. Cure only available within 210 days from consummation for transactions consummated from 11/XX/2014 to 01/XX/2021. - Due Diligence Vendor-10/11/2023 Open-The loan fees ($9,975.00) exceed the (QM) (Note Amount >=$114,847.00) fee limit, which is 3% of the Total Loan Amount ($9,378.55), the difference is ($596.45). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-10/10/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981314

Closed

2023-10-11 21:11

2023-11-22 17:14

Cured

2 - Non-Material

Compliance

Mavent

HighCost: Fees

Cured- - Due Diligence Vendor-11/22/2023 Cured-Copy of refund check provided dated within 60 days of consummation. - Due Diligence Vendor-10/18/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-The loan fees ($19,088.75) exceed the (CA) High Cost fee limit, which is ($18,757.11), the difference is ($331.64). File contains PCCD and LOE for refund of $607.54 provided within 60 days of consummation.  However, no copy of refund check or proof of delivery/evidence of receipt by borrower provided. - Due Diligence Vendor-10/12/2023

Cured-Copy of refund check provided dated within 60 days of consummation. - Due Diligence Vendor-10/18/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981314

Closed

2023-10-30 21:00

2023-10-30 21:00

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981314

Closed

2023-10-10 15:59

2023-10-30 20:43

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/12/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981589

Closed

2023-10-17 22:33

2023-11-13 21:29

Resolved

1 - Information

Credit

Eligibility

Purchase Contract is Expired

Resolved-Review of FNMA Guidelines resulted in no guideline that specifically requires an Addendum to the Sales Contract to extend the closing date. Condition resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-The contract was never amended to extend the expiration date and both buyer and seller proceeded with closing the transaction without changing any terms, nullifying the need for a contract addendum to extend the closing date. Please provide guide/regulation determine that an amended contract is required to extend a closing date. - Buyer-11/10/2023 Counter-Selling Guide section D1-3-05 requires sales contract and any applicable addenda to be reviewed for compliance with all underwriting and eligibility requirements. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Per Fannie Mae Selling Guide B4-1.1-05: If the contract is amended after the effective date of the appraisal in a way that does not affect the description of the property, then the lender is not required to provide the amended contract to the appraiser nor obtain a revised appraisal. Some examples of amendments that do not require the lender to provide the amended contract nor obtain revisions to the already-completed appraisal report include: sale price, transaction terms, financing concessions, seller-paid closing costs, names or initials, closing date, and correction of minor clerical errors such as misspellings. - Buyer-10/27/2023 Open-Purchase contract expired 03/18/2022 and subject transaction closed 03/21/2022. No extension of contract in file. - Due Diligence Vendor-10/17/2023

Resolved-Review of FNMA Guidelines resulted in no guideline that specifically requires an Addendum to the Sales Contract to extend the closing date. Condition resolved. - Due Diligence Vendor-11/13/2023

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981589

Closed

2023-10-11 20:02

2023-11-08 15:13

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence that REO1 Property is Owned Free and Clear

Resolved-Received Property Profile for REO1. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-The HOI policy is not an acceptable document to verify there are no liens on a property.  Finding stands. - Due Diligence Vendor-10/30/2023 Ready for Review-Hello, the attached HOI shows there is no mortgagee for the property which proves there are no mortgages on this property. - Buyer-10/27/2023 Counter- - Due Diligence Vendor-10/27/2023 Rejected-Documentation received is HOI from initial loan file. Additional documentation is required.  - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Missing Evidence that REO1 Property is Owned Free and Clear - Due Diligence Vendor-10/11/2023

Resolved-Received Property Profile for REO1. - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981589

Closed

2023-10-11 20:01

2023-11-02 15:25

Resolved

1 - Information

Compliance

Data

Sales Price on Purchase Contract does not match Closing Disclosure / HUD-1

Resolved-Amendment to sales contract provided which reflects final sales price of XXX. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Sales Price on Purchase Contract does not match Closing Disclosure / HUD-1 - Due Diligence Vendor-10/11/2023

Resolved-Amendment to sales contract provided which reflects final sales price of $505,000. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981589

Closed

2023-10-11 18:32

2023-10-26 19:42

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Georgia Severe Storms, Straight-line Winds and Tornadoes (DR-4685-GA). - Due Diligence Vendor-10/17/2023

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981589

Closed

2023-10-11 19:58

2023-10-24 20:22

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/24/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/11/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/24/2023

XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981589

Closed

2023-10-11 20:07

2023-10-20 14:11

Resolved

1 - Information

Credit

Missing Doc

Asset 2 Missing

Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-10/20/2023 Ready for Review-Document Uploaded.  - Buyer-10/19/2023 Open-Loan file contained a "Preliminary Closing Disclosure" for the borrower's departure residence. Provide a copy of the Final Closing Disclosure or Final ALTA Statement executed by the borrower -OR- true certified by the Settlement Agent (one -OR- the other is required). If property state does not require signatures, then said document must be true and certified by the settlement agent. Unable to verify proceeds from the sale of the departure residence. - Due Diligence Vendor-10/11/2023

Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-10/20/2023

XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982170

Closed

2023-10-13 13:44

2023-11-03 15:04

Cured

2 - Non-Material

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Cured-Lender provided letter of explanation to the borrower, evidence of refund, post-closing CD and proof of delivery. Documentation was provided within 60 days of discovery. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded. Restitution in the form of a principal reduction @ $1,246.35 has been applied. Post-consummation closing disclosure (PCCD) attached. LOX and copy of label attached.  - Buyer-11/01/2023 Counter-Lender provided PCCD reflecting an increase in the general lender credit by $1,246.35. However, missing Letter of Explanation and Proof of Delivery to Borrower. Condition maintained. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-The disclosed finance charge ($220,524.45) is ($1,171.35) below the actual finance charge($221,695.80). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the Lender disclosed MI premium of $49.88 from quote dated 03/07/2022. Audit is using $61.75 from cert dated 03/10/2022 and DU.  Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. - Due Diligence Vendor-10/13/2023

Cured-Lender provided letter of explanation to the borrower, evidence of refund, post-closing CD and proof of delivery. Documentation was provided within 60 days of discovery. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/03/2023

XX.pdf XX.pdf XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982170

Closed

2023-10-13 13:44

2023-11-03 15:02

Cured

2 - Non-Material

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Disclosure Tolerance

Cured-Lender provided letter of explanation to the borrower, evidence of refund, post-closing CD and proof of delivery. Documentation was provided within 60 days of discovery. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded. Restitution in the form of a principal reduction @ $1,246.35 has been applied. Post-consummation closing disclosure (PCCD) attached. LOX and copy of label. attached  - Buyer-11/01/2023 Counter-Lender provided PCCD reflecting an increase in the general lender credit by $1,246.35. However, missing Letter of Explanation and Proof of Delivery to Borrower. Condition maintained. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-The disclosed Total of Payments ($507,088.45) is understated by more than $100 when compared to the actual Total of Payments ($508,278.80). The difference is ($1,190.35). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) It appears the Lender disclosed MI premium of $49.88 from quote dated 03/07/2022. Audit is using $61.75 from cert dated 03/10/2022 and DU.  Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. - Due Diligence Vendor-10/13/2023

Cured-Lender provided letter of explanation to the borrower, evidence of refund, post-closing CD and proof of delivery. Documentation was provided within 60 days of discovery. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/03/2023

XX.pdf XX.pdf XX.pdf XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982170

Closed

2023-10-11 18:04

2023-10-19 14:59

Resolved

1 - Information

Credit

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-The Note is Missing The subject Note is missing. - Due Diligence Vendor-10/13/2023

Resolved-The Note is Present - Due Diligence Vendor-10/19/2023

XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981665

Closed

2023-10-10 17:50

2023-10-19 15:02

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Closing statement signed by the title agent provided.  Finding is resolved.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Final Hud-1, Closing documents, or other evidence of sale from departure property evidencing liens paid and net proceeds of $XXX was not provided.  The copy of the settlement statement present in the loan file was noy signed by the borrower or certified by the settlement agent. - Due Diligence Vendor-10/10/2023

Resolved-Closing statement signed by the title agent provided.  Finding is resolved.  - Due Diligence Vendor-10/19/2023

XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981549

Closed

2023-10-10 18:47

2023-11-22 10:12

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score is 2.6 and LCA score is indeterminate. - Due Diligence Vendor-10/16/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981549

Closed

2023-10-26 20:37

2023-10-26 20:37

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

GA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981755

Closed

2023-10-10 16:18

2023-10-30 20:19

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Georgia Severe Storms, Straight-line Winds and Tornadoes (DR-4685-GA). - Due Diligence Vendor-10/12/2023

Resolved-Post incident inspection provided - Due Diligence Vendor-10/30/2023

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982202

Closed

2023-10-19 18:42

2023-11-09 21:16

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Lender provided evidence of PAR. Condition cleared. - Due Diligence Vendor-11/09/2023 Resolved-Resolved - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded. Please see documentation supporting Par Pricing available to consumer on day of lock as well as the Mavent report documenting the bonafide discount points. - Buyer-11/09/2023 Counter-Cure of $1,043.24 provided on 12/13/2022. However, sunset date for the QM Rule’s provision allowing creditors to cure loans that exceed the rule’s limitation on points and fees had passed. Cure only available within 210 days from consummation for transactions consummated from 11/03/2014 to 01/10/2021. No Cure. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-The loan fees ($6,295.00) exceed the (QM) (Note Amount >=$114,847.00) fee limit, which is 3% of the Total Loan Amount ($5,257.86), the difference is ($1,037.14). (12 CFR 1026.43(e)(3). Cure of $1043.24 provided on 12/13/2022. However, sunset date for the QM Rule’s provision allowing creditors to cure loans that exceed the rule’s limitation on points and fees had passed. Cure only available within 210 days from consummation for transactions consummated from 11/03/2014 to 01/10/2021. - Due Diligence Vendor-10/19/2023

Resolved-Lender provided evidence of PAR. Condition cleared. - Due Diligence Vendor-11/09/2023  Resolved-Resolved - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf XX.pdf

GA

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982202

Closed

2023-10-10 17:19

2023-11-07 23:49

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No damage noted. - Due Diligence Vendor-11/07/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Georgia Hurricane XXX (XXX). - Due Diligence Vendor-10/20/2023

Resolved-Post incident inspection provided.  No damage noted. - Due Diligence Vendor-11/07/2023

GA

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982202

Closed

2023-10-19 21:32

2023-10-31 13:18

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/19/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/31/2023

XX.pdf

GA

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982202

Closed

2023-10-20 20:26

2023-10-31 13:18

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-10/31/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-10/20/2023

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-10/31/2023

GA

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982202

Closed

2023-10-10 18:05

2023-10-31 13:17

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Co-borrower's income re-calculated and Lender's income for co-borrower is supported. DTI within 3% tolerance and no resubmission required. Condition cleared.  - Due Diligence Vendor-10/31/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI.  - Due Diligence Vendor-10/10/2023

Resolved-Co-borrower's income re-calculated and Lender's income for co-borrower is supported. DTI within 3% tolerance and no resubmission required. Condition cleared.  - Due Diligence Vendor-10/31/2023

GA

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982202

Closed

2023-10-10 17:44

2023-10-31 13:15

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 43.74% is less than or equal to AUS DTI of 43.82%. Co-borrower's income re-calculated and Lender's income for co-borrower is supported. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Audited DTI of 47.33% exceeds AUS DTI of 43.82%  (DU approved DTI of 40.82% + 3% DTI tolerance = 43.82% maximum).  Audit calculated the borrower and co-borrowers' income using most conservative method based on documentation in file. The borrower paystub reflects rates of $15 and $16 per hour vs the WVOE at $19/hour. Co-borrower income is verified thru 8/21/2022. The WVOE dated 10/03/2022 does not reflect current income earned. Audit averaged the income for both borrowers. - Due Diligence Vendor-10/20/2023

Resolved-Audited DTI of 43.74% is less than or equal to AUS DTI of 43.82%. Co-borrower's income re-calculated and Lender's income for co-borrower is supported. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf

GA

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981396

Buyer

2023-10-20 19:10

2023-11-21 17:23

Unable to Resolve

3 - Material

Credit

Closing

Invalid AUS

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve. - Buyer-11/21/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-10/20/2023

FL

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981396

Buyer

2023-10-11 21:28

2023-11-21 17:23

Unable to Resolve

3 - Material

Compliance

QM-ATR

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

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve. - Buyer-11/21/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  Audit DTI exceeds guidelines. Lender used a higher gross rental income that was not supported by the rental lease in file.  - Due Diligence Vendor-10/11/2023

FL

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981396

Buyer

2023-10-11 21:32

2023-11-21 17:23

Unable to Resolve

3 - Material

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve. - Buyer-11/21/2023 Open-Audited DTI of 52.49% exceeds AUS DTI of 50% Lender used monthly rental income of $4,500 for the investment property located on XXX The rental lease in file showed the monthly rental income was only $4,300. - Due Diligence Vendor-10/11/2023

FL

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981601

Closed

2023-10-24 14:11

2023-11-08 01:23

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Evidence that sufficient coverage was in place at time of disbursement provided. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-The subject transaction is a construction loan.  While the policy did start after the signing date,  at the date of signing there was no structure on the property.  The builder's risk insurance started when construction commenced. - Buyer-11/05/2023 Open-Hazard Insurance Effective Date of 02-08-2021 is after the Note Date of 02-03-2021 - Due Diligence Vendor-10/24/2023

Resolved-Evidence that sufficient coverage was in place at time of disbursement provided. Condition cleared. - Due Diligence Vendor-11/08/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981918

Closed

2023-10-18 14:15

2023-11-08 19:06

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-11/08/2023 Resolved-Resolved - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Counter-The lender provided a COC reason of “Revision Requested by the Consumer”. Therefore, documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower requested the loan amount change and the date it was requested is required. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded. Invalid Finding: COC Cover letter uploaded - Buyer-10/25/2023 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($666.25). The actual total fee amount shows a credit amount of ($625.00). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)).   - Due Diligence Vendor-10/18/2023

Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-11/08/2023  Resolved-Resolved - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981918

Closed

2023-10-18 14:15

2023-11-08 19:06

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-11/08/2023 Resolved-Resolved - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Counter-The lender provided a COC reason of “Revision Requested by the Consumer”. Therefore, documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower requested the loan amount change and the date it was requested is required. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded. Invalid Finding: COC Cover letter uploaded - Buyer-10/25/2023 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($666.25). The Last CD shows a total lender credit amount of ($625.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)).   - Due Diligence Vendor-10/18/2023

Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-11/08/2023  Resolved-Resolved - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981658

Closed

2023-10-25 17:22

2023-10-31 19:07

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Hazard Insurance Coverage Amount of $394625 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Hazard Insurance Coverage Amount of $315700 is less than Total Amount of Subject Lien(s) of $XXX - Due Diligence Vendor-10/25/2023

Resolved-Hazard Insurance Coverage Amount of $394625 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-10/31/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981577

Closed

2023-10-23 17:10

2023-11-07 18:09

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Updates AUS provided, DTI within guidelines. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI requiring resubmission to LP. DTI exceeds tolerance due to incorrect PITIA utilized. - Due Diligence Vendor-10/23/2023

ideline - 11/07/2023

Resolved-Updates AUS provided, DTI within guidelines. - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981577

Closed

2023-10-26 18:08

2023-11-07 18:02

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 41.46% is less than or equal to AUS DTI of 45% - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Audited DTI of 41.46% exceeds AUS DTI of 34%  (LP approved DTI of 31% + 3% DTI tolerance = 34% maximum). Lender used incorrect P&I payment for subject loan. - Due Diligence Vendor-10/26/2023

Resolved-Audited DTI of 41.46% is less than or equal to AUS DTI of 45% - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981525

Buyer

2023-10-24 14:24

2023-11-21 17:28

Unable to Resolve

3 - Material

Compliance

AbilityToRepay:PriceBased

Federal - General Qualified Mortgage Price-Based Limit (First Lien)

Unable to Resolve-Client acknowledged as unable to resolve. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve. - Buyer-11/21/2023 Counter-APR calculated as 5.371% as disclosed on Final CD.  Total finance charges calculated as $270,910.52 and Amount Financed calculated as $273,029.06 as disclosed on Final CD.  PPFCs totaling $11,020.94 included:  Discount Points of $5,325.94, Admin Fee of $1,595, Appraisal Processing Fee of $65, Processing Fees of $1,795, Settlement Fee of $370, Closing Protection Letter of $20, Inspection and Handling Fees of $1,850. - Due Diligence Vendor-11/13/2023 Open-The loan's (5.371%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.35%), which is the comparable average prime offer rate of (3.1%) plus 2.25. The System used the following date to perform the APOR index lookup (2021-10-20). The system added 2.25 to the comparable APOR because the ($284,050.00) note amount equals or exceeds ($110,260.00). The system used an interest rate of (4.5%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A))   - Due Diligence Vendor-11/13/2023 Ready for Review-Please provide APR calculation being used. Our LOS is returning a 5.34% APR when correctly excluding the administration fee from the APR.  - Buyer-11/11/2023 Counter-The only fees included in the QM APR testing is $1,715 in Processing Fees and $5,325.94 in Discount Points. Condition maintained. - Due Diligence Vendor-11/10/2023 Ready for Review-The Administration Fee is a construction Only fee and should not be included in the APR calculation for the permanent phase. APR when removing administration fee is 5.340% and under the priced based limit.  - Buyer-11/10/2023 Counter-Disclosed APR of 5.37% is > the QM threshold of 5.35% which is the APOR of 3.1% + 2.25%. No points can be deemed bona fide. No Cure. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-The loan's (5.372%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.35%), which is the comparable average prime offer rate of (3.1%) plus 2.25. The System used the following date to perform the APOR index lookup (2021-10-20). The system added 2.25 to the comparable APOR because the ($284,050.00) note amount equals or exceeds ($110,260.00). The system used an interest rate of (4.5%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) . - Due Diligence Vendor-10/24/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981525

Closed

2023-11-21 01:43

2023-11-21 01:43

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

SC

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981525

Closed

2023-10-24 13:45

2023-11-21 01:41

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-BPO received. BPO supports origination value. Address listed as XXX Parcel and Legal description is a match for the subject property. Condition Cleared. - Due Diligence Vendor-11/21/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-BPO received. BPO supports origination value. Address listed as XXX. Parcel and Legal description is a match for the subject property. Condition Cleared. - Due Diligence Vendor-11/21/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981525

Closed

2023-10-24 14:24

2023-11-09 18:13

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided valid COC and missing CD. Condition cleared. - Due Diligence Vendor-11/09/2023 Resolved- - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter- - Due Diligence Vendor-10/30/2023 Counter-Since the COC is Revision Requested by the Consumer, please provided documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower requested the program change and the date it was requested. Condition maintained. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded. Document Uploaded.  - Buyer-10/27/2023 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated 09/01/2021, does not reflect a discount fee. The Final CD dated 11/30/2021 reflects a Discount Fee of $5,325.94. The CD reflecting the increase, dated 11/30/2021 was not dated within 3 days of the valid COC, changing the program from DU to LP, which occurred on 11/22/2022. This finding is outside the statute of limitations and will be rated B for all agencies. - Due Diligence Vendor-10/25/2023

Resolved-Lender provided valid COC and missing CD. Condition cleared. - Due Diligence Vendor-11/09/2023  Resolved- - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981525

Closed

2023-10-24 14:24

2023-11-09 18:13

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided valid COC and missing CD. Condition cleared. - Due Diligence Vendor-11/09/2023 Resolved- - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter- - Due Diligence Vendor-10/30/2023 Counter-Since the COC is Revision Requested by the Consumer, please provided documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower requested the program change and the date it was requested. Condition maintained. Note: This finding is outside the statute of limitations and will be rated B for all agencies. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 09/01/2021, does not reflect a discount fee. The Final CD dated 11/30/2021 reflects a Discount Fee of $5,325.94. The CD reflecting the increase, dated 11/30/2021 was not dated within 3 days of the valid COC, changing the program from DU to LP, which occurred on 11/22/2022. This finding is outside the statute of limitations and will be rated B for all agencies. - Due Diligence Vendor-10/25/2023

Resolved-Lender provided valid COC and missing CD. Condition cleared. - Due Diligence Vendor-11/09/2023  Resolved- - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981525

Closed

2023-10-24 14:24

2023-11-09 18:12

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided valid COC and missing CD. Condition cleared. - Due Diligence Vendor-11/09/2023 Resolved- - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter- - Due Diligence Vendor-10/30/2023 Counter-Since the COC is Revision Requested by the Consumer, please provided documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower requested the program change and the date it was requested. Condition maintained. Note: This finding is outside the statute of limitations and will be rated B for all agencies. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($1,775.31). The actual total fee amount shows a credit amount of ($0.00). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated 10/20/2021, reflects a general Lender Credit of $1,775.00 in Section J.  The Final CD dated 11/30/2021 reflects a general Lender Credit of $0.00 in Section J. The CD reflecting the decrease, dated 11/30/2021 was not dated within 3 days of the valid COC, changing the program from DU to LP, which occurred on 11/22/2022. This finding is outside the statute of limitations and will be rated B for all agencies. - Due Diligence Vendor-10/25/2023

Resolved-Lender provided valid COC and missing CD. Condition cleared. - Due Diligence Vendor-11/09/2023  Resolved- - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981525

Closed

2023-10-24 14:24

2023-11-09 18:12

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided valid COC and missing CD. Condition cleared. - Due Diligence Vendor-11/09/2023 Resolved- - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter- - Due Diligence Vendor-10/30/2023 Counter-Since the COC is Revision Requested by the Consumer, please provided documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LO notes in LOS evidencing the borrower requested the program change and the date it was requested. Condition maintained. Note: This finding is outside the statute of limitations and will be rated B for all agencies. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,775.31). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated 10/20/2021, reflects a general Lender Credit of $1,775.00 in Section J.  The Final CD dated 11/30/2021 reflects a general Lender Credit of $0.00 in Section J. The CD reflecting the decrease, dated 11/30/2021 was not dated within 3 days of the valid COC, changing the program from DU to LP, which occurred on 11/22/2022. This finding is outside the statute of limitations and will be rated B for all agencies. - Due Diligence Vendor-10/25/2023

Resolved-Lender provided valid COC and missing CD. Condition cleared. - Due Diligence Vendor-11/09/2023  Resolved- - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982092

Closed

2023-10-20 13:20

2023-10-30 18:43

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982097

Closed

2023-11-07 21:22

2023-11-07 21:22

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982097

Closed

2023-10-18 17:39

2023-11-07 21:21

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981790

Closed

2023-10-13 19:54

2023-11-22 17:33

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage/Deed of Trust

Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/22/2023 Resolved-Mortgage/DOT received.  - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-The Deed of Trust is Missing - Due Diligence Vendor-10/14/2023

Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/22/2023  Resolved-Mortgage/DOT received.  - Due Diligence Vendor-10/25/2023

XX.pdf

LA

Investment

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981474

Closed

2023-10-31 21:29

2023-11-08 15:57

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Evidence of satisfaction provided. No requirement for VOM based on date of satisfaction. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Borrowers own vacant land not listed on final 1003. Property report reflects borrowers purchased 01/08/2016 with loan for $80,000 with no verification of payment history or evidence that property is owned free and clear. Please provide verification of this mortgage per selling guide or evidence owned free and clear. Additional conditions may apply. - Due Diligence Vendor-10/31/2023

Resolved-Evidence of satisfaction provided. No requirement for VOM based on date of satisfaction. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

TN

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981250

Closed

2023-10-13 15:02

2023-11-10 16:53

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 29.52% is less than or equal to AUS DTI of 32.87% - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-Lease agreement provided, but lease agreement was dated 3 months after closing. Property was acquired by borrower on 12/18/2019. Please provide prior year Schedule E or copy of lease agreement from time of loan and evidence that borrower qualified for exception to use lease agreement. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Audited DTI of 43.2% exceeds AUS DTI of 32.87% (DU approved DTI of 29.87% + 3% DTI tolerance = 32.87% maximum). Missing documentation to evidence rental income for property disclosed on line 3A of final 1003. - Due Diligence Vendor-10/23/2023

Resolved-Audited DTI of 29.52% is less than or equal to AUS DTI of 32.87% - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

TN

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981250

Closed

2023-10-13 15:12

2023-11-10 16:52

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-2021 1040 provided to support qualifying rental income. Income recalculated and no DTI violation requiring resubmission. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-Lease agreement provided, but lease agreement was dated 3 months after closing. Property was acquired by borrower on 12/XX/2019. Please provide prior year Schedule E or copy of lease agreement from time of loan and evidence that borrower qualified for exception to use lease agreement. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Invalid AUS due DTI exceeds maximum allowed per AUS.  Missing documentation to evidence rental income for property disclosed on line 3A of the final 1003. - Due Diligence Vendor-10/23/2023

Resolved-2021 1040 provided to support qualifying rental income. Income recalculated and no DTI violation requiring resubmission. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf XX.pdf

TN

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981250

Closed

2023-10-23 15:24

2023-11-10 16:51

Resolved

1 - Information

Credit

Missing Doc

Missing Rental Income Documentation for REO

Resolved-2021 1040 provided to support qualifying rental income. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-Lease agreement provided, but lease agreement was dated 3 months after closing. Property was acquired by borrower on 12/XX/2019. Please provide prior year Schedule E or copy of lease agreement from time of loan and evidence that borrower qualified for exception to use lease agreement. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Missing Rental Income Documentation for REO listed on the application. Loan file is missing documentation to evidence rental income for property disclosed on line 3A of the final 1003. - Due Diligence Vendor-10/23/2023

Resolved-2021 1040 provided to support qualifying rental income. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf

TN

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981250

Closed

2023-10-23 17:19

2023-11-10 16:51

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-Lease agreement provided, but lease agreement was dated 3 months after closing. Property was acquired by borrower on 12/XX/2019. Please provide prior year Schedule E or copy of lease agreement from time of loan and evidence that borrower qualified for exception to use lease agreement. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/23/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf XX.pdf

TN

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981250

Closed

2023-10-23 17:19

2023-11-10 16:51

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-Lease agreement provided, but lease agreement was dated 3 months after closing. Property was acquired by borrower on 12/18/2019. Please provide prior year Schedule E or copy of lease agreement from time of loan and evidence that borrower qualified for exception to use lease agreement. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-10/23/2023

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf XX.pdf

TN

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981720

Closed

2023-10-10 18:09

2023-10-31 13:35

Resolved

1 - Information

Credit

Insurance

HO6 Insurance Policy Effective Date is after the Note Date

Resolved-Master insurance policy was included in file for attached PUD which satisfies selling guide coverage requirement. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-HO-6 Insurance Policy Effective Date of 08-XX-2022 is after the Note Date of 08-XX-2022. The loan funded 8-XX-2022. - Due Diligence Vendor-10/24/2023

Resolved-Master insurance policy was included in file for attached PUD which satisfies selling guide coverage requirement. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf

TN

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981720

Closed

2023-10-24 16:15

2023-10-27 20:56

Resolved

1 - Information

Credit

Missing Doc

Missing purchase contract - addendums

Resolved-Addendum to Purchase Contract received.  Purchase price at $XXXX, matches CD.  Condition Cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-All addendums to the purchase contract were not provided The purchase contract sales price does not match the final CD or DU. Additional conditions may apply. - Due Diligence Vendor-10/24/2023

Resolved-Addendum to Purchase Contract received.  Purchase price at $338665, matches CD.  Condition Cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

TN

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981720

Closed

2023-10-10 18:09

2023-10-27 20:49

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/10/2023

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023

XX.pdf

TN

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981720

Closed

2023-10-10 20:23

2023-10-27 20:49

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023 Open-Missing hazard insurance policy on primary residence. - Due Diligence Vendor-10/10/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023

TN

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981850

Closed

2023-11-07 21:26

2023-11-07 21:26

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981850

Closed

2023-10-24 17:22

2023-11-07 21:26

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA Received.  Value within tolerance.  Condition Cleared. - Due Diligence Vendor-11/07/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-CDA Received.  Value within tolerance.  Condition Cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981850

Closed

2023-10-10 15:33

2023-10-31 13:38

Resolved

1 - Information

Credit

Missing Doc

Incomplete Mortgage/Deed of Trust

Resolved-Complete DOT provided. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-The Deed of Trust is Incomplete Page 3 of the Mortgage is missing.  - Due Diligence Vendor-10/10/2023

Resolved-Complete DOT provided. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981863

Closed

2023-10-10 17:55

2023-11-10 21:55

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Lender provided PCCD to cure, however, this is unacceptable. Allocated the general lender credit toward non-reoccurring fees then finance charges which affords an amount acceptable to clear the finding. Condition cleared. - Due Diligence Vendor-11/10/2023 Resolved-Resolved - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded. Please see attached PCCD, correctly allocating 10k lender credit to the lender fees. This credit existed prior to close, once correctly allocated to the lender fees, this is not a high cost loan.  - Buyer-11/10/2023 Open-The loan fees ($12,999.93) exceed the (QM) (Note Amount >=$114,847.00) fee limit, which is 3% of the Total Loan Amount ($12,336.14), the difference is ($663.79). (12 CFR 1026.43(e)(3). Cure of $672.27 provided on 12/08/2022.  However, sunset date for the QM Rule’s provision allowing creditors to cure loans that exceed the rule’s limitation on points and fees had passed.  Cure only available within 210 days from consummation for transactions consummated from 11/03/2014 to 01/10/2021. - Due Diligence Vendor-10/10/2023

Resolved-Lender provided PCCD to cure, however, this is unacceptable. Allocated the general lender credit toward non-reoccurring fees then finance charges which affords an amount acceptable to clear the finding. Condition cleared. - Due Diligence Vendor-11/10/2023  Resolved-Resolved - Due Diligence Vendor-11/10/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981321

Buyer

2023-10-17 12:24

2023-11-21 18:06

Unable to Resolve

3 - Material

Credit

Missing Doc

AUS Not Provided

Unable to Resolve-Client acknowledged as unable to resolve. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve - Buyer-11/21/2023 Counter-DU submission #9 provided with Approve/Eligible as Detached property but file contains DU submission #11 with Refer with Caution as manufactured. Loan is ineligible for delivery as DU underwritten loan.  Loan does not meet requirements of eligibility matrix due to DTI > 36%. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Missing AUS Loan file is missing a copy of DU approval with Approve Eligible recommendation.  Transmittal Summary present in the loan file indicates the loan was approved with DU Approve Eligible recommendation; however, the loan file only contains a post close DU with Refer with Caution recommendation.  Additional condition may apply upon receipt of required documention.   - Due Diligence Vendor-10/17/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981321

Closed

2023-10-17 13:05

2023-10-26 20:43

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU/LCA score was indeterminate. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981298

Closed

2023-10-10 17:06

2023-11-23 22:09

Acknowledged

2 - Non-Material

Compliance

Mavent

Fees: Limited

Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/13/2023 Ready for Review-OTHL Acknowledges this finding. - Buyer-11/10/2023 Counter-COC dated 05/XX/2022 provided reflecting increase in fees based on rate dependent charges, but no subsequent CD was issued until final CD dated 06/XX/202. Loan file contains initial CD dated 05/XX/2022 and final CD dated 06/XX/2022. Condition remains. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Counter-Lender provided rate lock agreement dated 03/XX/2022. Discount Points increased from $5,581.42 on the initial CD to $6,458.68 on the final CD without a valid COC. Note: This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-10/10/2023

Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Purchase

NA

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981298

Closed

2023-10-10 17:06

2023-11-23 22:09

Acknowledged

2 - Non-Material

Compliance

Mavent

Fees: Limited

Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/13/2023 Ready for Review-OTHL Acknowledges this finding. - Buyer-11/10/2023 Counter-COC dated 05/XX/2022 provided reflecting increase in fees based on rate dependent charges, but no subsequent CD was issued until final CD dated 06/XX/202. Loan file contains initial CD dated 05/XX/2022 and final CD dated 06/XX/2022. Condition remains. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Counter-Lender provided rate lock agreement dated 03/XX/2022. Discount Points increased from $5,581.42 on the initial CD to $6,458.68 on the final CD without a valid COC. Note: This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-10/10/2023

Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

SC

Primary Residence

Purchase

NA

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981298

Closed

2023-10-26 20:48

2023-10-26 20:48

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

SC

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981298

Closed

2023-10-18 22:31

2023-10-26 20:47

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981298

Closed

2023-10-10 20:40

2023-10-24 20:26

Resolved

1 - Information

Compliance

Disclosure

RESPA: Toolkit Not Provided Timely

Resolved-Lender provided evidence of delivery of the toolkit. Condition cleared. - Due Diligence Vendor-10/24/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-RESPA: Toolkit is not within three business days of Application Date 01/13/2022. - Due Diligence Vendor-10/10/2023

Resolved-Lender provided evidence of delivery of the toolkit. Condition cleared. - Due Diligence Vendor-10/24/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981973

Closed

2023-10-12 12:36

2023-10-31 16:29

Resolved

1 - Information

Credit

Missing Doc

Missing Power of Attorney

Resolved-Specific POA provided for subject transaction. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Power of Attorney missing from loan file.  - Due Diligence Vendor-10/12/2023

Resolved-Specific POA provided for subject transaction. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981656

Closed

2023-10-11 18:16

2023-10-30 20:20

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/30/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for South Carolina XXX (DR-4677-SC). - Due Diligence Vendor-10/17/2023

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981656

Closed

2023-10-26 20:51

2023-10-26 20:51

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

SC

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981656

Closed

2023-10-11 18:05

2023-10-26 20:50

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981579

Closed

2023-10-12 16:32

2023-11-07 21:29

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/12/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981722

Closed

2023-11-07 18:57

2023-11-07 18:57

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/07/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981722

Closed

2023-10-11 16:18

2023-10-30 21:11

Resolved

1 - Information

Property

Property

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

Resolved-2055 obtained on 10/26/2023.  No Damage Noted. - Due Diligence Vendor-10/30/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for South Carolina XXX (DR-4677-SC). - Due Diligence Vendor-10/24/2023

Resolved-2055 obtained on 10/26/2023.  No Damage Noted. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981722

Closed

2023-10-12 14:02

2023-10-30 21:07

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/12/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982166

Buyer

2023-10-11 20:12

2023-11-27 15:01

Unable to Resolve

3 - Material

Compliance

QM-ATR

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

Unable to Resolve-Client acknowledged as unable to resolve. - Due Diligence Vendor-11/27/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve.  - Buyer-11/24/2023 Open-2020 and 2021 tax returns required for co-borrower employed by family-owned business. Additional risk factors do not support downgrade to non-material:  49.40% DTI, co-borrower disclosed ownership of business on 1003. Condition remains. - Due Diligence Vendor-11/22/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve; however, we will this finding is non-material based on the following compensating factors: Reserves > $44K CLTV < 65% Residual income $5K per month Job stability B 4 yrs/CB 8 yrs - Buyer-11/21/2023 Counter-Per Fannie Mae Seller Guide Chapter B3-3.1-01, the lender must obtain copies of the borrower's signed federal income tax returns filed with the IRS for the past two years, if the borrower is employed by family members. Please provided 2021 and 2020 Personal Tax Returns for Borrower 2. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-2019 Personal Tax Returns provided for Borrower 2. Per Fannie Mae Seller Guide Chapter B3-3, the lender must obtain copies of the borrower's signed federal income tax returns filed with the IRS for the past two years, if the borrower is employed by family members. Please provided 2021 and 2020 Personal Tax Returns for Borrower 2. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing Co-Borrower's two year tax returns.  - Due Diligence Vendor-10/11/2023

XX.pdf XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982166

Buyer

2023-10-11 20:11

2023-11-27 15:00

Unable to Resolve

3 - Material

Credit

Missing Doc

Borrower 2 Personal Tax Returns Missing

Unable to Resolve-Client acknowledged as unable to resolve. - Due Diligence Vendor-11/27/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve.  - Buyer-11/24/2023 Open-2020 and 2021 tax returns required for co-borrower employed by family-owned business. Additional risk factors do not support downgrade to non-material:  49.40% DTI, co-borrower disclosed ownership of business on 1003. Condition remains. - Due Diligence Vendor-11/22/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve; however, we will this finding is non-material based on the following compensating factors: Reserves > $44K CLTV < 65% Residual income $5K per month Job stability B 4 yrs/CB 8 yrs - Buyer-11/21/2023 Counter-Per Fannie Mae Seller Guide Chapter B3-3.1-01, the lender must obtain copies of the borrower's signed federal income tax returns filed with the IRS for the past two years, if the borrower is employed by family members. Please provided 2021 and 2020 Personal Tax Returns for Borrower 2. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-2019 Personal Tax Returns provided for Borrower 2. Per Fannie Mae Seller Guide Chapter B3-3, the lender must obtain copies of the borrower's signed federal income tax returns filed with the IRS for the past two years, if the borrower is employed by family members. Please provided 2021 and 2020 Personal Tax Returns for Borrower 2. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Borrower 2 Personal Tax Returns Missing Co-Borrower is employed by family.  Per Fannie Mae Seller Guide Chapter B3-3, the lender must obtain copies of the borrower's signed federal income tax returns filed with the IRS for the past two years, if the borrower is employed by family members.  The loan file contained only the Co-Borrower's 2019 tax returns.  Provide copy of the Co-Borrower's 2021 and 2020 personal tax returns or evidence that an extension(s) have been filed.  - Due Diligence Vendor-10/11/2023

XX.pdf XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982166

Closed

2023-10-11 20:26

2023-11-06 20:26

Resolved

1 - Information

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Resolved-Lender provided a signed ABD. Condition cleared. - Due Diligence Vendor-11/06/2023 Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Counter-AfBA provided was executed by borrower only, not co-borrower. Condition remains. - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded. ABA uploaded 11/1 - Buyer-11/01/2023 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/11/2023

Resolved-Lender provided a signed ABD. Condition cleared. - Due Diligence Vendor-11/06/2023  Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-11/06/2023

XX.pdf XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982166

Closed

2023-10-18 22:39

2023-10-26 20:54

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  AVM in file exceeded 10% tolerance.  CDA or Field Review is required. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982166

Closed

2023-10-11 18:54

2023-10-26 19:46

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.   No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Florida Hurricane Ian (DR-4673-FL). - Due Diligence Vendor-10/18/2023

Resolved-Post incident inspection provided.   No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982166

Closed

2023-10-11 20:43

2023-10-20 14:15

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-Borrower ID provided. Finding is resolved.  - Due Diligence Vendor-10/20/2023 Ready for Review-Document Uploaded.  - Buyer-10/19/2023 Open-Borrower 1 identification not provided. - Due Diligence Vendor-10/11/2023

Resolved-Borrower ID provided. Finding is resolved.  - Due Diligence Vendor-10/20/2023

XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982166

Closed

2023-10-11 20:43

2023-10-20 14:14

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 2

Resolved-Borrower ID provided. Finding is resolved.  - Due Diligence Vendor-10/20/2023 Ready for Review-Document Uploaded.  - Buyer-10/19/2023 Open-Borrower 2 identification not provided. - Due Diligence Vendor-10/11/2023

Resolved-Borrower ID provided. Finding is resolved.  - Due Diligence Vendor-10/20/2023

XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982166

Closed

2023-10-11 20:23

2023-10-18 22:43

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies.   - Due Diligence Vendor-10/11/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies.   - Due Diligence Vendor-10/11/2023

FL

Primary Residence

Refinance

Cash Out - Other

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981696

Closed

2023-10-12 14:57

2023-11-22 13:53

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Simultaneous Loan Payment does not meet requirements

Resolved-Simultaneous Lien Note received.  - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-ATR Risk - Simultaneous Loan Payment does not meet requirements Simultaneous Lien Note to verify terms is missing from loan file.   - Due Diligence Vendor-10/12/2023

Resolved-Simultaneous Lien Note received.  - Due Diligence Vendor-10/25/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981696

Closed

2023-10-12 14:08

2023-10-26 20:58

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981696

Closed

2023-10-12 15:05

2023-10-26 19:48

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.    No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for South Carolina XXX (DR-4677-SC). - Due Diligence Vendor-10/18/2023

Resolved-Post incident inspection provided.    No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981696

Closed

2023-10-12 15:02

2023-10-25 19:29

Resolved

1 - Information

Credit

Closing

Simultaneous Lien Note status is missing

Resolved-Simultaneous Lien Note received.  - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Simultaneous Lien Note status is missing Simultaneous Lien Note to verify terms is missing from loan file.   - Due Diligence Vendor-10/12/2023

Resolved-Simultaneous Lien Note received.  - Due Diligence Vendor-10/25/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981909

Closed

2023-10-13 18:02

2023-10-26 19:52

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.    No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for South Carolina XXX (DR-4677-SC). - Due Diligence Vendor-10/17/2023

Resolved-Post incident inspection provided.    No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982032

Closed

2023-10-16 19:12

2023-10-26 19:54

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.    No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for South Carolina XXX (DR-4677-SC). - Due Diligence Vendor-10/17/2023

Resolved-Post incident inspection provided.    No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981893

Closed

2023-10-11 19:49

2023-10-30 21:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/12/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981893

Closed

2023-10-11 11:59

2023-10-19 15:07

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage/Deed of Trust

Resolved-The Deed of Trust is Present - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-The Deed of Trust is Missing A Mortgage/Deed of Trust with borrower signature was not provided.  - Due Diligence Vendor-10/11/2023

Resolved-The Deed of Trust is Present - Due Diligence Vendor-10/19/2023

XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981893

Seller

2023-10-30 21:22

2023-11-21 16:57

Counter

3 - Material

Property

Value

Missing Post Close Valuation - 2

Counter-Post Close Valuation - 1 is a 2055 that does not support value within -10% variance.  A new 2055 cannot be considered/utilized for Post Close Valuation - 2.  A full appraisal is required. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/20/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. 2055 provides a value of $532,000 and does not support origination value within 10%.  Variance of 18.15%. - Due Diligence Vendor-10/30/2023

XX.pdf

FL

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981907

Closed

2023-10-13 13:00

2023-10-26 19:56

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for South Carolina XXX (DR-4677-SC). - Due Diligence Vendor-10/17/2023

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

SC

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981907

Closed

2023-10-13 13:09

2023-10-20 14:17

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/20/2023 Ready for Review-Document Uploaded.  - Buyer-10/19/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/13/2023

Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/20/2023

XX.pdf

SC

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981716

Closed

2023-10-13 14:47

2023-10-24 20:32

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/24/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/13/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/24/2023

XX.pdf

SC

Investment

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981581

Closed

2023-10-12 13:26

2023-10-31 16:17

Resolved

1 - Information

Credit

Missing Doc

The Final 1003 is Incomplete

Resolved-Complete final 1003 provided. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Section 7-Military Service is not completed.  - Due Diligence Vendor-10/12/2023

Resolved-Complete final 1003 provided. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981699

Closed

2023-10-26 21:02

2023-10-26 21:02

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

TX

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981699

Closed

2023-10-11 15:50

2023-10-26 21:01

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981543

Buyer

2023-10-12 18:16

2023-11-21 18:04

Unable to Resolve

3 - Material

Compliance

TRID

Initial Closing Disclosure timing requirement not met

Unable to Resolve-Client acknowledged as unable to resolve. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve. - Buyer-11/21/2023 Counter-Lender provided CD dated same day as closing. Please provided initial CD. Condition maintained. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-10/12/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981543

Closed

2023-10-12 16:48

2023-11-22 22:07

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Resolved-2055 Received.  Value supported by Secondary Valuation. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023  Resolved-2055 Received.  Value supported by Secondary Valuation. - Due Diligence Vendor-10/30/2023

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981543

Closed

2023-10-30 21:42

2023-10-30 21:42

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

TX

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981272

Closed

2023-10-16 14:11

2023-10-25 19:31

Resolved

1 - Information

Credit

Missing Doc

Missing Power of Attorney

Resolved-POA received.  - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-B1 documents signed by power of attorney. POA document missing from loan file.  - Due Diligence Vendor-10/16/2023

Resolved-POA received.  - Due Diligence Vendor-10/25/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981419

Closed

2023-10-30 21:33

2023-10-30 21:33

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

TX

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981419

Closed

2023-10-12 13:40

2023-10-30 21:32

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981767

Closed

2023-10-20 12:58

2023-11-13 17:46

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Insurance for REO

Resolved-Evidence provided that hazard insurance included in escrowed payment. Condition cleared. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded. Please see attached Property Profile and HOI policy supporting monthly escrow amount of $993.02 ($1,677.65/yr HOI and $10,238.55/yr Taxes). Also see Wells Fargo statement showing escrow amount of $1,023.4, supporting that both property taxes (over-estimated) and HOI are included in the escrow payment on REO 3c.  - Buyer-11/11/2023 Counter-The HOI Policy provide is for Property 3a on the Application, we require the HOI Policy for Property 3c; the Wells Fargo statement for Property 3c does not indicate whether both taxes and insurance are escrowed. Condition Remain.  - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-Wells Fargo mortgage statement provided does not specify whether both taxes and insurance are included in "escrows". Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Counter-Rocket Mortgage statement provided for property 3b on final 1003, but finding is for missing evidence of insurance for property 3c on final 1003 as Wells Fargo mortgage statement provided in file does not specify whether both taxes and insurance are included in "escrows". Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Provide evidence that both taxes and insurance are included in escrow payment for REO 3C which is borrower 3 primary residence. Mortgage statement provided in file does not specify whether both taxes and insurance are included in "escrows".  - Due Diligence Vendor-10/20/2023

Resolved-Evidence provided that hazard insurance included in escrowed payment. Condition cleared. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf

TX

Second Home

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981767

Closed

2023-10-16 14:41

2023-10-30 17:29

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Lender provided evidence of PAR. Condition cleared. - Due Diligence Vendor-10/30/2023 Resolved-Resolved - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-The loan fees ($6,246.50) exceed the (QM) (Note Amount >=$124,331.00) fee limit, which is 3% of the Total Loan Amount ($6,207.39), the difference is ($39.11). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-10/16/2023

Resolved-Lender provided evidence of PAR. Condition cleared. - Due Diligence Vendor-10/30/2023  Resolved-Resolved - Due Diligence Vendor-10/30/2023

XX.pdf

TX

Second Home

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981914

Closed

2023-10-24 22:06

2023-11-14 13:54

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Updated Uniform Underwriting and Transmittal Summary provided reflecting Manual Underwrite; condition resolved. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-The Audit DTI of 24.04% exceeds the AUS Approved DTI of 19.69% by more than 3%, per FNMA guidelines Section B3-2-10, re-submission is required when the DTI increases by more than 3%. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-1008 in file reflects approved DTI of 22.187% based on total debts of $2,403.55, but DU in file (submission #5, dated 07/06/2021) reflects approved DTI of 19.69% based on total debts of $2,133.55.  Lender also calculated co-borrower's base monthly income incorrectly as $10,833, but co-borrower's actual base monthly income is $10,000. Co-borrower is paid semi-monthly, not bi-weekly per paystubs in file. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-DTI is within the tolerance as per Final AUS the total Expense Payments are $2,133.55 + $270  = $2,403.55/$10,833.33 (Qualifying Income per DU and 1003) = 22.187% within the 3% variance.  - Buyer-11/06/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI requiring resubmission to DU. - Due Diligence Vendor-10/24/2023

Resolved-Updated Uniform Underwriting and Transmittal Summary provided reflecting Manual Underwrite; condition resolved. - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf

ID

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981914

Closed

2023-10-24 18:38

2023-11-14 13:52

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Updated Uniform Underwriting and Transmittal Summary provided reflecting Manual Underwrite; condition resolved. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-The Audit DTI of 24.04% exceeds the AUS Approved DTI of 19.69% by more than 3%, per FNMA guidelines Section B3-2-10, re-submission is required when the DTI increases by more than 3%. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-1008 in file reflects approved DTI of 22.187% based on total debts of $2,403.55, but DU in file (submission #5, dated 07/06/2021) reflects approved DTI of 19.69% based on total debts of $2,133.55.  Lender also calculated co-borrower's base monthly income incorrectly as $10,833, but co-borrower's actual base monthly income is $10,000. Co-borrower is paid semi-monthly, not bi-weekly per paystubs in file. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-DTI is within the tolerance as per Final AUS the total Expense Payments are $2,133.55 + $270  = $2,403.55/$10,833.33 (Qualifying Income per DU and 1003) = 22.187% within the 3% variance.  - Buyer-11/06/2023 Open-Audited DTI of 24.04% exceeds AUS DTI of 22.69% . (DU approved DTI of 19.69% + 3% tolerance = 22.69% maximum). The DU omitted monthly payment of $270 for new installment loan opened 05/2021. - Due Diligence Vendor-10/24/2023

Resolved-Updated Uniform Underwriting and Transmittal Summary provided reflecting Manual Underwrite; condition resolved. - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf

ID

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981340

Closed

2023-10-11 00:04

2023-10-31 15:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved- - Due Diligence Vendor-10/31/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/12/2023

Resolved-  - Due Diligence Vendor-10/31/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981340

Closed

2023-10-11 00:23

2023-10-20 14:28

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/20/2023 Ready for Review-Document Uploaded.  - Buyer-10/19/2023 Open-Missing Flood Insurance Policy  - Due Diligence Vendor-10/11/2023

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/20/2023

XX.pdf

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981340

Seller

2023-10-26 22:21

2023-11-21 16:36

Counter

3 - Material

Property

Value

Missing Post Close Valuation - 2

Counter-Updated 2055 received with value of $525,000 which results in a variance greater than 10%.  Additionally, Post Close Valuation - 1 is a 2055 that does not support value within -10% variance.  A new 2055 cannot be considered/utilized for Post Close Valuation - 2.  A full appraisal is required. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Open-2055 Received.  2055 provides value of $535,000 which results in a variance greater than 10%.   - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. 2055 received.  Appraisal value of $535,000 greater than 10% variance from the value used at origination. - Due Diligence Vendor-10/26/2023

XX.pdf

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981237

Buyer

2023-10-12 20:26

2023-11-21 17:22

Unable to Resolve

3 - Material

Compliance

QM-ATR

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

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding but will be unable to resolve - Buyer-11/21/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  Lender used a rental income of $3,208.75 that was not supported in file. The rental lease in file showed a monthly income of only $3,000. Also, the lender's calculation did not appear to include the mortgage payment on this property.  - Due Diligence Vendor-10/12/2023

OR

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981237

Buyer

2023-10-23 17:10

2023-11-21 17:22

Unable to Resolve

3 - Material

Credit

Closing

Invalid AUS

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding but will be unable to resolve - Buyer-11/21/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI requiring resubmission to DU. - Due Diligence Vendor-10/23/2023

OR

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981237

Buyer

2023-10-12 20:38

2023-11-21 17:21

Unable to Resolve

3 - Material

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding but will be unable to resolve - Buyer-11/21/2023 Open-Audited DTI of 53.68% exceeds AUS DTI of 41.56% (DU approved DTI of 38.56% + 3% DTI tolerance = 41.56% maximum). Lender used $3,208.75 for rental income. Audit calculated a rental income of only $5.02.  The lender's calculation does not appear to include the monthly mortgage payment for this property and the rental income used by the lender was not supported by the rental lease nor Schedule E in file.  - Due Diligence Vendor-10/12/2023

OR

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981237

Closed

2023-10-12 20:26

2023-11-09 21:48

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Asset statement in file was not sufficient. The asset statements belonging to account #1 on the loan application were not in the borrower's name.  - Due Diligence Vendor-10/12/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf

OR

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981237

Closed

2023-10-12 20:03

2023-11-09 21:27

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Document provided included upload error. Please re-upload asset clearing doc for review. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Asset Qualification Does Not Meet Guideline Requirements The bank statements for the 1st account listed on the 1003 were not in the borrower's name. The account holder was in the name of a LLC and the file did not contain any evidence the borrower had ownership in this company or that the borrower had full access to these assets. - Due Diligence Vendor-10/12/2023

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf

OR

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981237

Closed

2023-10-30 19:37

2023-10-30 19:37

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

OR

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981237

Closed

2023-10-12 19:17

2023-10-30 19:35

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No Variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/12/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No Variance. - Due Diligence Vendor-10/30/2023

OR

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981672

Closed

2023-10-30 21:48

2023-10-30 21:48

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

ID

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981672

Closed

2023-10-16 19:48

2023-10-30 21:47

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981491

Closed

2023-10-14 12:20

2023-10-30 19:40

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No Variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. No secondary valuation provided. - Due Diligence Vendor-10/20/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No Variance. - Due Diligence Vendor-10/30/2023

CO

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982190

Closed

2023-10-11 14:48

2023-11-02 22:35

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Final HUD/CD from sale provided. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Counter-Closing disclosure provided is a preliminary CD and unsigned. - Due Diligence Vendor-10/30/2023 Ready for Review-Please see uploaded document XXXX.pdf - Buyer-10/27/2023 Open-Final Hud-1,Closing documents, or other evidence of sale from property listed in position 3a on the application evidencing liens paid was not provided. Additional conditions may apply.  - Due Diligence Vendor-10/11/2023

Resolved-Final HUD/CD from sale provided. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982190

Closed

2023-10-13 17:01

2023-11-02 22:35

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Final HUD/CD from sale provided. Loan meets all ATR requirements. Condition cleared. - Due Diligence Vendor-11/02/2023 Counter- - Due Diligence Vendor-10/30/2023 Rejected-Closing disclosure provided is a preliminary CD and unsinged. - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/13/2023

Resolved-Final HUD/CD from sale provided. Loan meets all ATR requirements. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981830

Closed

2023-10-20 19:59

2023-10-27 21:06

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/27/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/20/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/27/2023

ID

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981830

Closed

2023-10-16 16:50

2023-10-27 21:05

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Co-borrower's income documented with 2 years K1 and 1040 for borrowers who have less than 25% ownership of a partnership per Selling Guide. Condition cleared. - Due Diligence Vendor-10/27/2023 Open-Income and Employment Do Not Meet Guidelines. Missing paystubs, W-2 and WVOE for B2. - Due Diligence Vendor-10/20/2023

Resolved-Co-borrower's income documented with 2 years K1 and 1040 for borrowers who have less than 25% ownership of a partnership per Selling Guide. Condition cleared. - Due Diligence Vendor-10/27/2023

ID

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981830

Closed

2023-10-16 16:50

2023-10-27 21:04

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Paystubs Missing

Resolved-Co-borrower's income documented with 2 years K1 and 1040 for borrowers who have less than 25% ownership of a partnership per Selling Guide. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-10/16/2023

Resolved-Co-borrower's income documented with 2 years K1 and 1040 for borrowers who have less than 25% ownership of a partnership per Selling Guide. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

ID

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981830

Closed

2023-10-16 16:50

2023-10-27 21:04

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 WVOE Missing

Resolved-Co-borrower's income documented with 2 years K1 and 1040 for borrowers who have less than 25% ownership of a partnership per Selling Guide. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Borrower 2 WVOE Missing - Due Diligence Vendor-10/16/2023

Resolved-Co-borrower's income documented with 2 years K1 and 1040 for borrowers who have less than 25% ownership of a partnership per Selling Guide. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

ID

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981830

Closed

2023-10-16 16:50

2023-10-27 21:03

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 W2/1099 Missing

Resolved-Co-borrower's income documented with 2 years K1 and 1040 for borrowers who have less than 25% ownership of a partnership per Selling Guide. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-10/16/2023

Resolved-Co-borrower's income documented with 2 years K1 and 1040 for borrowers who have less than 25% ownership of a partnership per Selling Guide. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

ID

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982033

Closed

2023-10-12 19:24

2023-11-22 22:01

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Resolved-2055 received.  Secondary valuation supports value.  Condition Cleared. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/12/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023  Resolved-2055 received.  Secondary valuation supports value.  Condition Cleared. - Due Diligence Vendor-10/30/2023

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982033

Closed

2023-10-30 21:56

2023-10-30 21:56

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

ID

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981523

Buyer

2023-10-16 15:17

2023-11-21 17:20

Unable to Resolve

3 - Material

Credit

Closing

Invalid AUS

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding but will be unable to resolve - Buyer-11/21/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-10/16/2023

ID

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981523

Buyer

2023-10-16 15:06

2023-11-21 17:20

Unable to Resolve

3 - Material

Compliance

QM-ATR

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

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding but will be unable to resolve - Buyer-11/21/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements. - Due Diligence Vendor-10/16/2023

ID

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981523

Buyer

2023-10-16 15:03

2023-11-21 17:20

Unable to Resolve

3 - Material

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding but will be unable to resolve - Buyer-11/21/2023 Open-Audited DTI of 51.37% exceeds AUS DTI of 44.17%  (DU approved DTI of 41.17% + 3% tolerance = 44.17% maximum). Per FNMA Guidelines, audit used 1% of outstanding balance. The lender used 0.5% of outstanding balance.  - Due Diligence Vendor-10/16/2023

ID

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981762

Closed

2023-10-24 15:55

2023-11-10 19:11

Cured

2 - Non-Material

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-The disclosed finance charge ($267,742.23) is ($1,014.91) below the actual finance charge($268,757.14). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1)  Lender did not include the Inspection / Handling fee of $1,850. - Due Diligence Vendor-10/24/2023

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982128

Closed

2023-10-10 18:46

2023-10-25 19:39

Resolved

1 - Information

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Resolved-Received.  - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/10/2023

Resolved-Received.  - Due Diligence Vendor-10/25/2023

XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981538

Closed

2023-10-30 22:11

2023-10-30 22:11

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981538

Closed

2023-10-11 13:01

2023-10-30 22:10

Resolved

1 - Information

Property

Property

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

Resolved-2055 received.  No Damage noted.  Condition Cleared. - Due Diligence Vendor-10/30/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for South Carolina XXX (DR-4677-SC). - Due Diligence Vendor-10/17/2023

Resolved-2055 received.  No Damage noted.  Condition Cleared. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981538

Closed

2023-10-11 12:59

2023-10-30 22:09

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981951

Closed

2023-11-07 19:04

2023-11-07 19:04

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/07/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/07/2023

TX

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981951

Closed

2023-10-26 17:04

2023-11-06 18:44

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981566

Seller

2023-10-13 19:12

2023-10-31 16:40

Counter

3 - Material

Property

Property

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

Counter-1004D dated 09/30/2021 provided, but FEMA disaster declared 09/21/2022. PDI has been ordered by Opus and will be reviewed once received. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Puerto Rico Hurricane XXX (DR-4671-PR). - Due Diligence Vendor-10/20/2023

XX.pdf

PR

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982034

Closed

2023-10-12 15:30

2023-11-23 22:10

Resolved

1 - Information

Compliance

NMLS

TILA: Originator Name and/or NMLS ID Not Disclosed on the Security Instrument

Resolved-Lender provided mortgage with ORIGINATOR NAME AND NMLS. Condition cleared. - Due Diligence Vendor-11/23/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Counter-Lender provided a copy of the mortgage; however, the ORIGINATOR NAME AND NMLS is missing. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-TILA: Originator Name and/or NMLS ID Not Disclosed on the Security Instrument - Due Diligence Vendor-10/12/2023

Resolved-Lender provided mortgage with ORIGINATOR NAME AND NMLS. Condition cleared. - Due Diligence Vendor-11/23/2023

XX.pdf XX.pdf

PR

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982034

Closed

2023-10-12 13:46

2023-11-17 17:25

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023

PR

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982034

Closed

2023-10-12 15:07

2023-11-09 20:33

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Cured-Lender provided Proof of Refund and Proof of Delivery to Borrower for the refund of the 10% tolerance violation. Lender also provided invoice for adding transfer taxes due to a recording of a deed. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter-Lender provided LOE and PCCD for refund of 10% fees. Also provided a COC for the transfer taxes which is insufficient as it does not state why transfer taxes were added on a refinance when the cash out lessened. Please provide 1) Proof of Refund, 2) Proof of Delivery to Borrower, and 3) Reason why transfer taxes were added on a refinance. Note: This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,042.32) were applied to the total fee variance of ($1,357.92) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The LE dated 02/03/2022 did not reflect any Transfer Taxes with no resulting COC for subsequent disclosures. The final Closing Disclosure reflects taxes in Section E of $329.00 resulting in a variance of $329.00.  Additionally, the baseline 10% fees reflected on the LE dated 02/03/2022, at 110% totaled $4,006.20, vs the 10% fees reflected on the Final CD totaling $5,032.37 which exceeds the allowable 10% tolerance by $1,026.17.  The loan file did not contain a valid COC to support the increase. No evidence of tolerance cure provided in file. Total tolerance cure of $1,355.17 is required.  The final CD reflects a tolerance cure of $1,042.32 which is insufficient by $312,.85.  Provide corrected CD, evidence of refund to the Borrower, letter of explanation and proof of delivery to the Borrower.  - Due Diligence Vendor-10/12/2023

Cured-Lender provided Proof of Refund and Proof of Delivery to Borrower for the refund of the 10% tolerance violation. Lender also provided invoice for adding transfer taxes due to a recording of a deed. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

PR

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982034

Closed

2023-10-12 15:07

2023-11-09 20:33

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Cured-Lender provided Proof of Refund and Proof of Delivery to Borrower for the refund of the 10% tolerance violation. Lender also provided invoice for adding transfer taxes due to a recording of a deed. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter-Lender provided LOE and PCCD for refund of 10% fees. Also provided a COC for the transfer taxes which is insufficient as it does not state why transfer taxes were added on a refinance when the cash out lessened. Please provide 1) Proof of Refund, 2) Proof of Delivery to Borrower, and 3) Reason why transfer taxes were added on a refinance. Note: This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,042.32) were applied to the total fee variance of ($1,357.92) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The LE dated 02/03/2022 did not reflect any Transfer Taxes with no resulting COC for subsequent disclosures. The final Closing Disclosure reflects taxes in Section E of $329.00 resulting in a variance of $329.00.  Additionally, the baseline 10% fees reflected on the LE dated 02/03/2022, at 110% totaled $4,006.20, vs the 10% fees reflected on the Final CD totaling $5,032.37 which exceeds the allowable 10% tolerance by $1,026.17.  The loan file did not contain a valid COC to support the increase. No evidence of tolerance cure provided in file. Total tolerance cure of $1,355.17 is required.  The final CD reflects a tolerance cure of $1,042.32 which is insufficient by $312,.85.  Provide corrected CD, evidence of refund to the Borrower, letter of explanation and proof of delivery to the Borrower.  - Due Diligence Vendor-10/12/2023

Cured-Lender provided Proof of Refund and Proof of Delivery to Borrower for the refund of the 10% tolerance violation. Lender also provided invoice for adding transfer taxes due to a recording of a deed. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

PR

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982034

Closed

2023-10-12 15:26

2023-11-08 19:17

Resolved

1 - Information

Credit

Missing Doc

HO-6 Insurance Policy is Missing

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-No additional documentation provided. Additional insurance docs provided for supplemental earthquake and wind coverage reflected prior Lender and loan number as mortgagee clause. Additionally, HO-6 coverage documents in file with Chubb Insurance is missing the effective dates and has the previous lender on the mortgagee clause. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Counter-Additional insurance docs provided for supplemental earthquake and wind coverage reflected prior Lender and loan number as mortgagee clause. Additionally, HO-6 coverage documents in file with Chubb Insurance is missing the effective dates and has the previous lender on the mortgagee clause. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-HO-6 Insurance Policy is Missing The HO-6 policy is missing the effective dates and has the previous lender on the mortgagee clause.   Also, the supplemental insurance (earthquake, wind, etc.) reflects the old loan number and previous lender.   - Due Diligence Vendor-10/12/2023

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/08/2023  Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/08/2023  Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf XX.pdf

PR

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982034

Closed

2023-10-12 13:49

2023-11-07 23:56

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/07/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Puerto Rico Hurricane XXX (DR-4671-PR). - Due Diligence Vendor-10/18/2023

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/07/2023

PR

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982034

Closed

2023-10-12 15:30

2023-10-30 17:39

Resolved

1 - Information

Compliance

NMLS

TILA: Lender Name and/or NMLS ID Not Disclosed on the Security Instrument

Resolved-Lender provided mortgage with LENDER NAME AND NMLS. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Counter-Lender provided a copy of the mortgage; however, the LENDER NAME AND NMLS is missing. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-TILA: Lender Name and/or NMLS ID Not Disclosed on the Security Instrument - Due Diligence Vendor-10/12/2023

Resolved-Lender provided mortgage with LENDER NAME AND NMLS. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf XX.pdf

PR

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981238

Closed

2023-10-19 17:14

2023-11-17 17:28

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/19/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023

PR

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981238

Seller

2023-10-19 17:55

2023-10-19 19:00

Open

3 - Material

Property

Property

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

Open-Subject property is in recent disaster area and there is no post incident inspection. Individual assistance noted for subject county for Puerto Rico Hurricane XXX (DR-4671-PR).  - Due Diligence Vendor-10/19/2023

PR

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981403

Closed

2023-10-14 07:34

2023-11-09 22:04

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Document provided included upload error. Please re-upload appraisal comp cert for review. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis . Missing comp cert for subject to appraisal. - Due Diligence Vendor-10/14/2023

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/09/2023

XX.pdf

PR

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981403

Seller

2023-10-14 07:34

2023-11-09 22:07

Counter

3 - Material

Property

Value

Missing Post Close Valuation - 1

Counter-1004D provided, but finding is for secondary valuation product to meet rating agency requirements which will be reviewed upon receipt. Condition remains. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. No secondary valuation provided. - Due Diligence Vendor-10/17/2023

XX.pdf

PR

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982158

Closed

2023-10-20 16:25

2023-11-21 01:20

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/20/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

PR

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982158

Closed

2023-10-20 20:49

2023-11-10 16:21

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-Income worksheet and SSA Award Letter provided. Co-borrower was qualified with social security income for benefit of another in the amount of $945.25 per month. File contains award letter to document income. Per DU #17, proof of current receipt and evidence of 3 year continuance is also required which is missing from loan file. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Counter-Income worksheet and final DU provided.  Co-borrower was qualified with social security income for benefit of another in the amount of $945.25 per month. File contains award letter to document income. Per DU #17, proof of current receipt and evidence of 3 year continuance is also required which is missing from loan file. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . There is no proof of income for Borrower 2 for tip income used to qualify. - Due Diligence Vendor-10/20/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf

PR

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982158

Closed

2023-10-16 17:31

2023-11-10 16:21

Resolved

1 - Information

Credit

Missing Doc

Missing Proof of Other Income - Tips (Borrower 2)

Resolved-Evidence of continuance provided. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-Income worksheet and SSA Award Letter provided. Co-borrower was qualified with social security income for benefit of another in the amount of $945.25 per month. File contains award letter to document income. Per DU #17, proof of current receipt and evidence of 3 year continuance is also required which is missing from loan file. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Counter-Income worksheet and final DU provided.  Co-borrower was qualified with social security income for benefit of another in the amount of $945.25 per month. File contains award letter to document income. Per DU #17, proof of current receipt and evidence of 3 year continuance is also required which is missing from loan file. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Verification of Tip income is required.  There is no proof of income for Borrower 2 for tip income used to qualify.  No 1099 in file. The AUS required verification of all of the following documents when social security is for the benefit of another person:  A copy of the award letter, Proof of current receipt and documentation to confirm a three-year continuance. The file was missing proof of current receipt and documentation to confirm a three-year continuance.  - Due Diligence Vendor-10/16/2023

Resolved-Evidence of continuance provided. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf

PR

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982158

Closed

2023-10-16 17:20

2023-11-01 21:41

Resolved

1 - Information

Compliance

NMLS

TILA: Lender Name and/or NMLS ID Not Disclosed on the Note

Resolved-Allonge to Note notarized at origination included NMLS ID. Condition cleared. - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded. AK Lawyers has provided an Allonge to the Note to mitigate the missing Lender NMLSR ID on the Note. Allonge attached - Buyer-11/01/2023 Counter-The lender provided a copy of the Note; however, the LENDER NMLS is missing. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded. please see page 5 - Buyer-10/25/2023 Open-TILA: Lender Name and/or NMLS ID Not Disclosed on the Note Lender NMLS not disclosed on the Note. - Due Diligence Vendor-10/16/2023

Resolved-Allonge to Note notarized at origination included NMLS ID. Condition cleared. - Due Diligence Vendor-11/01/2023

XX.pdf XX.pdf

PR

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981714

Closed

2023-10-26 21:05

2023-10-26 21:05

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

NC

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981714

Closed

2023-10-13 14:30

2023-10-26 21:04

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

NC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981473

Closed

2023-10-26 21:09

2023-10-26 21:09

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-10/26/2023

OK

Second Home

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981473

Closed

2023-10-13 18:41

2023-10-26 21:09

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU and LCA score are 5 and not eligible for reps & warrant relief.   - Due Diligence Vendor-10/16/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

OK

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981921

Closed

2023-10-23 15:30

2023-10-31 18:20

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf

FL

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981796

Closed

2023-10-19 18:02

2023-11-14 22:25

Resolved

1 - Information

Credit

Missing Doc

Mortgage Insurance Cert Missing

Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided or Mortgage Insurance is not Present - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Counter-Same MI cert from file provided. MI cert provided reflects commitment date of 12/19/2022 with monthly premium of $234.56, but final CD dated 07/12/2021 reflects monthly MI of $242.94. MI cert from origination required for compliance testing. Condition remains. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Document upload included error.  Please re-upload for review. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing MI cert monthly amount does not match DU or CD. - Due Diligence Vendor-10/19/2023

Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided or Mortgage Insurance is not Present - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf

AR

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981796

Closed

2023-10-20 16:08

2023-10-31 19:34

Resolved

1 - Information

Credit

Closing

Missing AUS results

Resolved-Initial DU provided. Loan was requalified with updated DU Approve/Eligible based on updated credit report dated 09/26/2022 as required by selling guide. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Missing AUS results. Missing DU from origination. DU in file (submission #11) is dated greater than 1 year from initial closing date and outside of tolerance for resubmission per Selling Guide B3-2-01 for single-closing construction-to-permanent loan. - Due Diligence Vendor-10/20/2023

Resolved-Initial DU provided. Loan was requalified with updated DU Approve/Eligible based on updated credit report dated 09/26/2022 as required by selling guide. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf

AR

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981514

Closed

2023-10-17 20:21

2023-11-07 23:58

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Florida Hurricane XXX (XXX).  - Due Diligence Vendor-10/23/2023

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023

FL

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982177

Closed

2023-10-24 17:55

2023-11-16 15:18

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

XX.pdf

NM

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982177

Closed

2023-11-16 15:13

2023-11-16 15:13

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-11/16/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-11/16/2023

NM

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981836

Closed

2023-10-17 11:24

2023-11-17 17:35

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. No secondary valuation provided. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023

PR

Second Home

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981836

Closed

2023-10-12 21:05

2023-11-08 21:24

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 05/26/2022, reflects Transfer Taxes of $550.00. Final CD dated 06/29/2022 reflects Transfer Taxes of $722.00. Choose one: The Closing Disclosure reflecting the increase, dated 06/22/2022, was not dated within 3 days of the valid COC, increasing the Loan Amount, which occurred on 06/16/2022. In addition, the loan file is missing documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LOR notes in LOS evidencing the request which resulted in higher related fees .No evidence of a tolerance cure was provided in file. A tolerance cure of $172.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated an EV2. - Due Diligence Vendor-10/12/2023

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf XX.pdf

PR

Second Home

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981836

Closed

2023-10-12 21:05

2023-11-08 21:24

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-The total amount of the 10% category fees on the last Closing Disclosure ($6,030.80) has increased by more than 10% over the current baseline value of ($4,314.20). The total amount of fees in the 10% category cannot exceed ($4,745.62). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Lender’s Title Policy, Notary Fee, Recording Fees – Mortgage/Deed of Trust, Courier Fee, Document Preparation Fee, Title Update Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated 05/26/2022, reflects the baseline 10% fees at 110% as $4,754.62. The 10% fees reflected on the Final CD dated 06/29/2022 total $6,030.80. The Closing Disclosure reflecting the increase, dated 06/22/2022, was dated within 3 days of the valid COC, increasing the Loan Amount, which occurred on 06/16/2022. In addition, the loan file is missing documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LOR notes in LOS evidencing the request which resulted in higher related fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $1,456.18 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated an EV2. - Due Diligence Vendor-10/12/2023

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf XX.pdf

PR

Second Home

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981836

Closed

2023-10-12 21:05

2023-11-08 21:24

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-The total amount of the 10% category fees ($6,030.80) has increased by more than 10% over the current baseline value of ($4,314.20). The total amount of fees in the 10% category cannot exceed ($4,745.62). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Lender’s Title Policy, Notary Fee, Recording Fees – Mortgage/Deed of Trust, Courier Fee, Document Preparation Fee, Title Update Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated 05/26/2022, reflects the baseline 10% fees at 110% as $4,754.62. The 10% fees reflected on the Final CD dated 06/29/2022 total $6,030.80. The Closing Disclosure reflecting the increase, dated 06/22/2022, was dated within 3 days of the valid COC, increasing the Loan Amount, which occurred on 06/16/2022. In addition, the loan file is missing documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LOR notes in LOS evidencing the request which resulted in higher related fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $1,456.18 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated an EV2. - Due Diligence Vendor-10/12/2023

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf XX.pdf

PR

Second Home

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981836

Closed

2023-10-12 21:05

2023-11-08 21:24

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated 05/26/2022, reflects the baseline 10% fees at 110% as $4,754.62. The 10% fees reflected on the Final CD dated 06/29/2022 total $6,030.80. The Closing Disclosure reflecting the increase, dated 06/22/2022, was not dated within 3 days of the valid COC, increasing the Loan Amount, which occurred on 06/16/2022. In addition, the loan file is missing documentation in writing through a copy of the borrower’s emails, communication logs, or screenshot of LOR notes in LOS evidencing the request which resulted in higher related fees. No evidence of a tolerance cure was provided in file. A tolerance cure of $1,456.18 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated an EV2. - Due Diligence Vendor-11/08/2023 Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf XX.pdf

PR

Second Home

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981836

Closed

2023-10-17 11:29

2023-11-08 00:03

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for Puerto Rico Hurricane XXX (DR-4671-PR). - Due Diligence Vendor-10/17/2023

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023

PR

Second Home

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981836

Closed

2023-10-12 21:16

2023-10-24 14:33

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/24/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) Missing E-Consent form for borrower. - Due Diligence Vendor-10/12/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/24/2023

XX.pdf

PR

Second Home

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981861

Closed

2023-11-07 21:34

2023-11-07 21:34

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

TN

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981861

Closed

2023-10-13 17:05

2023-11-07 21:33

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA received.  Value within tolerance.  Condition cleared. - Due Diligence Vendor-11/07/2023 Counter-Hazard insurance replacement cost estimator provided, but finding is related to secondary valuation requirements. Secondary valuation has been ordered by Opus to satisfy the rating agency secondary valuation requirements and will be reviewed upon receipt. Condition remains.  - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU/LCA score exceeds 2.5 and no secondary valuation was provided.  - Due Diligence Vendor-10/13/2023

Resolved-CDA received.  Value within tolerance.  Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

TN

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981861

Closed

2023-10-13 17:12

2023-10-31 18:27

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-RCE provided confirming sufficient coverage amount. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Hazard Insurance Coverage Amount of $408000 is less than Total Amount of Subject Lien(s) of $543068.00 - Due Diligence Vendor-10/13/2023

Resolved-RCE provided confirming sufficient coverage amount. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf XX.pdf

TN

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981855

Closed

2023-10-12 18:44

2023-10-26 19:58

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/16/2023

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

CA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981424

Closed

2023-10-27 19:00

2023-11-14 13:42

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Updated DU provided based on updated credit report per requalification requirements. Condition cleared. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-Updated credit report dated 10/XX/2021 was obtained after closing date of 04/XX/2021. Per Selling Guide B5-3.1-02, loan is required to be resubmitted to DU based on updated credit documents and retain an Approve/Eligible recommendation. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded. I have attached the B2 income verification from both VA Benefits and Retirement Distribution. Assets on file were for conversion purposes. Please refer to (XXXX) for cure.  - Buyer-11/06/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent DU in file was submitted with credit report dated 02/XX/2021. However, updated credit report was obtained dated 10/XX/2021 prior to conversion to permanent financing and loan was not resubmitted to DU. - Due Diligence Vendor-10/27/2023

Resolved-Updated DU provided based on updated credit report per requalification requirements. Condition cleared. - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981424

Closed

2023-10-26 12:28

2023-11-07 23:16

Resolved

1 - Information

Credit

Income/Employment

Income 3 Months Income Verified is Missing

Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Income 3 Months Income Verified is Missing . Missing evidence of co-borrower's pension income. Income documented on bank statement dated post-closing and cured post-close. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-10/26/2023

Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981424

Closed

2023-10-26 12:28

2023-11-07 23:16

Resolved

1 - Information

Credit

Income/Employment

Income 5 Months Income Verified is Missing

Resolved-Income 5 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Income 5 Months Income Verified is Missing . Missing evidence of co-borrower's pension income. Income documented on bank statement dated post-closing and cured post-close. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-10/26/2023

Resolved-Income 5 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981424

Closed

2023-10-27 18:45

2023-11-03 20:11

Resolved

1 - Information

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Resolved-Sufficient cash to close verified. Condition cleared. - Due Diligence Vendor-11/03/2023 Open-Verified assets of $0 less cash to close $59,975.31 results in $59,975.31 shortage of funds to close. No asset statements from closing in file. - Due Diligence Vendor-10/27/2023

Resolved-Sufficient cash to close verified. Condition cleared. - Due Diligence Vendor-11/03/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981424

Closed

2023-10-24 15:06

2023-11-03 20:08

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/03/2023 Open-Asset Qualification Does Not Meet Guideline Requirements DU # 38 required verification of $82,026.00 liquid assets.  The loan file is missing verification of required assets.  Asset documentation found in the loan file is dated post close and does not meet AUS requirement.   - Due Diligence Vendor-10/24/2023

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/03/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981424

Closed

2023-10-27 18:39

2023-11-03 20:08

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Asset Record 1 Does Not Meet G/L Requirements Two months account statements dated after closing date of 04/XX/2021. - Due Diligence Vendor-10/27/2023

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/03/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981424

Closed

2023-10-27 18:39

2023-11-03 20:08

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Asset Record 2 Does Not Meet G/L Requirements Two months account statements dated after closing date of 04/XX/2021. - Due Diligence Vendor-10/27/2023

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-11/03/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981968

Closed

2023-10-19 19:24

2023-11-13 14:09

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Lender rebuttal was reviewed, as well as additional documentation for the foundation date. The Hazard Insurance (HOI) declaration page located within the loan file is deemed acceptable based on documents submitted to verify foundation of subject dwelling. Effective date is valid. Condition cleared.   - Due Diligence Vendor-11/13/2023 Resolved-Hazard Insurance Effective Date of 08-23-2021 is prior to or equal to the Note Date of 08-23-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded. The foundation on this dwelling was poured on 12/30/2021. As no dwelling existed during the period of 8/23/2021-8/27/2021 no insurance would be required at that time.  - Buyer-11/10/2023 Open-Hazard Insurance Effective Date of 08-27-2021 is after the Note Date of 08-23-2021 Require Hazard Insurance document reflects with Effective Date before or on 08-23-2021. - Due Diligence Vendor-10/19/2023

Resolved-Lender rebuttal was reviewed, as well as additional documentation for the foundation date. The Hazard Insurance (HOI) declaration page located within the loan file is deemed acceptable based on documents submitted to verify foundation of subject dwelling. Effective date is valid. Condition cleared.   - Due Diligence Vendor-11/13/2023  Resolved-Hazard Insurance Effective Date of 08-23-2021 is prior to or equal to the Note Date of 08-23-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981542

Closed

2023-10-17 19:55

2023-11-22 23:27

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded. Document uploaded - Buyer-11/06/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/17/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981542

Closed

2023-10-17 19:32

2023-11-22 16:56

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981542

Closed

2023-10-19 14:06

2023-11-10 18:53

Acknowledged

2 - Non-Material

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Disclosure Tolerance

Acknowledged-Lender acknowledges finding. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-OTHL acknowledges this finding - Buyer-11/10/2023 Open-The disclosed Total of Payments ($776,989.79) is understated by more than $100 when compared to the actual Total of Payments ($777,390.31). The difference is ($400.52). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) MI premiums were not properly disclosed. MI Cert, updated 11/22/2021, with correct loan amount reflects monthly MI premiums of $211.22. CD disclosed monthly MI premiums of $189.37.  Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-10/19/2023

Acknowledged-Lender acknowledges finding. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/10/2023

OH

Primary Residence

Construction-Perm

NA

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981542

Closed

2023-10-18 16:35

2023-11-10 18:52

Acknowledged

2 - Non-Material

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Acknowledged-Lender acknowledges finding. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-OTHL acknowledges this finding - Buyer-11/10/2023 Open-The disclosed finance charge ($336,972.29) is ($2,250.55) below the actual finance charge($339,222.84). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) MI premiums were not properly disclosed. MI Cert, updated 11/22/2021, with correct loan amount reflects monthly MI premiums of $211.22. CD disclosed monthly MI premiums of $189.37.  Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-10/18/2023

Acknowledged-Lender acknowledges finding. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/10/2023

OH

Primary Residence

Construction-Perm

NA

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981542

Closed

2023-11-07 15:20

2023-11-10 18:51

Resolved

1 - Information

Compliance

NMLS

TILA: Lender Name and/or NMLS ID Not Disclosed on the Note

Resolved-Lender provided executed Note with corrected NMLS. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Lender provided updated Note with the lender's correct NMLS; however, it is not signed by the borrower. Please provide corrected Note with borrowers' signatures. Condition maintained. - Due Diligence Vendor-11/07/2023 Counter-TILA: Lender Name and/or NMLS ID Not Disclosed on the Note - Due Diligence Vendor-11/07/2023

Resolved-Lender provided executed Note with corrected NMLS. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981542

Closed

2023-11-07 15:24

2023-11-10 18:50

Resolved

1 - Information

Compliance

NMLS

TILA: Lender Name and/or NMLS ID Not Disclosed on the Security Instrument

Resolved-Lender provided re-recorded mortgage with corrected NMLS. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Lender provided updated Mortgage with the lender's correct NMLS; however, no evidence it was sent to be re-recorded in land records. Provide copy of re-recorded mortgage or evidence from the title company that it's being sent for re-recording. Condition maintained. - Due Diligence Vendor-11/07/2023 Open-TILA: Lender Name and/or NMLS ID Not Disclosed on the Security Instrument - Due Diligence Vendor-11/07/2023

Resolved-Lender provided re-recorded mortgage with corrected NMLS. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981542

Closed

2023-10-26 18:32

2023-11-07 16:42

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Evidence that student loans are under IDR with payment documented. DTI within tolerance and no resubmission required. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI requiring resubmission to DU. - Due Diligence Vendor-10/26/2023

Resolved-Evidence that student loans are under IDR with payment documented. DTI within tolerance and no resubmission required. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981542

Closed

2023-10-17 19:57

2023-11-07 16:41

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 49.3% is less than or equal to AUS DTI of 50%. Evidence that student loans are under IDR with payment documented. DTI within tolerance of DU. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Audited DTI of 56.82% exceeds AUS DTI of 50%  (maximum tolerance of 50%). Auditor used 1% of $66,451 or $664.51 per months for the student loan balance and the lender used $31. - Due Diligence Vendor-10/18/2023

Resolved-Audited DTI of 49.3% is less than or equal to AUS DTI of 50%. Evidence that student loans are under IDR with payment documented. DTI within tolerance of DU. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981542

Closed

2023-11-06 22:19

2023-11-06 22:19

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

OH

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981911

Closed

2023-10-17 19:58

2023-10-31 14:27

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981911

Closed

2023-10-17 20:04

2023-10-30 17:57

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/17/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982110

Closed

2023-10-24 18:52

2023-11-22 13:55

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA received.  CDA within tolerance.  Condition Resolved. - Due Diligence Vendor-11/22/2023 Counter-2nd appraisal provided completed by same appraiser as origination appraisal. Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-CDA received.  CDA within tolerance.  Condition Resolved. - Due Diligence Vendor-11/22/2023

XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982110

Closed

2023-11-22 13:52

2023-11-22 13:52

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

NC

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982110

Closed

2023-10-24 18:58

2023-10-30 23:04

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/24/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982110

Closed

2023-10-24 18:16

2023-10-30 18:02

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981900

Closed

2023-10-25 14:24

2023-11-16 15:17

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981900

Closed

2023-11-16 15:17

2023-11-16 15:17

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-11/16/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-11/16/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982187

Closed

2023-10-23 17:00

2023-11-27 17:09

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982187

Closed

2023-11-16 15:21

2023-11-27 17:09

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Ready for Review-Document Uploaded.  - Buyer-11/24/2023 Counter-Re-cert of origination appraisal provided completed by origination appraiser. Rating agency requirements for secondary valuation requirement not satisfied. Independent third party review of origination appraisal value required within acceptable tolerance. Condition remains. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/18/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/16/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982187

Closed

2023-10-23 17:21

2023-10-31 14:31

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Open- - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded. Please see uploaded XXXXX - Buyer-10/30/2023 Open-Hazard Insurance Policy Partially Provided Hazard Insurance Policy is missing the coverage amount. - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982187

Seller

2023-11-27 17:04

2023-11-27 17:04

Open

3 - Material

Property

Third Party Valuation

Secondary valuation product is not within tolerance

Open-The qualifying property value is $620,000 compared to the 2055 Exterior appraisal dated 11/21/2023 with a value of $550,000 which is greater than 10%. - Due Diligence Vendor-11/27/2023

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981557

Closed

2023-10-23 19:08

2023-11-10 21:35

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Hazard Insurance notice of cancellation rescission provided, but no evidence of coverage terms provided. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981557

Closed

2023-10-23 19:44

2023-11-02 22:06

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-E-consent provided. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrowers. - Due Diligence Vendor-10/23/2023

Resolved-E-consent provided. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981606

Closed

2023-11-07 21:38

2023-11-07 21:38

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

PA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981606

Closed

2023-10-16 17:27

2023-11-07 21:38

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

PA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981606

Closed

2023-10-24 16:06

2023-10-30 18:45

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

PA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981417

Closed

2023-10-24 17:10

2023-10-30 19:41

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/24/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

PA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981417

Closed

2023-10-24 18:26

2023-10-30 16:17

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower(s - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

PA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981331

Closed

2023-10-30 19:44

2023-10-30 19:44

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981331

Closed

2023-10-20 19:22

2023-10-30 19:43

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981913

Closed

2023-10-19 08:48

2023-11-16 15:11

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Requalification income recalculated and no DTI violation. No resubmission required. Condition cleared. - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Counter-Audit used a more conservative amount for the Rental Loss based on information in the loan file, a more conservative amount for subject property's property tax based on the documentation in the loan file and a conservative amount for the borrower's income based on the documentation in the loan file. Audited DTI of 51.03% exceeds the AUS Maximum of 50%; 1008 DTI of 42.325%. Audit Total Debts of $3,295.71; AUS Total Debts of $3,165.72; 1008 Total Debt of $2,732.93. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Lender increased borrower's monthly wage income from $6,457 to $6,717 and resubmitted loan to DU. However, increase in wage income is not supported. Appears that Lender recalculated borrower's income based on 2023 YTD earnings reflected on new WVOE obtained 11/06/2023. However, loan closed 11/09/2022 and 2022 base income supports income used in original qualification. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-The Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with the DTI calculation. - Due Diligence Vendor-10/19/2023

Resolved-Requalification income recalculated and no DTI violation. No resubmission required. Condition cleared. - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981913

Closed

2023-10-18 21:35

2023-11-16 15:09

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 49.14% is less than or equal to AUS DTI of 50%. Requalification income recalculated and no DTI violation. Condition cleared. - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Counter-Audit used a more conservative amount for the Rental Loss based on information in the loan file, a more conservative amount for subject property's property tax based on the documentation in the loan file and a conservative amount for the borrower's income based on the documentation in the loan file. Audited DTI of 51.03% exceeds the AUS Maximum of 50%; 1008 DTI of 42.325%. Audit Total Debts of $3,295.71; AUS Total Debts of $3,165.72; 1008 Total Debt of $2,732.93. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Lender increased borrower's monthly wage income from $6,457 to $6,717 and resubmitted loan to DU. However, increase in wage income is not supported. Appears that Lender recalculated borrower's income based on 2023 YTD earnings reflected on new WVOE obtained 11/06/2023. However, loan closed 11/09/2022 and 2022 base income supports income used in original qualification. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Audited DTI of 51.04% exceeds AUS DTI of 50% The lender failed to include the Taxes and insurance in the calculation for REO 2 and calculated the incorrect verified payment for REO3 as reported on the final 1003. - Due Diligence Vendor-10/18/2023

Resolved-Audited DTI of 49.14% is less than or equal to AUS DTI of 50%. Requalification income recalculated and no DTI violation. Condition cleared. - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981913

Closed

2023-10-18 21:30

2023-11-16 15:09

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Counter-Audit used a more conservative amount for the Rental Loss based on information in the loan file, a more conservative amount for subject property's property tax based on the documentation in the loan file and a conservative amount for the borrower's income based on the documentation in the loan file. Audited DTI of 51.03% exceeds the AUS Maximum of 50%; 1008 DTI of 42.325%. Audit Total Debts of $3,295.71; AUS Total Debts of $3,165.72; 1008 Total Debt of $2,732.93. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Lender increased borrower's monthly wage income from $6,457 to $6,717 and resubmitted loan to DU. However, increase in wage income is not supported. Appears that Lender recalculated borrower's income based on 2023 YTD earnings reflected on new WVOE obtained 11/06/2023. However, loan closed 11/09/2022 and 2022 base income supports income used in original qualification. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/18/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981913

Closed

2023-10-18 21:30

2023-11-16 15:09

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/18/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981913

Closed

2023-10-26 13:23

2023-11-16 14:51

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Insurance for REO

Resolved-Evidence of insurance provided. Condition cleared. - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Counter-Lender provided evidence of haz ins renewal dated 11/02/2023 for property 3b on final 1003, but loan closed 11/09/2022 and payment used in qualifying was not documented. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Evidence of Insurance for property 2 on the final 1003. - Due Diligence Vendor-10/26/2023

Resolved-Evidence of insurance provided. Condition cleared. - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981913

Closed

2023-10-18 20:08

2023-11-02 22:03

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/18/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/02/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982137

Closed

2023-11-07 21:41

2023-11-07 21:41

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982137

Closed

2023-10-17 19:24

2023-11-07 21:41

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982137

Closed

2023-10-17 19:27

2023-10-31 14:35

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded. Please uploaded HOI quote and Builders Risk Ins - Buyer-10/30/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982061

Closed

2023-10-20 19:38

2023-11-23 22:16

Acknowledged

2 - Non-Material

Credit

Missing Doc

Borrower 1 Paystubs Missing

Acknowledged-Lender provided post close WVOE which was reviewed and accepted.  Finding deemed non-material for post-closing verification and will be rated as B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Borrower 1 Paystubs Missing . The paystubs in file for Borrower 1 do not reflect YTD earnings as required by DU. Provide most recent 30 days paystub with YTD earnings or WVOE with YTD earnings.  - Due Diligence Vendor-10/20/2023

Acknowledged-Lender provided post close WVOE which was reviewed and accepted.  Finding deemed non-material for post-closing verification and will be rated as B for all agencies. - Due Diligence Vendor-11/10/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982061

Closed

2023-10-20 18:04

2023-11-10 22:23

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/10/2023 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/20/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/10/2023  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982061

Closed

2023-10-26 21:38

2023-11-10 22:23

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open- - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/26/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/10/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982061

Closed

2023-10-20 19:31

2023-11-07 15:25

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Updated DU provided within DU resubmisison requirements. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. Audit DTI of 44.24% exceeds DU DTI of 36.81%. The Lender did not include taxes & hazard insurance payments for REO 3b. - Due Diligence Vendor-10/20/2023

Resolved-Updated DU provided within DU resubmisison requirements. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982061

Closed

2023-10-20 10:32

2023-11-07 15:24

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982061

Closed

2023-10-20 19:30

2023-11-07 15:19

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 44.24% is less than or equal to AUS DTI of 45% - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Audited DTI of 44.24% exceeds AUS DTI of 39.81%  (DU approved DTI of 36.81% + 3% DTI tolerance = 39.81% maximum). Lender did not include taxes & hazard insurance payments for REO 3b. DU reflects payment of $1,845.00 which includes P&I only per the mortgage statement in file. Documentation in the loan file reflects monthly property taxes of $1,126.46 and monthly hazard insurance payment of $48.58 which results in a total monthly payment of $3,020.04 for REO 3b. - Due Diligence Vendor-10/20/2023

Resolved-Audited DTI of 44.24% is less than or equal to AUS DTI of 45% - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981407

Closed

2023-10-19 12:33

2023-11-22 13:57

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Evidence of Student Loan Payment provided. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements .  Guidelines reflect a maximum DTI of 45%. The audited DTI is 60.47%. Audited DTI included Fedloan payments equal to 1% of outstanding balance. - Due Diligence Vendor-10/19/2023

Resolved-Evidence of Student Loan Payment provided. - Due Diligence Vendor-11/07/2023

XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981407

Closed

2023-10-25 15:18

2023-11-07 16:41

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Evidence of Student Loan Payment provided, - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI requiring resubmission. - Due Diligence Vendor-10/25/2023

Resolved-Evidence of Student Loan Payment provided, - Due Diligence Vendor-11/07/2023

XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981407

Closed

2023-10-19 12:34

2023-11-07 16:40

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-evidence of Student Loan Payment Provided. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Audited DTI of 60.47% exceeds AUS DTI of 45% . The audited DTI is 60.47%. Audited DTI included Fedloan payments equal to 1% of outstanding balance. - Due Diligence Vendor-10/19/2023

Resolved-evidence of Student Loan Payment Provided. - Due Diligence Vendor-11/07/2023

XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981407

Closed

2023-10-18 13:36

2023-11-01 22:10

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/18/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023

XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981558

Buyer

2023-10-25 14:03

2023-11-21 15:02

Unable to Resolve

3 - Material

Credit

Eligibility

Excessive Seller Concessions

Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve. - Buyer-11/21/2023 Counter-Document provided was in the initial loan package. The Temporary Buydown Agreement reflects borrower received $24,284.28 total buydown funds or 4.22% interested party contributions. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Lender guidelines allow maximum seller concessions of 3% or $17,250.00 for this transaction.  The Temporary Buydown Agreement reflects borrower received $24,284.28 total buydown funds or 4.22% interested party contributions. - Due Diligence Vendor-10/25/2023

XX.pdf

PA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981558

Closed

2023-10-25 12:56

2023-11-22 13:59

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Supplemental report showing timely payments received.  - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements . Incomplete verification of mortgage. - Due Diligence Vendor-10/25/2023

Resolved-Supplemental report showing timely payments received.  - Due Diligence Vendor-11/06/2023

XX.pdf

PA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981558

Closed

2023-10-25 13:37

2023-11-06 22:14

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Supplemental report showing timely payments received.  - Due Diligence Vendor-11/06/2023 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per Fannie Mae Lender Letter (LL-2020-03), lenders must verify that each loan the borrower is obligated, including co-signed mortgage loans and mortgage loans not related to the subject transaction, are current.  "Current" means the borrower has made all mortgage payments due in the month prior to the Note date of the new loan transaction by no later than the last business day of that month.  The borrowers have an existing mortgage on their current residence - the credit report reflects a last report date of 08/2022 and the mortgage statement in file reflects a payment due date of 09/01/2022.  The loan file did not contain documentation that the 09/2022 and 10/2022 payments were made.  - Due Diligence Vendor-10/25/2023

Resolved-Supplemental report showing timely payments received.  - Due Diligence Vendor-11/06/2023

PA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981558

Closed

2023-10-24 15:01

2023-11-01 22:36

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/24/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023

XX.pdf

PA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982223

Closed

2023-10-16 17:23

2023-11-01 22:15

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981483

Closed

2023-10-26 12:50

2023-11-24 00:12

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  The HVE provides a value > -10% of the appraised value. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  The HVE provides a value > -10% of the appraised value. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981483

Closed

2023-11-07 15:32

2023-11-24 00:12

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  The HVE provides a value > -10% of the appraised value. - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981483

Closed

2023-11-07 15:35

2023-11-23 22:17

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Open-The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/07/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-11/07/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023

NC

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981483

Closed

2023-10-17 17:10

2023-11-07 18:39

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981483

Closed

2023-10-17 17:43

2023-11-02 21:59

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-E-consent provided. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for both borrowers.  - Due Diligence Vendor-10/17/2023

Resolved-E-consent provided. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981760

Closed

2023-10-17 13:45

2023-11-06 21:24

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/06/2023 Resolved-Insurance policy provided, finding cleared. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Counter-No insurance in borrower's name provided or subject property address. Attachment with EOI to email chain with Click2bind insurance services not provided. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/06/2023  Resolved-Insurance policy provided, finding cleared. - Due Diligence Vendor-11/06/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981760

Closed

2023-10-17 15:26

2023-10-30 18:50

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/17/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981527

Closed

2023-10-16 17:32

2023-11-01 22:19

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981385

Closed

2023-10-13 18:11

2023-11-10 21:24

Resolved

1 - Information

Compliance

Fees:Limited

North Carolina - Fees Limitation

Resolved-Lender provided updated off sheet PAR pricing. Condition cleared. - Due Diligence Vendor-11/10/2023 Resolved-Resolved - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded. See off sheet par pricing available for consumer on day of lock. - Seller-11/10/2023 Counter-Please provide PAR off-sheet pricing for accurate PAR rate. Condition maintained. - Due Diligence Vendor-11/10/2023 Ready for Review-I request a call on this finding as i do not agree and we are at a impasse in this forum.  - Seller-11/10/2023 Counter-An Application Fee is allowed in NC. However, the aggregate of lender fees is limited to the greater of ½ of 1% of the loan amount or $150, when the loan amount is < $300,000. Points included in the starting adjusted rate cannot be deemed bona fide as they do not result in a bona fide reduction of the interest rate or time-price differential, as required per North Carolina law. N.C. Gen. Stat. § 24-1.1A(c)(1)(b). The bona fide discount points assessment provided pertains to federal testing only. Condition maintained. - Due Diligence Vendor-11/09/2023 Ready for Review-Please see supporting documentation of par pricing available to consumer on 05/02/2023 to support reduction in rate and exclude all bonafide discount points. Please also find supporting documentation showing that the Application fee is a lender permissible fee in NC. - Buyer-11/08/2023 Counter-The maximum lender fees allowed per NC regulation is $555.20. However, the lender charged a $1,650.00 Application Fee, $65.00 Appraisal Processing Fee, and 1.52% points in the starting adjusted rate ($3,375.62) which cannot be considered bona fide because it does not result in a bona fide reduction of the interest rate or time-price differential, as required per North Carolina law. N.C. Gen. Stat. § 24-1.1A(c)(1)(b). A tolerance cure of $4,535.42 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/07/2023 Open-Under the North Carolina Interest Provisions, Lender fees not specifically authorized by the statute are limited to ($555.20), which is the greater of 1/4 of 1% of the loan amount or $150. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($3,375.62). (N.C. Gen. Stat. 24-1.1A(c)(1); 24-8(d); 24-10(d)) . - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Seller-11/04/2023 Ready for Review-See attached screenshots showing that the .125% used was based on a .5% rate reduction which is the same ratio as using .25% to 1.0%. The points are bona-fide and should not be included in the points and fee test. - Seller-11/04/2023 Open-Under the North Carolina Interest Provisions, Lender fees not specifically authorized by the statute are limited to ($555.20), which is the greater of 1/4 of 1% of the loan amount or $150. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($2,220.80). (N.C. Gen. Stat. 24-1.1A(c)(1); 24-8(d); 24-10(d)) It appears a Bona Fide Discount Points Rate Reduction Basis of 0.125% was used instead of 0.25% which is industry standard. Per the NC Statute: "Bona fide loan discount points" means loan discount points knowingly paid by the borrower for the purpose of reducing, and which in fact result in a bona fide reduction of, the interest rate or time-price differential applicable to the loan, provided the amount of the interest rate reduction purchased by the discount points is reasonably consistent with established industry norms and practices for secondary mortgage market transactions". Therefore, Discount Points cannot be deemed bona fide.  - Due Diligence Vendor-10/13/2023

Ready for Review-Document Uploaded. See off sheet par pricing available for consumer on day of lock. - Seller-11/10/2023  Ready for Review-I request a call on this finding as i do not agree and we are at a impasse in this forum.  - Seller-11/10/2023  Ready for Review-Document Uploaded.  - Seller-11/04/2023  Ready for Review-See attached screenshots showing that the .125% used was based on a .5% rate reduction which is the same ratio as using .25% to 1.0%. The points are bona-fide and should not be included in the points and fee test. - Seller-11/04/2023

Resolved-Lender provided updated off sheet PAR pricing. Condition cleared. - Due Diligence Vendor-11/10/2023  Resolved-Resolved - Due Diligence Vendor-11/10/2023

XX.png XX.png XX.pdf

NC

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981843

Closed

2023-10-30 22:17

2023-10-30 22:17

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981843

Closed

2023-10-18 14:29

2023-10-30 22:16

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.   No secondary valuation provided. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981949

Closed

2023-10-16 07:01

2023-11-10 19:45

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Certificate of Occupancy provided.  However, per selling guide B4-1.02-05, if 1004D cannot be provided, acceptable alternative is borrower/builder attestation letter is required referencing the borrower name, property address, language certifying that the property was constructed in conformity with plans and specs, to be signed and dated by both parties and include interior and exterior photos of the property. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis . Missing completion cert. - Due Diligence Vendor-10/19/2023

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/10/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981949

Closed

2023-10-23 18:03

2023-11-10 19:45

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - PUD Rider

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-11/10/2023 Resolved-Evidence provided that PUD rider not required to be filed with mortgage. Condition cleared. - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Counter-Copy of mortgage provided, but no PUD rider included. Per appraisal, property is PUD. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-PUD Rider is Missing - Due Diligence Vendor-10/23/2023

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-11/10/2023  Resolved-Evidence provided that PUD rider not required to be filed with mortgage. Condition cleared. - Due Diligence Vendor-11/01/2023

XX.pdf XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982169

Closed

2023-10-12 11:36

2023-10-25 19:47

Resolved

1 - Information

Credit

Missing Doc

The Note is Missing

Resolved-Note received.  - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-The Note is Missing - Due Diligence Vendor-10/12/2023

Resolved-Note received.  - Due Diligence Vendor-10/25/2023

XX.pdf

OH

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982169

Closed

2023-10-12 11:32

2023-10-25 19:46

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Final 1003 received. - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-The Final 1003 is Missing - Due Diligence Vendor-10/12/2023

Resolved-Final 1003 received. - Due Diligence Vendor-10/25/2023

XX.pdf

OH

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982143

Closed

2023-11-07 21:45

2023-11-07 21:45

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982143

Closed

2023-10-18 14:32

2023-11-07 21:44

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982143

Closed

2023-10-20 17:32

2023-10-27 19:21

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Rider provided. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Mortgage Rider - Other Rider Missing Requalification Rider to Mortgage. - Due Diligence Vendor-10/20/2023

Resolved-Rider provided. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981521

Closed

2023-10-17 10:47

2023-10-31 15:45

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/31/2023 Ready for Review- - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-The Final 1003 is Missing - Due Diligence Vendor-10/17/2023

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/31/2023

XX.pdf

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981521

Closed

2023-10-17 18:30

2023-10-30 18:55

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrowers - Due Diligence Vendor-10/17/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981785

Buyer

2023-10-19 12:50

2023-11-21 15:02

Unable to Resolve

3 - Material

Compliance

HigherPriced:APR

Federal - Escrow Account Required (First Lien HPML)(06/2013)

Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve. - Buyer-11/21/2023 Counter-This loan is considered a first lien higher priced mortgage loan based on an APR of 5.022%. Therefore, an escrow account is required to be established. No cure. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation, if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) . - Due Diligence Vendor-10/19/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981785

Closed

2023-11-21 01:59

2023-11-21 01:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981785

Closed

2023-10-25 13:18

2023-11-21 01:57

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981785

Closed

2023-10-25 17:55

2023-11-02 15:38

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Resolved-No timing violation based on holiday calendar provided. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded. Our Family of Companies observed the 25th and 26th as a Holiday in 2021 (and every year). Therefore the timeline should be as follows: 11/23 - Application Date 11/24 - Day 1 11/25 - Excluded (Federal Holiday) 11/26 - Excluded (Company Holiday) 11/27 - Day 2 11/28 - Excluded (Sunday) 11/29 - Day 3 - Buyer-11/01/2023 Open-ECOA: Appraisal Disclosure Date 11/29/2021 is not within three business days of Application Date of 11/23/2021. - Due Diligence Vendor-10/25/2023

Resolved-No timing violation based on holiday calendar provided. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981785

Closed

2023-10-20 12:43

2023-11-02 15:38

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-No timing violation based on holiday calendar provided. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded. Our Family of Companies observed the 25th and 26th as a Holiday in 2021 (and every year). Therefore the timeline should be as follows: 11/23 - Application Date 11/24 - Day 1 11/25 - Excluded (Federal Holiday) 11/26 - Excluded (Company Holiday) 11/27 - Day 2 11/28 - Excluded (Sunday) 11/29 - Day 3 - Buyer-11/01/2023 Counter-Lender provided Homeownership Counseling Disclosure dated 11/29/2021, which is greater than 3 days from the loan application date of 11/23/2021. Provide evidence the lender is closed on Sat and the day after Thanksgiving.  - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Homeownership Counseling Disclosure dated 11/29/2021.  Loan application date is 11/23/2021.  - Due Diligence Vendor-10/20/2023

Resolved-No timing violation based on holiday calendar provided. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981785

Closed

2023-10-20 12:41

2023-11-02 15:38

Resolved

1 - Information

Compliance

Disclosure

Initial Loan Estimate delivered more than 3 business days from application

Resolved-No timing violation based on holiday calendar provided. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded. Our Family of Companies observed the 25th and 26th as a Holiday in 2021 (and every year). Therefore the timeline should be as follows: 11/23 - Application Date 11/24 - Day 1 11/25 - Excluded (Federal Holiday) 11/26 - Excluded (Company Holiday) 11/27 - Day 2 11/28 - Excluded (Sunday) 11/29 - Day 3 - Buyer-11/01/2023 Open-The application date is 11/23/2021; however, the initial disclosures were not provided until 11/29/2021. Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. This finding is outside the statute of limitations and will be rated B for all agencies. - Due Diligence Vendor-10/20/2023

Resolved-No timing violation based on holiday calendar provided. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981785

Closed

2023-10-20 13:27

2023-11-02 15:37

Resolved

1 - Information

Compliance

Disclosure

RESPA: AfBA Disclosure not provided timely

Resolved-No timing violation based on holiday calendar provided. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded. Our Family of Companies observed the 25th and 26th as a Holiday in 2021 (and every year). Therefore the timeline should be as follows: 11/23 - Application Date 11/24 - Day 1 11/25 - Excluded (Federal Holiday) 11/26 - Excluded (Company Holiday) 11/27 - Day 2 11/28 - Excluded (Sunday) 11/29 - Day 3 - Buyer-11/01/2023 Open-RESPA: AfBA Disclosure Date 11/29/2021 is not within three business days of Application Date 11/23/2021. - Due Diligence Vendor-10/20/2023

Resolved-No timing violation based on holiday calendar provided. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981507

Closed

2023-10-25 19:40

2023-11-02 21:49

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-E-consent provided. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrowers.  - Due Diligence Vendor-10/25/2023

Resolved-E-consent provided. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981630

Closed

2023-10-25 20:55

2023-11-08 23:27

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Requalification Rider and CTP Loan Rider to Security Instrument provided. Condition cleared.  - Due Diligence Vendor-11/08/2023 Counter-Requalification Rider provided. The Construction/Permanent Loan Rider to the Security Instrument is still missing. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Mortgage Rider - Other Rider Missing Requalification Rider and Construction/Permanent Loan Rider to Security Instrument.  - Due Diligence Vendor-10/25/2023

Resolved-Requalification Rider and CTP Loan Rider to Security Instrument provided. Condition cleared.  - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981926

Closed

2023-10-20 18:01

2023-11-16 15:25

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/20/2023

Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981926

Closed

2023-10-26 15:14

2023-11-13 17:03

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Evidence of sale and payoff of mortgage for borrower's departing primary residence provided, condition resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded. Please see property profile showing borrowers no longer owned the property - Buyer-11/09/2023 Counter-Primary borrower lists retained investment property as property 3b on final 1003 with negative rent of $603.38 which was included in DU in condition #34. Lender failed to include taxes and insurance in this amount. As this is borrowers' departing residence for primary residence single closing construction-to-permanent transaction, it would be treated as retained OREO. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Disagree - This file does not have a rental property, the borrors only own the subject property which is their primary residence  - Buyer-11/06/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-10/26/2023

Resolved-Evidence of sale and payoff of mortgage for borrower's departing primary residence provided, condition resolved. - Due Diligence Vendor-11/13/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981926

Closed

2023-10-20 18:48

2023-11-13 17:01

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 31.58% is less than or equal to AUS DTI of 39.94%. Evidence of sale and payoff of mortgage for borrower's departing primary residence provided, condition resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded. Please see property profile showing borrowers no longer owned the property - Buyer-11/09/2023 Counter-Primary borrower lists retained investment property as property 3b on final 1003 with negative rent of $603.38 which was included in DU in condition #34. Lender failed to include taxes and insurance in this amount. As this is borrowers' departing residence for primary residence single closing construction-to-permanent transaction, it would be treated as retained OREO. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Disagree - This file does not have a rental property, the borrors only own the subject property which is their primary residence  - Buyer-11/06/2023 Open-Audited DTI of 39.99% exceeds AUS DTI of 39.94% . (DU approved DTI of 36.94% + 3% DTI tolerance = 39.94% maximum). Lender used negative net rent of $603.38 for the borrowers' rental property. However, their payment only included the principal and interest. When including the taxes and insurance, the negative net rent was $946.69.  - Due Diligence Vendor-10/20/2023

Resolved-Audited DTI of 31.58% is less than or equal to AUS DTI of 39.94%. Evidence of sale and payoff of mortgage for borrower's departing primary residence provided, condition resolved. - Due Diligence Vendor-11/13/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981926

Closed

2023-10-20 18:29

2023-11-13 17:00

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements. Evidence of sale and payoff of mortgage for borrower's departing primary residence provided, condition resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded. Please see property profile showing borrowers no longer owned the property - Buyer-11/09/2023 Counter-Primary borrower lists retained investment property as property 3b on final 1003 with negative rent of $603.38 which was included in DU in condition #34. Lender failed to include taxes and insurance in this amount. As this is borrowers' departing residence for primary residence single closing construction-to-permanent transaction, it would be treated as retained OREO. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Disagree - This file does not have a rental property, the borrors only own the subject property which is their primary residence  - Buyer-11/06/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  Lender did not include the taxes and insurance amount in their payment for the borrowers' rental property resulting in a DTI violation.  - Due Diligence Vendor-10/20/2023

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements. Evidence of sale and payoff of mortgage for borrower's departing primary residence provided, condition resolved. - Due Diligence Vendor-11/13/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981926

Closed

2023-10-20 15:58

2023-11-03 21:07

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/20/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-11/03/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981926

Closed

2023-10-20 18:06

2023-11-02 21:38

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/02/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981926

Seller

2023-11-16 15:26

2023-11-16 15:26

Open

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981926

Seller

2023-11-16 15:24

2023-11-16 15:24

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/16/2023

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981748

Closed

2023-10-20 19:27

2023-11-21 02:11

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

WV

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981748

Seller

2023-11-21 02:12

2023-11-21 02:12

Open

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

WV

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981748

Seller

2023-11-21 02:11

2023-11-21 02:11

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

Open-A valid secondary valuation supporting the origination appraisal value is not present. BPO received.  BPO is outside of tolerance.  PC Valuation 2 required. - Due Diligence Vendor-11/21/2023

WV

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981283

Closed

2023-10-19 15:43

2023-10-30 22:16

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/19/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982008

Closed

2023-11-16 15:31

2023-11-21 19:03

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982008

Closed

2023-10-23 18:06

2023-11-21 19:01

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023  Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982008

Closed

2023-11-16 15:31

2023-11-21 19:01

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/16/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981955

Closed

2023-11-07 21:47

2023-11-07 21:47

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981955

Closed

2023-10-20 13:52

2023-11-07 21:47

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/20/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981955

Closed

2023-10-20 14:03

2023-10-30 19:35

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Resolved-Hazard insurance policy provided, finding cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/27/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023  Resolved-Hazard insurance policy provided, finding cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981889

Closed

2023-10-23 12:27

2023-11-02 19:49

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/02/2023 Open- - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/02/2023

XX.pdf

KY

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981860

Closed

2023-10-24 16:24

2023-10-30 19:04

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981303

Closed

2023-10-19 15:49

2023-11-07 15:11

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Insurance for REO

Resolved-Evidence of hazard insurance provided. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Evidence of Insurance for property 2 on final application. - Due Diligence Vendor-10/19/2023

Resolved-Evidence of hazard insurance provided. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981303

Closed

2023-10-19 15:49

2023-11-07 15:11

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Property Taxes for REO

Resolved-Evidence of property taxes provided. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Evidence of property taxes for property 2 on the final application not provided. - Due Diligence Vendor-10/19/2023

Resolved-Evidence of property taxes provided. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981303

Closed

2023-10-19 15:50

2023-11-07 15:10

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence that REO1 Property is Owned Free and Clear

Resolved-Evidence property owned free and clear provided. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Evidence that REO1 Property is Owned Free and Clear - Due Diligence Vendor-10/19/2023

Resolved-Evidence property owned free and clear provided. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981303

Closed

2023-10-26 19:32

2023-11-07 15:09

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/26/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981303

Closed

2023-10-26 19:32

2023-11-07 15:09

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/26/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981303

Closed

2023-10-19 17:10

2023-11-07 15:06

Resolved

1 - Information

Credit

Assets

Asset 2 Expired

Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Asset 2 Expired - Due Diligence Vendor-10/19/2023

Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-11/07/2023

XX.pdf

LA

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981878

Closed

2023-11-16 15:36

2023-11-16 15:36

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981878

Closed

2023-10-18 20:33

2023-11-16 15:35

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-Document Uploaded.  - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981607

Closed

2023-10-30 19:48

2023-10-30 19:48

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981607

Closed

2023-10-23 18:35

2023-10-30 19:47

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No variance. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981607

Closed

2023-10-24 11:45

2023-10-30 19:07

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s)   - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982139

Closed

2023-10-19 16:01

2023-11-16 15:54

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-Document Uploaded.  - Due Diligence Vendor-11/16/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982139

Closed

2023-10-19 16:27

2023-11-03 15:05

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided evidence of appraisal receipt. Condition cleared. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-10/19/2023

Resolved-Lender provided evidence of appraisal receipt. Condition cleared. - Due Diligence Vendor-11/03/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982139

Seller

2023-11-16 15:53

2023-11-16 15:53

Open

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982139

Seller

2023-11-16 15:53

2023-11-16 15:53

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/16/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981268

Closed

2023-10-24 14:36

2023-11-16 14:02

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Co-Borrower was qualified with income of $5,847.49 per month from asset purchase agreement dated 07/25/2019.  Bank statements provided reflect receipt of 3 months payments on 08/26/2021, 09/27/2021 and 10/27/2021. However, missing evidence of regular receipt for 12 months as required by Selling Guide B3-3.1-09. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing two years most recent tax returns along with schedule D and 12 months proof of receipt to calculate income as required per AUS. - Due Diligence Vendor-10/26/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981268

Closed

2023-10-24 13:32

2023-11-16 14:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Personal Tax Returns Missing

Resolved-Borrower 2 Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals 2). 2 years tax returns provided to support inclusion of capital gains from sale of business. Condition cleared. - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Co-Borrower was qualified with income of $5,847.49 per month from asset purchase agreement dated 07/25/2019.  Bank statements provided reflect receipt of 3 months payments on 08/26/2021, 09/27/2021 and 10/27/2021. However, missing evidence of regular receipt for 12 months as required by Selling Guide B3-3.1-09. Condition remains. - Due Diligence Vendor-11/07/2023 Open-Borrower 2 Personal Tax Returns Missing Missing most recent two years tax returns including Schedule D to calculate income as required per AUS.  Additional conditions may apply.  - Due Diligence Vendor-10/26/2023

Resolved-Borrower 2 Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals 2). 2 years tax returns provided to support inclusion of capital gains from sale of business. Condition cleared. - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981268

Closed

2023-10-24 13:32

2023-11-16 14:01

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Co-Borrower was qualified with income of $5,847.49 per month from asset purchase agreement dated 07/25/2019.  Bank statements provided reflect receipt of 3 months payments on 08/26/2021, 09/27/2021 and 10/27/2021. However, missing evidence of regular receipt for 12 months as required by Selling Guide B3-3.1-09. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-10/24/2023

Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981268

Closed

2023-10-24 13:35

2023-11-16 14:01

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Personal Bank Statements Missing

Resolved-Borrower 2 Personal Bank Statements Provided or Not Applicable (Number of Borrowers equals 2). 2 years tax returns provided to support inclusion of capital gains from sale of business. Condition cleared. - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Co-Borrower was qualified with income of $5,847.49 per month from asset purchase agreement dated 07/25/2019.  Bank statements provided reflect receipt of 3 months payments on 08/26/2021, 09/27/2021 and 10/27/2021. However, missing evidence of regular receipt for 12 months as required by Selling Guide B3-3.1-09. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Borrower 2 Personal Bank Statements Missing Lender guidelines required 12 months proof of regular receipt of capital gains income.  The file contains 2 months of proof of receipt.  - Due Diligence Vendor-10/24/2023

Resolved-Borrower 2 Personal Bank Statements Provided or Not Applicable (Number of Borrowers equals 2). 2 years tax returns provided to support inclusion of capital gains from sale of business. Condition cleared. - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981268

Closed

2023-10-24 15:16

2023-11-06 20:19

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided evidence of appraisal delivery. Condition cleared. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of appraisal delivery. Condition cleared. - Due Diligence Vendor-11/06/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981268

Closed

2023-11-06 19:48

2023-11-06 19:48

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981268

Closed

2023-10-24 14:10

2023-11-06 19:46

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981268

Closed

2023-10-24 15:13

2023-11-03 21:12

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrowers. - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-11/03/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982046

Closed

2023-10-23 19:28

2023-11-07 18:35

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Counter-Builders risk policy provided, but missing policy in name of borrower as collected on final CD. Condition remains. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981436

Closed

2023-11-17 14:32

2023-11-17 14:32

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/17/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/17/2023

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981436

Closed

2023-10-20 18:04

2023-11-17 14:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-BPO supporting value received. Condition Cleared. - Due Diligence Vendor-11/17/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-BPO supporting value received. Condition Cleared. - Due Diligence Vendor-11/17/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981436

Closed

2023-10-20 18:27

2023-10-30 14:57

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981857

Closed

2023-11-06 20:35

2023-11-06 20:35

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981857

Closed

2023-10-24 14:44

2023-11-06 20:35

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981746

Closed

2023-10-23 12:58

2023-10-27 19:27

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982126

Closed

2023-11-07 21:51

2023-11-07 21:51

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982126

Closed

2023-10-19 18:34

2023-11-07 21:50

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA Received.  Value within tolerance.  Condition Cleared. - Due Diligence Vendor-11/07/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-CDA Received.  Value within tolerance.  Condition Cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982126

Closed

2023-10-24 14:26

2023-10-30 13:56

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2023 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing Flood Insurance Policy - Due Diligence Vendor-10/24/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982126

Closed

2023-10-20 11:13

2023-10-30 13:55

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Open- - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Flood Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982019

Closed

2023-10-17 18:57

2023-11-22 20:12

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No Variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  AVM in file exceeded 10% tolerance.  CDA or Field Review is required. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No Variance. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982019

Closed

2023-10-30 19:53

2023-10-30 19:53

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981399

Closed

2023-10-20 17:29

2023-11-10 16:27

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/10/2023 Ready for Review-Per FNMA Seller Guide, B3-3.1-07 "lenders may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE cannot be obtained prior to delivery, the loan is ineligible for delivery to Fannie Mae." As this loan has not been delivered to FNMA, it is acceptable to obtain the VVOE post closing. https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/Section-B3-3-1-Employment-and-Other-Sources-of-Income/1032991031/B3-3-1-07-Verbal-Verification-of-Employment-08-03-2022.htm - Buyer-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-VVOE provided for borrower, but finding was set for missing VVOE for co-borrower. Condition remains. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/20/2023

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981399

Closed

2023-10-20 19:22

2023-11-08 00:33

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-RCE provided confirming adequate coverage. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded. Disagree:  The coverage amount is based on replacement cost.  Replacement Cost Estimator attached.  - Buyer-11/06/2023 Counter-RCE uploaded included upload error. Please resubmit for review.  - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Hazard Insurance Coverage Amount of $409000 is less than Total Amount of Subject Lien(s) of $471000 Hazard Insurance Coverage Amount of $409000 is less than Total Amount of Subject Lien of $471000 - Due Diligence Vendor-10/24/2023

Resolved-RCE provided confirming adequate coverage. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982144

Closed

2023-10-25 11:59

2023-11-24 12:32

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/23/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Resolved-AVM received.  AVM does not support value.  Secondary valuation supporting value is required. - Due Diligence Vendor-11/06/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/23/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023  Resolved-AVM received.  AVM does not support value.  Secondary valuation supporting value is required. - Due Diligence Vendor-11/06/2023

XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982144

Closed

2023-11-06 21:15

2023-11-24 12:32

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM does not support origination value.   - Due Diligence Vendor-11/06/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982144

Closed

2023-11-07 15:43

2023-11-23 22:18

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Acknowledged- - Due Diligence Vendor-11/20/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/07/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023  Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981567

Closed

2023-10-24 14:41

2023-11-16 13:44

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Evidence provided of account paid in full. DTI within tolerance and no resubmission required. Condition cleared. - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Credit union account statement dated 04/30/2022 provided which reflects $8,500 withdrawal from Perf Money Market account with note of "For Toyota", but $8,500 amount was transferred/deposited into Simple Checking account on same day with same note. No evidence that amount was applied to outstanding loan balance of $8,810 reflected on credit report. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to AUS if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI.  The loan file is missing documentation to support the omission of the SEToyota Fin acct with a balance of $8.810.00. - Due Diligence Vendor-10/24/2023

Resolved-Evidence provided of account paid in full. DTI within tolerance and no resubmission required. Condition cleared. - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981567

Closed

2023-10-24 14:40

2023-11-16 13:44

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Evidence provided of account paid in full. Condition cleared. - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Credit union account statement dated 04/30/2022 provided which reflects $8,500 withdrawal from Perf Money Market account with note of "For Toyota", but $8,500 amount was transferred/deposited into Simple Checking account on same day with same note. No evidence that amount was applied to outstanding loan balance of $8,810 reflected on credit report. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-The loan file is missing documentation to support the omission of the SEToyota Fin acct with a balance of $8.810.00. - Due Diligence Vendor-10/24/2023

Resolved-Evidence provided of account paid in full. Condition cleared. - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981567

Closed

2023-10-24 14:37

2023-11-16 13:42

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 42.2% is less than or equal to AUS DTI of 45%. Evidence provided of account paid in full. Condition cleared. - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Credit union account statement dated 04/30/2022 provided which reflects $8,500 withdrawal from Perf Money Market account with note of "For Toyota", but $8,500 amount was transferred/deposited into Simple Checking account on same day with same note. No evidence that amount was applied to outstanding loan balance of $8,810 reflected on credit report. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Audited DTI of 53.28% exceeds AUS DTI of 45% The loan file is missing documentation to support the omission of the SEToyota Fin acct with a balance of $8.810.00. - Due Diligence Vendor-10/24/2023

Resolved-Audited DTI of 42.2% is less than or equal to AUS DTI of 45%. Evidence provided of account paid in full. Condition cleared. - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981567

Closed

2023-10-24 14:35

2023-11-16 13:42

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Credit union account statement dated 04/30/2022 provided which reflects $8,500 withdrawal from Perf Money Market account with note of "For Toyota", but $8,500 amount was transferred/deposited into Simple Checking account on same day with same note. No evidence that amount was applied to outstanding loan balance of $8,810 reflected on credit report. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The loan file is missing documentation to support the omission of the SEToyota Fin acct with a balance of $8.810.00. - Due Diligence Vendor-10/24/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981567

Closed

2023-11-07 21:55

2023-11-07 21:55

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981567

Closed

2023-10-23 19:50

2023-11-07 21:54

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA Received.  Value within tolerance.  Condition Cleared. - Due Diligence Vendor-11/07/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-CDA Received.  Value within tolerance.  Condition Cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981724

Closed

2023-10-24 19:23

2023-11-24 12:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981724

Closed

2023-11-07 16:36

2023-11-24 12:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. The HVE provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981724

Closed

2023-11-07 16:38

2023-11-20 21:23

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981724

Closed

2023-10-24 19:29

2023-11-08 22:10

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/24/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981724

Closed

2023-11-07 18:27

2023-11-08 22:10

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall - Replacement Cost Provided

Resolved-Hazard Insurance Coverage Amount of $293490 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded. Please see attached HOI binder including the "Replacement Cost - Similar Construction" language.  - Buyer-11/08/2023 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $293490 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 $316808 - Due Diligence Vendor-11/07/2023

Resolved-Hazard Insurance Coverage Amount of $293490 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981726

Closed

2023-10-19 22:12

2023-11-22 00:20

Acknowledged

2 - Non-Material

Credit

Closing

Invalid AUS

Acknowledged-Credit report dated 03/22/2022 used to qualify DU provided for review.  Updated credit report reflects more favorable credit including higher FICO scores and reduced debt obligations. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/22/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Counter-Loan file does not include credit report dated 03/22/2022 submitted to DU. Please provide copy of credit report used for qualifying for additional review. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding but feel it is non-material due to the following compensating factors: FICO - 735 Reserves >26K DTI < 42% Job stability > 5 yrs - Buyer-11/19/2023 Counter-Updated credit report was obtained 07/22/2022, but final DU in file (Submission #6, dated 08/01/2022) was submitted using prior credit report dated 03/22/2022. DU required to be resubmitted using updated credit report. Condition remains. - Due Diligence Vendor-11/10/2023 Ready for Review-Credit was pulled 7/22/22 loan converted in 4/2023, that is less than 12 months old and no requal was required on this loan due to LTV of 80%, fico over 700 at 759. Finding is invalid. - Buyer-11/09/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. DU reflects the credit report was expired and required more recent credit report and resubumission to DU not found in the loan file.    - Due Diligence Vendor-10/19/2023

Acknowledged-Credit report dated 03/22/2022 used to qualify DU provided for review.  Updated credit report reflects more favorable credit including higher FICO scores and reduced debt obligations. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/22/2023

XX.pdf

5 years on job, 12 months reserves, 735 FICO

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981726

Closed

2023-10-19 21:41

2023-11-06 21:12

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Updated hazard with coverage received.  - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Hazard Insurance Policy Partially Provided Missing evidence of coverage amount. - Due Diligence Vendor-10/19/2023

Resolved-Updated hazard with coverage received.  - Due Diligence Vendor-11/06/2023

XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981726

Closed

2023-10-19 22:09

2023-10-27 20:16

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s)  - Due Diligence Vendor-10/19/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981640

Closed

2023-10-24 11:52

2023-11-08 00:28

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/08/2023 Ready for Review-Disagree:  The tax cert in the file represents the current tax assessment for the property and matches the information on the title report.  The loan was qualified at the "as improved" rate.  - Buyer-11/06/2023 Open-Missing Evidence of Property Tax Tax Information sheet in file is for vacant land only. - Due Diligence Vendor-10/24/2023

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/08/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981640

Closed

2023-10-23 18:47

2023-11-01 22:31

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981966

Closed

2023-10-20 12:54

2023-10-30 13:40

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Mortgage riders provided. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Mortgage Rider - Other Rider Requalification Rider, Construction/Permanent Loan Rider to Security Instrument is missing. - Due Diligence Vendor-10/20/2023

Resolved-Mortgage riders provided. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981966

Closed

2023-10-16 14:23

2023-10-30 13:38

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-The Final 1003 is Missing A final application for the subject transaction was not provided - Due Diligence Vendor-10/25/2023

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981966

Closed

2023-10-20 12:50

2023-10-27 19:22

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-Lender provided the PUD rider. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-PUD Rider is missing. - Due Diligence Vendor-10/20/2023

Resolved-Lender provided the PUD rider. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981859

Closed

2023-10-24 15:01

2023-11-01 14:45

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of 05-13-2022 is prior to or equal to the Note Date of 05-13-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Hazard Insurance Effective Date of 05-20-2022 is after the Note Date of 05-13-2022 Hazard Insurance Effective Date is after the Note Date.  - Due Diligence Vendor-10/24/2023

Resolved-Hazard Insurance Effective Date of 05-13-2022 is prior to or equal to the Note Date of 05-13-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/01/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981694

Closed

2023-11-07 22:01

2023-11-27 17:32

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/27/2023 Ready for Review-Document Uploaded.  - Buyer-11/24/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-11/07/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981694

Closed

2023-10-16 17:51

2023-11-27 17:30

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Resolved-CDA value is greater than -10%.  Post Close Valuation 2 required. - Due Diligence Vendor-11/21/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023  Resolved-CDA value is greater than -10%.  Post Close Valuation 2 required. - Due Diligence Vendor-11/21/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981694

Closed

2023-11-07 22:01

2023-11-27 17:30

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Ready for Review-Document Uploaded.  - Buyer-11/24/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CDA value not within tolerance (-17.9%).   - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981694

Closed

2023-10-16 13:41

2023-10-30 13:44

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-The Final 1003 is Missing - Due Diligence Vendor-10/16/2023

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982018

Closed

2023-10-24 19:47

2023-11-24 12:18

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/27/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982018

Closed

2023-11-07 16:56

2023-11-24 12:18

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. The HVE provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982018

Closed

2023-11-07 16:57

2023-11-23 22:19

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Acknowledged- - Due Diligence Vendor-11/20/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/07/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981802

Closed

2023-10-23 15:21

2023-10-30 17:17

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Open- - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981802

Closed

2023-10-23 14:08

2023-10-30 17:12

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Requalification Rider provided. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Mortgage Rider - Other Rider Missing Requalification Rider. - Due Diligence Vendor-10/23/2023

Resolved-Requalification Rider provided. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981882

Closed

2023-10-30 19:57

2023-10-30 19:57

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981882

Closed

2023-10-19 18:14

2023-10-30 19:56

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA Received.  No Variance.  Condition is Cleared. - Due Diligence Vendor-10/30/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-CDA Received.  No Variance.  Condition is Cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981882

Closed

2023-10-16 18:36

2023-10-30 18:13

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Open- - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981271

Closed

2023-10-25 17:15

2023-11-24 12:19

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Resolved-BPO Greeter than -10% variance.  Post Close Valuation 2 required. - Due Diligence Vendor-11/21/2023 Counter-Re-cert of origination appraisal provided completed by origination appraiser. Rating agency requirements for secondary valuation requirement not satisfied. Independent third party review of origination appraisal value required within acceptable tolerance. Condition remains. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/18/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023  Resolved-BPO Greeter than -10% variance.  Post Close Valuation 2 required. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981271

Closed

2023-11-21 02:19

2023-11-24 12:19

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. BPO Received.  BPO variance is greater than -10%.  Post Close Valuation -2 Required. - Due Diligence Vendor-11/21/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981271

Closed

2023-11-21 02:21

2023-11-23 22:20

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Acknowledged- - Due Diligence Vendor-11/22/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981271

Closed

2023-10-16 17:40

2023-10-31 20:55

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided all pages of the final CD. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Counter-Lender provided final CD without page 2. Please provide page 2 of the final CD. Condition maintained. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Final Closing Disclosure is missing or incomplete Page 2 of the final CD missing from loan file.  - Due Diligence Vendor-10/18/2023

Resolved-Lender provided all pages of the final CD. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981271

Closed

2023-10-18 18:13

2023-10-30 22:04

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Hazard Insurance Policy DU submitted as a primary residence. Hazard dec page reflects "rental property insurance".  - Due Diligence Vendor-10/18/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981773

Closed

2023-10-17 15:39

2023-11-01 21:21

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023

XX.pdf

KY

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981773

Closed

2023-10-30 20:01

2023-10-30 20:01

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

KY

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981773

Closed

2023-10-17 15:30

2023-10-30 20:00

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No Variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. No Variance. - Due Diligence Vendor-10/30/2023

KY

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982057

Closed

2023-10-25 17:21

2023-10-27 20:18

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/25/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982147

Closed

2023-10-18 18:14

2023-11-01 22:27

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy A hazard insurance declaration for the subject property was not provided. The insurance provided was not the borrower's hazard insurance policy. Provide hazard policy from Erie Insurance Company as indicated on the final CD. - Due Diligence Vendor-10/18/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982147

Closed

2023-10-30 20:04

2023-10-30 20:04

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982147

Closed

2023-10-18 18:09

2023-10-30 20:04

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981458

Closed

2023-11-21 01:17

2023-11-21 01:17

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981458

Closed

2023-10-25 17:58

2023-11-21 01:16

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981458

Closed

2023-10-20 13:40

2023-11-08 21:27

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Counter-Evidence of insurance provided was for borrowers' departure residence, not subject property. Condition remains. - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981458

Closed

2023-11-07 21:03

2023-11-08 21:27

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of 05-31-2022 is prior to or equal to the Note Date of 07-11-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded. See attached builder's risk insurance to account for gap in coverage on HOI policy  - Buyer-11/08/2023 Open-Hazard Insurance Effective Date of 03-11-2023 is after the Note Date of 07-11-2022 - Due Diligence Vendor-11/07/2023

Resolved-Hazard Insurance Effective Date of 05-31-2022 is prior to or equal to the Note Date of 07-11-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981480

Closed

2023-11-21 01:13

2023-11-21 01:13

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

SC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981480

Closed

2023-10-21 11:32

2023-11-21 01:12

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-BPO supporting Origination Value provided.  Condition Resolved. - Due Diligence Vendor-11/21/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-BPO supporting Origination Value provided.  Condition Resolved. - Due Diligence Vendor-11/21/2023

XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981480

Closed

2023-10-25 14:53

2023-10-30 18:33

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Requalification Rider provided. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Mortgage Rider - Other Rider Requalification rider is Missing. - Due Diligence Vendor-10/25/2023

Resolved-Requalification Rider provided. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982162

Closed

2023-10-25 15:34

2023-11-24 12:20

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982162

Closed

2023-11-07 17:01

2023-11-24 12:20

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. The HVE provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982162

Closed

2023-11-07 17:02

2023-11-23 22:21

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Acknowledged- - Due Diligence Vendor-11/20/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/07/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023

NC

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982162

Closed

2023-10-25 15:51

2023-11-07 14:50

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded. See attached asset statements for accounts that large deposits came from. These accounts did not need proof of liquidation.  - Buyer-11/06/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Assets not sourced and seasoned.  - Due Diligence Vendor-10/25/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982162

Closed

2023-10-25 16:16

2023-11-07 14:49

Resolved

1 - Information

Credit

Assets

Assets are not sourced/seasoned

Resolved-Source of large deposits provided. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-There is at least one account on the final application that has no source and/or seasoning. The following large deposits were not documented:  Asset #1 on the final application, $39,500.00 and $70,500.00 both on 12/14/2021.  Excluding these deposits will result in a shortage of $71,298.55 in cash to close.   - Due Diligence Vendor-10/25/2023

Resolved-Source of large deposits provided. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981311

Closed

2023-10-30 20:08

2023-10-30 20:08

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981311

Closed

2023-10-19 16:41

2023-10-30 20:07

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/19/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981311

Closed

2023-10-19 17:55

2023-10-27 19:24

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Riders provided. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Mortgage Rider - Other Rider The loan file is missing a copy of the Requalification Rider, Construction/Permanent Loan Rider to Security Instrument. - Due Diligence Vendor-10/19/2023

Resolved-Riders provided. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982229

Closed

2023-11-16 15:57

2023-11-16 15:57

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-11/16/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-11/16/2023

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982229

Closed

2023-10-20 20:24

2023-11-16 15:56

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-Document Uploaded.  - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982229

Closed

2023-10-25 17:58

2023-10-30 21:38

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Requalification Rider provided. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Mortgage Rider - Other Rider Missing Requalification Rider. - Due Diligence Vendor-10/25/2023

Resolved-Requalification Rider provided. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982229

Closed

2023-10-20 20:41

2023-10-30 21:38

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Hazard Insurance Policy Partially Provided Missing evidence of dwelling coverage amount. - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981881

Closed

2023-10-17 12:31

2023-10-27 19:32

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981881

Closed

2023-10-16 19:26

2023-10-27 19:30

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-The Final 1003 is Missing - Due Diligence Vendor-10/16/2023

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981653

Closed

2023-10-17 18:07

2023-11-16 16:02

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-Document Uploaded.  - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981653

Closed

2023-10-17 18:50

2023-11-13 12:22

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Lender provided the Hazard Insurance Declaration page with sufficient dwelling coverage. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/13/2023 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Document provided had upload error.  Please re-upload evidence of insurance for review.  - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Hazard Insurance Policy Partially Provided The loan file contains a hazard insurance quote but the actual hazard insurance policy was not provided. - Due Diligence Vendor-10/17/2023

Resolved-Lender provided the Hazard Insurance Declaration page with sufficient dwelling coverage. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/13/2023  Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981653

Seller

2023-11-16 16:03

2023-11-20 15:30

Counter

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Counter-Re-cert of origination appraisal provided completed by origination appraiser. Rating agency requirements for secondary valuation requirement not satisfied. Independent third party review of origination appraisal value required within acceptable tolerance. Condition remains. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/18/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981653

Seller

2023-11-16 16:02

2023-11-20 15:30

Counter

3 - Material

Property

Value

Missing Post Close Valuation - 2

Counter-Re-cert of origination appraisal provided completed by origination appraiser. Rating agency requirements for secondary valuation requirement not satisfied. Independent third party review of origination appraisal value required within acceptable tolerance. Condition remains. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/18/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/16/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981428

Closed

2023-10-16 15:25

2023-10-30 17:45

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981731

Closed

2023-10-14 12:15

2023-11-07 18:17

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/14/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Second Home

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981770

Closed

2023-11-07 22:04

2023-11-07 22:04

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981770

Closed

2023-10-18 21:04

2023-11-07 22:03

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981961

Closed

2023-11-16 16:07

2023-11-16 16:07

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981961

Closed

2023-10-25 16:37

2023-11-16 16:07

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981961

Closed

2023-10-25 16:59

2023-11-09 16:38

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Evidence of undiscounted rate provided. Points and fees re-tested and within fee limit. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The loan fees ($21,146.82) exceed the (QM) (Note Amount >=$114,847.00) fee limit, which is 3% of the Total Loan Amount ($20,837.00), the difference is ($309.82). (12 CFR 1026.43(e)(3).  Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-10/26/2023

Resolved-Evidence of undiscounted rate provided. Points and fees re-tested and within fee limit. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981961

Closed

2023-10-23 14:34

2023-11-02 21:43

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-FEMA map provided indicating structure not included in flood zone. Flood insurance not required. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Missing Flood Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-FEMA map provided indicating structure not included in flood zone. Flood insurance not required. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982059

Closed

2023-10-17 15:47

2023-11-22 22:20

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/22/2023 Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/07/2023 Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-Income and Employment Do Not Meet Guidelines Social Security Income was used for both borrowers. There was no SSA award letter documenting the amount received for each borrower. While the most recent tax return did show social security income, it did not support the amount used by the lender.  - Due Diligence Vendor-10/17/2023

Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/22/2023  Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/07/2023  Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/07/2023

XX.pdf

IN

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982059

Closed

2023-10-17 19:22

2023-11-13 15:21

Resolved

1 - Information

Credit

Assets

Assets are not sourced/seasoned

Resolved-Documentation provided to source large deposit; exception resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Documentation provided did not refer to or source large deposit of $174,909.63 on 05/18/2022. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-There is at least one account on the final application that has no source and/or seasoning. There was a large deposit of $174,909 into the borrowers' 1st account listed on the 1003. There was no explanation for the source of these funds.  - Due Diligence Vendor-10/17/2023

Resolved-Documentation provided to source large deposit; exception resolved. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf XX.pdf

IN

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982059

Closed

2023-10-17 19:14

2023-11-13 15:19

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/13/2023 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Evidence of social security provided, documentation provided did not refer to or source large deposit of $174,909.63 on 05/18/2022. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing letter of explanation for large deposit made into the June bank statement for the 1st account listed on the 1003. In addition, missing social security award letter for both borrowers.  - Due Diligence Vendor-10/17/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/13/2023  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf XX.pdf

IN

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982059

Closed

2023-11-07 22:07

2023-11-07 22:07

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

IN

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982059

Closed

2023-10-17 18:11

2023-11-07 22:06

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

IN

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982059

Closed

2023-10-17 18:19

2023-11-07 20:57

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-Hazard Insurance Policy Partially Provided Hazard Insurance policy in file is missing evidence of coverage and term.  - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

IN

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981553

Closed

2023-10-26 13:37

2023-11-24 12:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981553

Closed

2023-11-07 17:06

2023-11-24 12:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. The HVE provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981553

Closed

2023-11-07 17:07

2023-11-23 22:22

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Acknowledged- - Due Diligence Vendor-11/20/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/07/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981553

Closed

2023-10-16 16:33

2023-11-10 16:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/08/2023 Resolved-VVOE dated prior to close received. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/16/2023

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/08/2023  Resolved-VVOE dated prior to close received. - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981553

Closed

2023-10-16 16:33

2023-11-10 16:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Post closing VVOE prior to delivery acceptable per selling guide. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Per FNMA Seller Guide, B3-3.1-07 "lenders may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE cannot be obtained prior to delivery, the loan is ineligible for delivery to Fannie Mae." As this loan has not been delivered to FNMA, it is acceptable to obtain the VVOE post closing. https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/Section-B3-3-1-Employment-and-Other-Sources-of-Income/1032991031/B3-3-1-07-Verbal-Verification-of-Employment-08-03-2022.htm  - Buyer-11/10/2023 Counter-Document submitted is dated post close. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/16/2023

Resolved-Post closing VVOE prior to delivery acceptable per selling guide. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981553

Closed

2023-10-26 13:43

2023-11-08 17:25

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/08/2023 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/08/2023 Open- - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing verbal verifications of employment for both borrowers. - Due Diligence Vendor-10/26/2023

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/08/2023  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981553

Closed

2023-10-26 13:43

2023-11-08 17:25

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/08/2023 Open- - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements DTI exceeds guidelines.  - Due Diligence Vendor-10/26/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981553

Closed

2023-10-16 19:26

2023-11-08 17:15

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 49.55% is less than or equal to AUS DTI of 50% - Due Diligence Vendor-11/08/2023 Resolved-Audited DTI of 49.55% is less than or equal to AUS DTI of 50% - Due Diligence Vendor-11/08/2023 Open-Audited DTI of 51.36% exceeds AUS DTI of 50% . Maximum DU tolerance of 50% exceeded. The variance is due to the student loan payments.  - Due Diligence Vendor-10/18/2023

Resolved-Audited DTI of 49.55% is less than or equal to AUS DTI of 50% - Due Diligence Vendor-11/08/2023  Resolved-Audited DTI of 49.55% is less than or equal to AUS DTI of 50% - Due Diligence Vendor-11/08/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981553

Closed

2023-10-16 19:20

2023-11-02 21:26

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Missing Hazard Insurance Policy Evidence of Insurance document in file is missing the coverage amount.  - Due Diligence Vendor-10/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/02/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981866

Closed

2023-10-23 18:32

2023-11-24 12:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981866

Closed

2023-11-07 17:17

2023-11-24 12:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. The HVE provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981866

Closed

2023-11-07 17:18

2023-11-23 22:23

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Acknowledged- - Due Diligence Vendor-11/20/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/07/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981866

Closed

2023-10-24 16:00

2023-11-07 22:02

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Co-borrower's overtime income recalculated using YTD plus prior year as permitted by Selling Guide. No DTI violation and no resubmission to DU required. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Borrower was at a rate of $26.73 at YE 2020 and since has been at a rate of $30.30 which justifies using YTD amount as the 2021 was higher than current YTD.  - Buyer-11/06/2023 Open-The Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI requiring resubmission. - Due Diligence Vendor-10/24/2023

Resolved-Co-borrower's overtime income recalculated using YTD plus prior year as permitted by Selling Guide. No DTI violation and no resubmission to DU required. Condition cleared. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981866

Closed

2023-10-23 19:49

2023-11-07 22:00

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 50% is less than or equal to AUS DTI of 50%. Co-borrower's overtime income recalculated using YTD plus prior year as permitted by Selling Guide. No DTI violation. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Disagree.  The YTD overtime + prior year overtime income (15.1 month average) supports $105.88 per month in overtime.  - Buyer-11/06/2023 Open-Audited DTI of 50.13% exceeds AUS DTI of 50% . The lender failed to accurately calculate the co-borrower's overtime income. The lender used the YTD amount rather than the more conservative overall average. - Due Diligence Vendor-10/23/2023

Resolved-Audited DTI of 50% is less than or equal to AUS DTI of 50%. Co-borrower's overtime income recalculated using YTD plus prior year as permitted by Selling Guide. No DTI violation. Condition cleared. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981866

Closed

2023-10-25 16:09

2023-11-07 21:59

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023 Ready for Review-Borrower was at a rate of $26.73 at YE 2020 and since has been at a rate of $30.30 which justifies using YTD amount as the 2021 was higher than current YTD. - Buyer-11/06/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . Lender calculated overtime income incorrectly. - Due Diligence Vendor-10/25/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981866

Closed

2023-10-23 18:55

2023-11-07 21:42

Resolved

1 - Information

Credit

Insurance

Flood Insurance Effective Date is after the Note Date

Resolved-Flood Insurance Effective Date of 06-05-2022 is prior to or equal to the Note Date of 06-07-2022 Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-Flood Insurance Effective Date of 06-12-2022 is after the Note Date of 06-07-2022 - Due Diligence Vendor-10/23/2023

Resolved-Flood Insurance Effective Date of 06-05-2022 is prior to or equal to the Note Date of 06-07-2022 Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981437

Closed

2023-11-16 16:05

2023-11-27 17:43

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/27/2023 Ready for Review-Document Uploaded.  - Buyer-11/24/2023 Counter-Re-cert of origination appraisal provided completed by origination appraiser. Rating agency requirements for secondary valuation requirement not satisfied. Independent third party review of origination appraisal value required within acceptable tolerance. Condition remains. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/18/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Cash Out - Other

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981437

Closed

2023-10-17 13:54

2023-11-27 17:42

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/20/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/20/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

NC

Primary Residence

Construction-Perm

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981437

Closed

2023-11-20 19:48

2023-11-27 17:42

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Ready for Review-Document Uploaded.  - Buyer-11/24/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. BPO received and out of tolerance.  Post Close Valuation 2 required. - Due Diligence Vendor-11/20/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981437

Closed

2023-10-18 13:51

2023-11-16 15:45

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded. Added Access Letter - Buyer-11/15/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Provided Bank Statement does not belong to Borrower. - Due Diligence Vendor-10/18/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/16/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981437

Closed

2023-10-18 13:48

2023-11-16 15:44

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Open-Asset Record 1 Does Not Meet G/L Requirements Provided Bank Statement is not under Borrower's name. There is no supporting documents to confirm that borrower can access this account. - Due Diligence Vendor-10/18/2023

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/16/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981821

Closed

2023-11-16 16:01

2023-11-16 16:01

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2023

LA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981821

Closed

2023-10-23 19:00

2023-11-16 16:01

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

LA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981604

Closed

2023-10-23 15:22

2023-11-07 21:20

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Trust distribution letter provided. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing trust income ($2,600.36) for borrower verified by the Trust Agreement or by the trustee's statement confirming the amount, frequency, and duration of payments. Must have a continuance for at least three years.    - Due Diligence Vendor-10/23/2023

Resolved-Trust distribution letter provided. - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981604

Closed

2023-10-25 15:31

2023-11-07 21:17

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing trust income for borrower verified by the Trust Agreement or by the trustee's statement confirming the amount, frequency, and duration of payments. Must have a continuance for at least three years.   - Due Diligence Vendor-10/25/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981686

Closed

2023-11-07 22:16

2023-11-07 22:16

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981686

Closed

2023-10-17 15:09

2023-11-07 22:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981864

Closed

2023-11-21 01:52

2023-11-21 01:52

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

NC

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981864

Closed

2023-10-17 14:18

2023-11-21 01:51

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981864

Closed

2023-10-17 14:23

2023-11-01 21:35

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981327

Closed

2023-10-17 18:15

2023-11-07 17:38

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981475

Closed

2023-10-14 13:43

2023-10-30 17:08

Resolved

1 - Information

Credit

Insurance

Subject Property Address on Note does not match Insured Property Address

Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Subject Property on Note does not match Insured Property Address . Also, the hazard policy provided had an effective date of 08/31/2022, which was after the disbursement date of 08/22/2022. - Due Diligence Vendor-10/14/2023

Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981884

Closed

2023-10-24 18:42

2023-11-24 12:24

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

OH

Second Home

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981884

Closed

2023-11-07 17:22

2023-11-24 12:24

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. The HVE provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023

OH

Second Home

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981884

Closed

2023-10-24 19:36

2023-11-22 22:52

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/20/2023 Open- - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/19/2023 Counter-Lender provided an updated 1008 with a DTI of 36.77%, as well as a requalified LP with a DTI of 37%. Audit re-analyzed the factors contributing to the DTI and has determined that the 1008 reflects negative cash flow for subject in the amount of $2,239.69. However, the actual amount is $3,092.13 for a DTI of 41.81%. DTI remains outside of tolerance rendering the AUS as invalid. Condition remains.  - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded. Debt paid by business is not excluded, comment on 1008 was incorrect. HOA dues added and new LP attached with total DTI of 36%. Transmittal also attached - Buyer-11/15/2023 Counter-Lender excluded auto loan payment of $1,560/mo as paid by business, but no evidence in file to support the omission. Additionally, Lender failed to include HOA payment of $285/mo on primary residence. Recalculated DTI of 41.81% exceeds max LP tolerance of 34%. Note: Lender's 1008 reflects approved DTI of 37.698% with total debts of $9,531.28, but LP in file reflects approved DTI of 30.64% with total debts of $7,746.96. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Credit supplement provided indicating auto loan payment of $732/mo was paid in full. Lender also excluded auto loan payment of $1,560/mo as paid by business, but no evidence in file to support the omission. Additionally, Lender failed to include HOA payment of $285/mo on primary residence. Recalculated DTI of 41.81% exceeds max LP tolerance of 34%.  Note: Lender's 1008 reflects approved DTI of 37.698% with total debts of $9,531.28, but LP in file reflects approved DTI of 30.64% with total debts of $7,746.96. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  Lender's notes on the 1008 indicate they excluded a car loan because it was paid and closed. However, no evidence was provided to confirm this. There is a credit report dated 9 months after the subject Note date that shows this same auto loan was open with a balance. Additionally, audit included an HOA payment on the primary home that does not appear to be included by the lender.  - Due Diligence Vendor-10/24/2023

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/20/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

OH

Second Home

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981884

Closed

2023-10-25 18:12

2023-11-20 21:33

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Resubmitted AUS provided for requalification of single closing construction-to-permanent financing provided. Condition cleared. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/19/2023 Counter-Lender provided an updated 1008 with a DTI of 36.77%, as well as a requalified LP with a DTI of 37%. Audit re-analyzed the factors contributing to the DTI and has determined that the 1008 reflects negative cash flow for subject in the amount of $2,239.69. However, the actual amount is $3,092.13 for a DTI of 41.81%. DTI remains outside of tolerance rendering the AUS as invalid. Condition remains.  - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded. Debt paid by business is not excluded, comment on 1008 was incorrect. HOA dues added and new LP attached with total DTI of 36%. Transmittal also attached - Buyer-11/15/2023 Counter-Lender excluded auto loan payment of $1,560/mo as paid by business, but no evidence in file to support the omission. Additionally, Lender failed to include HOA payment of $285/mo on primary residence. Recalculated DTI of 41.81% exceeds max LP tolerance of 34%. Note: Lender's 1008 reflects approved DTI of 37.698% with total debts of $9,531.28, but LP in file reflects approved DTI of 30.64% with total debts of $7,746.96. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Credit supplement provided indicating auto loan payment of $732/mo was paid in full. Lender also excluded auto loan payment of $1,560/mo as paid by business, but no evidence in file to support the omission. Additionally, Lender failed to include HOA payment of $285/mo on primary residence. Recalculated DTI of 41.81% exceeds max LP tolerance of 34%.  Note: Lender's 1008 reflects approved DTI of 37.698% with total debts of $9,531.28, but LP in file reflects approved DTI of 30.64% with total debts of $7,746.96. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/05/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI requiring resubmission to LP. - Due Diligence Vendor-10/25/2023

Resolved-Resubmitted AUS provided for requalification of single closing construction-to-permanent financing provided. Condition cleared. - Due Diligence Vendor-11/20/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

OH

Second Home

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981884

Closed

2023-10-24 19:41

2023-11-20 21:31

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 43.57% is less than or equal to AUS DTI of 44.96% - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/19/2023 Counter-Lender provided an updated 1008 with a DTI of 36.77%, as well as a requalified LP with a DTI of 37%. Audit re-analyzed the factors contributing to the DTI and has determined that the 1008 reflects negative cash flow for subject in the amount of $2,239.69. However, the actual amount is $3,092.13 for a DTI of 41.81%. DTI remains outside of tolerance rendering the AUS as invalid. Condition remains.  - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded. Debt paid by business is not excluded, comment on 1008 was incorrect. HOA dues added and new LP attached with total DTI of 36%. Transmittal also attached - Buyer-11/15/2023 Counter-Lender excluded auto loan payment of $1,560/mo as paid by business, but no evidence in file to support the omission. Additionally, Lender failed to include HOA payment of $285/mo on primary residence. Recalculated DTI of 41.81% exceeds max LP tolerance of 34%. Note: Lender's 1008 reflects approved DTI of 37.698% with total debts of $9,531.28, but LP in file reflects approved DTI of 30.64% with total debts of $7,746.96. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Credit supplement provided indicating auto loan payment of $732/mo was paid in full. Lender also excluded auto loan payment of $1,560/mo as paid by business, but no evidence in file to support the omission. Additionally, Lender failed to include HOA payment of $285/mo on primary residence. Recalculated DTI of 41.81% exceeds max LP tolerance of 34%.  Note: Lender's 1008 reflects approved DTI of 37.698% with total debts of $9,531.28, but LP in file reflects approved DTI of 30.64% with total debts of $7,746.96. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-Audited DTI of 44.71% exceeds AUS DTI of 34% (LP approved DTI of 31.00% + 3% DTI tolerance = 34.00% maximum). Lender's notes on the 1008 indicate they excluded a car loan because it was paid and closed. However, no evidence was provided to confirm this. There is a credit report dated 9 months after the subject Note date that shows this same auto loan was open with a balance. Additionally, audit included an HOA payment on the primary home that does not appear to be included by the lender. - Due Diligence Vendor-10/24/2023

Resolved-Audited DTI of 43.57% is less than or equal to AUS DTI of 44.96% - Due Diligence Vendor-11/20/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

OH

Second Home

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981884

Closed

2023-11-07 17:22

2023-11-20 21:05

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/20/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. The HVE provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/07/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/20/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023

OH

Second Home

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981884

Closed

2023-10-24 18:53

2023-11-07 20:09

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Hazard Insurance Policy Partially Provided Missing complete hazard insurance policy; only the invoice was provided. - Due Diligence Vendor-10/24/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Second Home

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981287

Closed

2023-11-07 22:23

2023-11-07 22:23

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981287

Closed

2023-10-23 16:55

2023-11-07 22:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA Received.  Value within tolerance.  Condition Cleared. - Due Diligence Vendor-11/07/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-CDA Received.  Value within tolerance.  Condition Cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981287

Closed

2023-10-23 17:02

2023-10-30 17:40

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982069

Closed

2023-11-07 22:30

2023-11-07 22:30

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982069

Closed

2023-10-13 13:11

2023-11-07 22:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/13/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981944

Buyer

2023-10-25 15:49

2023-11-27 15:00

Unable to Resolve

3 - Material

Credit

Closing

Invalid AUS

Unable to Resolve-Client acknowledged as unable to resolve. - Due Diligence Vendor-11/27/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve - Buyer-11/24/2023 Open-Loan was resubmitted to DU with credit documents aged greater than 12 months for single-closing construction-to-permanent transaction. - Due Diligence Vendor-10/25/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981944

Closed

2023-11-06 21:38

2023-11-06 21:38

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981944

Closed

2023-10-17 14:35

2023-11-06 21:38

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Clear Capital HVE AVM received.  Value supported within 10%.  FSD of 0.12.  Condition cleared. - Due Diligence Vendor-11/06/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/17/2023

Resolved-Clear Capital HVE AVM received.  Value supported within 10%.  FSD of 0.12.  Condition cleared. - Due Diligence Vendor-11/06/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981944

Closed

2023-10-17 14:54

2023-10-30 21:31

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Hazard Insurance Policy Hazard Insurance Policy is Missing - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981944

Closed

2023-10-17 13:51

2023-10-27 20:21

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Resolved-Lender provided Homeownership Counseling Organizations Disclosure. Condition cleared. - Due Diligence Vendor-10/27/2023 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing. - Due Diligence Vendor-10/17/2023

Resolved-Lender provided Homeownership Counseling Organizations Disclosure. Condition cleared. - Due Diligence Vendor-10/27/2023  Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981608

Closed

2023-11-17 17:37

2023-11-17 17:37

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/17/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/17/2023

WV

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981608

Closed

2023-10-19 20:54

2023-11-17 17:36

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023

WV

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981608

Closed

2023-10-25 17:54

2023-11-01 22:24

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Missing Hazard Insurance Policy The Hazard insurance policy reflecting coverage amount is missing from the file. - Due Diligence Vendor-10/25/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/01/2023

XX.pdf

WV

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981356

Closed

2023-11-07 22:35

2023-11-07 22:35

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981356

Closed

2023-10-17 20:24

2023-11-07 22:35

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981356

Closed

2023-10-19 13:12

2023-10-26 18:57

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower - Due Diligence Vendor-10/19/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981940

Closed

2023-11-07 17:26

2023-11-07 17:26

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981940

Closed

2023-10-17 18:52

2023-11-07 17:25

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981260

Closed

2023-11-21 02:35

2023-11-23 22:25

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Acknowledged- - Due Diligence Vendor-11/21/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981260

Closed

2023-11-21 02:33

2023-11-21 16:14

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. BPO Greater than -10% variance.  Post CLose Valuation 2 required. - Due Diligence Vendor-11/21/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981260

Closed

2023-10-24 17:14

2023-11-21 16:14

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Resolved-BPO received.  BPO Greater than -10% variance.  Post Close Valuation -2 Required. - Due Diligence Vendor-11/21/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023  Resolved-BPO received.  BPO Greater than -10% variance.  Post Close Valuation -2 Required. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981260

Closed

2023-10-25 12:01

2023-11-17 18:58

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Counter-DU Submission #3 provided dated 04/27/2022 with approved DTI of 30.10%, which included monthly PITIA payment of $1,439 for this property. However, final DU Submission #5 in file dated 07/19/2023 with approved DTI of 18.73% excluded monthly PITI payment of $1,185 and only included monthly HOA of $254. Please provide correct disposition of property 3b. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/25/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/17/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981260

Closed

2023-10-24 19:31

2023-11-17 18:58

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Evidence of property sale provided. Condition cleared. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Counter-DU Submission #3 provided dated 04/27/2022 with approved DTI of 30.10%, which included monthly PITIA payment of $1,439 for this property. However, final DU Submission #5 in file dated 07/19/2023 with approved DTI of 18.73% excluded monthly PITI payment of $1,185 and only included monthly HOA of $254. Please provide correct disposition of property 3b. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Counter-Accepted offer to purchase dated 04/03/2022 and verification of PITIA provided from origination loan file, but no evidence of sale provided to support omission of PITI.  Final 1003 dated 05/02/2022 reflects property as retained. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Final Hud-1, Closing documents, or other evidence of sale from property listed under 3b on the application evidencing liens paid was not provided. - Due Diligence Vendor-10/24/2023

Resolved-Evidence of property sale provided. Condition cleared. - Due Diligence Vendor-11/17/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981260

Closed

2023-10-25 12:04

2023-11-17 18:57

Resolved

1 - Information

Credit

Missing Doc

Missing Rental Income Documentation for REO

Resolved-Evidence of property sale provided. Condition cleared. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Counter-DU Submission #3 provided dated 04/27/2022 with approved DTI of 30.10%, which included monthly PITIA payment of $1,439 for this property. However, final DU Submission #5 in file dated 07/19/2023 with approved DTI of 18.73% excluded monthly PITI payment of $1,185 and only included monthly HOA of $254. Please provide correct disposition of property 3b. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Rental Income Documentation for REO listed on the application. AUS #36 reflects rental losses of -$254.00 per month.  No documentation in file to support this income stream.   - Due Diligence Vendor-10/25/2023

Resolved-Evidence of property sale provided. Condition cleared. - Due Diligence Vendor-11/17/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981260

Closed

2023-10-24 19:33

2023-10-30 21:27

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Hazard policy in file for the subject property is missing the dwelling coverage amount.  - Due Diligence Vendor-10/24/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981260

Closed

2023-10-24 19:32

2023-10-27 21:19

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981919

Closed

2023-11-07 22:41

2023-11-07 22:41

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

Cash Out - Other

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981919

Closed

2023-10-17 18:39

2023-11-07 22:40

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981919

Closed

2023-10-17 18:44

2023-10-30 13:30

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981814

Closed

2023-10-20 16:52

2023-11-07 16:24

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981814

Closed

2023-10-20 14:22

2023-11-07 16:21

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Requalification rider provided. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Mortgage Rider - Other Rider . Missing the Requalification Rider. - Due Diligence Vendor-10/20/2023

Resolved-Requalification rider provided. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981814

Closed

2023-10-20 14:21

2023-11-07 16:13

Resolved

1 - Information

Credit

Missing Doc

Incomplete Mortgage/Deed of Trust

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-The Deed of Trust is Incomplete . Missing pages 10, 11 and 12 of 12. - Due Diligence Vendor-10/26/2023

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981369

Closed

2023-10-17 15:13

2023-10-30 16:33

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Open- - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981673

Closed

2023-10-17 16:10

2023-11-10 18:11

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy . The loan file contains only an invoice. - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981673

Closed

2023-10-18 13:56

2023-11-10 18:11

Cured

2 - Non-Material

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Cured-The lender provided Letter of Explanation, Proof of Restitution, PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The disclosed finance charge ($705,057.55) is ($145.73) below the actual finance charge($705,203.28). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1)  Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-10/18/2023

Cured-The lender provided Letter of Explanation, Proof of Restitution, PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982192

Closed

2023-11-07 22:58

2023-11-27 14:04

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-2055 received.  Value within tolerance. - Due Diligence Vendor-11/27/2023 Ready for Review-Document Uploaded.  - Buyer-11/24/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-11/07/2023

Acknowledged-2055 received.  Value within tolerance. - Due Diligence Vendor-11/27/2023

XXX.pdf

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982192

Closed

2023-10-16 18:57

2023-11-27 14:03

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982192

Closed

2023-11-07 22:57

2023-11-27 14:03

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Ready for Review-Document Uploaded.  - Buyer-11/24/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. The CDA provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023

XXX.pdf

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982192

Closed

2023-10-16 19:04

2023-10-30 21:23

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Open- - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XXX.pdf

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982192

Closed

2023-10-17 09:46

2023-10-26 19:37

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower - Due Diligence Vendor-10/17/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023

XXX.pdf

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981333

Closed

2023-10-24 12:01

2023-11-14 13:18

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Source of large deposit provided. No shortage of assets requiring resubmission to DU. Condition cleared. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-Document provided for review is not for loan. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Document provided for review is not for this loan. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with sufficient assets for closing.  - Due Diligence Vendor-10/24/2023

Resolved-Source of large deposit provided. No shortage of assets requiring resubmission to DU. Condition cleared. - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981333

Closed

2023-10-16 19:26

2023-11-14 13:16

Resolved

1 - Information

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Resolved-Source of large deposit provided. Condition cleared. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Open-Verified assets of $22,753.57 less cash to close $62,282 results in $45,528.43 shortage of funds to close. Large unsourced deposit on 2/15/23 into savings account backed out of final balance which resulted in a shortage of funds to close.  - Due Diligence Vendor-10/16/2023

Resolved-Source of large deposit provided. Condition cleared. - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981333

Closed

2023-10-24 12:41

2023-11-14 13:16

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Verified assets of $22,753.57 less cash to close $62,282 results in $45,528.43 shortage of funds to close. Large unsourced deposit on 2/15/23 into savings account backed out of final balance which resulted in a shortage of funds to close.  - Due Diligence Vendor-10/24/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981333

Closed

2023-10-16 18:06

2023-10-31 14:38

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981355

Closed

2023-10-24 14:08

2023-11-07 23:01

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Consolidated loan statement provided verifying payment amount used in qualification. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing required document. Missing documentation to support the omission of student loan debt and consolidation documentation used for monthly payment. - Due Diligence Vendor-10/24/2023

Resolved-Consolidated loan statement provided verifying payment amount used in qualification. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981355

Closed

2023-10-24 14:02

2023-11-07 23:00

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/24/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981355

Closed

2023-10-23 16:48

2023-10-31 14:42

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Open- - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981867

Closed

2023-10-20 14:07

2023-11-07 17:55

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Counter-Evidence of Builder's liability coverage provided, but file is missing borrower's policy. 12 mo premium paid on final CD in the amount of $948. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981305

Closed

2023-10-14 14:25

2023-11-07 23:02

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/14/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981305

Closed

2023-10-23 15:10

2023-11-06 20:41

Resolved

1 - Information

Compliance

TRID

TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test

Resolved-Lender provided their holiday schedule which includes President's Day. Condition cleared. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded. Our Family of Companies observes Feb 20th, President's Day as a Company Holiday. The timeline would be as follows: 2/16/2023 - Application Date 2/17/2023 - Day 1 2/18/2023 - Day 2 2/19/2023 - Excluded (Sunday) 2/20/2023 - Excluded (Company Holiday) 2/21/2023 - Day 3 - Buyer-11/04/2023 Counter-The application date is 02/16/2023; however, the initial disclosures were not provided until 02/21/2023. Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date. This loan failed the TRID initial loan estimate date. This loan contains an initial LE dated 02/21/2023, which is more than 3 days from the application date of 02/16/2023.  - Due Diligence Vendor-10/23/2023

Resolved-Lender provided their holiday schedule which includes President's Day. Condition cleared. - Due Diligence Vendor-11/06/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981305

Closed

2023-10-14 14:50

2023-10-30 21:03

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Open- - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/14/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981305

Seller

2023-11-07 23:02

2023-11-07 23:02

Open

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981305

Seller

2023-11-07 23:02

2023-11-07 23:02

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

Open-A valid secondary valuation supporting the origination appraisal value is not present. The CDA provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981729

Closed

2023-10-17 14:14

2023-11-07 17:52

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy for subject property. - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

LA

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981301

Closed

2023-10-18 21:23

2023-10-30 20:50

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Hazard Insurance Policy . - Due Diligence Vendor-10/18/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981301

Closed

2023-10-27 19:40

2023-10-30 20:50

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of 07-22-2022 is prior to or equal to the Note Date of 07-22-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Hazard Insurance Effective Date of 07-22-2023 is after the Note Date of 07-22-2022 - Due Diligence Vendor-10/27/2023

Resolved-Hazard Insurance Effective Date of 07-22-2022 is prior to or equal to the Note Date of 07-22-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981499

Closed

2023-10-16 18:40

2023-11-07 17:49

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982030

Closed

2023-11-07 23:05

2023-11-27 18:44

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. 2055 received.  Supports values. - Due Diligence Vendor-11/24/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. The CDA provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/07/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. 2055 received.  Supports values. - Due Diligence Vendor-11/24/2023

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982030

Closed

2023-10-17 14:30

2023-11-27 18:44

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-CDA Received.  Value is not supported (>-10 Variance).   - Due Diligence Vendor-11/07/2023 Counter-1004Ds to origination appraisal provided. However, finding is related to secondary valuation requirements. Secondary valuation has been ordered by Opus to satisfy the rating agency secondary valuation requirements and will be reviewed upon receipt. Condition remains.  - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-CDA Received.  Value is not supported (>-10 Variance).   - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982030

Closed

2023-11-07 23:07

2023-11-24 16:36

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-A valid secondary valuation supporting the origination appraisal value was provided. 2055 received. Supports values.  Acknowledged. - Due Diligence Vendor-11/24/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. The CDA provides a value > -10% of the appraised value. This finding will be rated a C for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/07/2023

Acknowledged-A valid secondary valuation supporting the origination appraisal value was provided. 2055 received. Supports values.  Acknowledged. - Due Diligence Vendor-11/24/2023

OH

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982030

Closed

2023-10-19 12:15

2023-11-21 21:07

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Requalification DU provided. Condition cleared. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Counter-Resubmitted DU provided for requalification. However, resubmitted DU reflects incorrect loan purpose of rate/term refinance rather than purchase and incorrect underwriting value of $650,000 (appraisal value) rather than $629,400.80 (sales price/acquisition cost). Condition remains. - Due Diligence Vendor-11/20/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Resubmitted DU provided for requalified CTP loan with approved DTI of 28.30%.  Lender utilized increased monthly income of $29,535.31 from origination income of $22,283.17.  However, requalification income verification obtained only supported monthly base income of $23,419.50. Additionally, Lender failed to include net rental expense of $611 per month from property 3a on final 1003 and updated disposition of property was not provided. Recalculated DTI of 38.30% outside of tolerance requiring resubmission. Condition remains. - Due Diligence Vendor-11/15/2023 Ready for Review-Document Uploaded. See attached DO showing this debt is not excluded.  - Buyer-11/15/2023 Counter-DTI tolerance violation due to omission in $96/month in revolving account payments per DU#14. No documentation in file to support the omission of debts. Credit supplement dated 01/17/2022 confirms payments and balances ($639 balance, $27/mo; $151 balance, $29/mo; $126 balance, $40/mo). - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI exceeds Tolerance. Audited DTI is 45.05% which exceeds tolerance of 45%. - Due Diligence Vendor-10/19/2023

Resolved-Requalification DU provided. Condition cleared. - Due Diligence Vendor-11/21/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982030

Closed

2023-10-18 20:40

2023-11-21 21:06

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 38.3% is less than or equal to AUS DTI of 38.68% - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Counter-Resubmitted DU provided for requalification. However, resubmitted DU reflects incorrect loan purpose of rate/term refinance rather than purchase and incorrect underwriting value of $650,000 (appraisal value) rather than $629,400.80 (sales price/acquisition cost). Condition remains. - Due Diligence Vendor-11/20/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Counter-Audited DTI of 38.3% exceeds AUS DTI of 31.3% Resubmitted DU provided for requalified CTP loan with approved DTI of 28.30%.  Lender utilized increased monthly income of $29,535.31 from origination income of $22,283.17.  However, requalification income verification obtained only supported monthly base income of $23,419.50. Additionally, Lender failed to include net rental expense of $611 per month from property 3a on final 1003 and updated disposition of property was not provided. Condition remains. - Due Diligence Vendor-11/15/2023 Ready for Review-Document Uploaded. See attached DO showing this debt is not excluded.  - Buyer-11/15/2023 Counter-DTI tolerance violation due to omission in $96/month in revolving account payments per DU#14. No documentation in file to support the omission of debts. Credit supplement dated 01/17/2022 confirms payments and balances ($639 balance, $27/mo; $151 balance, $29/mo; $126 balance, $40/mo). - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Audited DTI of 45.05% exceeds AUS DTI of 45%  (DU maximum tolerance of 45% based on approved DTI of 44.61%). Audit used a more conservative Rental Loss based on information in the loan file. - Due Diligence Vendor-10/23/2023

Resolved-Audited DTI of 38.3% is less than or equal to AUS DTI of 38.68% - Due Diligence Vendor-11/21/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982030

Closed

2023-10-19 16:07

2023-11-16 15:37

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded. See attached DO showing this debt is not excluded.  - Buyer-11/15/2023 Counter-DTI tolerance violation due to omission in $96/month in revolving account payments per DU#14. No documentation in file to support the omission of debts. Credit supplement dated 01/17/2022 confirms payments and balances ($639 balance, $27/mo; $151 balance, $29/mo; $126 balance, $40/mo). - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Audit used a more conservative Rental Loss based on information in the loan file. - Due Diligence Vendor-10/19/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/16/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982030

Closed

2023-10-17 14:41

2023-10-30 16:26

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981443

Closed

2023-10-23 10:58

2023-10-31 14:52

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981414

Closed

2023-11-06 21:42

2023-11-06 21:42

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981414

Closed

2023-10-24 18:22

2023-11-06 21:41

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Clear Capital HVE AVM received.  AVM supports value with 0.09 FSD Score.  Condition Cleared. - Due Diligence Vendor-11/06/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/25/2023

Resolved-Clear Capital HVE AVM received.  AVM supports value with 0.09 FSD Score.  Condition Cleared. - Due Diligence Vendor-11/06/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981414

Closed

2023-10-24 18:27

2023-10-30 16:46

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/24/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/30/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981414

Closed

2023-10-24 18:56

2023-10-27 20:13

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrowers. - Due Diligence Vendor-10/24/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981344

Closed

2023-10-12 14:45

2023-11-08 21:17

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Missing Completion Report 1004D - Due Diligence Vendor-10/12/2023

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981344

Closed

2023-10-12 14:45

2023-11-08 21:17

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/19/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981344

Closed

2023-11-07 23:13

2023-11-07 23:13

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

OH

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981344

Closed

2023-10-19 15:39

2023-10-30 19:49

Resolved

1 - Information

Compliance

TRID

Final CD: Calculating Cash to Close (page 3) is blank or incorrect form

Resolved-Lender provided page 3 of the final CD. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Missing Page 3 of the final CD  - Due Diligence Vendor-10/19/2023

Resolved-Lender provided page 3 of the final CD. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981344

Closed

2023-10-19 15:45

2023-10-30 14:41

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-IRS payment terms received.  - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded. Please refer to XXXX.PDF - Buyer-10/26/2023 Open-Missing terms of IRS payment plan, additional conditions may apply. - Due Diligence Vendor-10/19/2023

Resolved-IRS payment terms received.  - Due Diligence Vendor-10/30/2023

XX.pdf

OH

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982116

Closed

2023-11-07 23:16

2023-11-07 23:16

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982116

Closed

2023-10-20 15:44

2023-11-07 23:16

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982116

Closed

2023-10-20 15:50

2023-10-31 15:24

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982208

Closed

2023-10-20 17:44

2023-10-31 15:36

Resolved

1 - Information

Credit

Missing Doc

Missing Power of Attorney

Resolved-Special POA agreement provided. Condition cleared. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open- Loan closed with POA. Missing POA. - Due Diligence Vendor-10/25/2023

Resolved-Special POA agreement provided. Condition cleared. - Due Diligence Vendor-10/31/2023

XX.pdf

NC

Second Home

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981847

Closed

2023-10-20 20:51

2023-11-07 22:20

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Year-end paystubs for 2020 and 2021 provided with itemization of bonus income. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing evidence of bonus income for prior two years. FNMA requires a minimum of 12 months of bonus income to be considered stable, borrower has only been receiving for 6 months per the WVOE in file.   - Due Diligence Vendor-10/20/2023

Resolved-Year-end paystubs for 2020 and 2021 provided with itemization of bonus income. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981847

Closed

2023-10-24 11:48

2023-11-07 22:20

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Year-end paystubs for 2020 and 2021 provided with itemization of bonus income. Income recalculated and no DTI violation and no resubmission to DU required. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded. Disagree.  Please see attached Income calculation worksheet, WVOE and YE Paystubs to support bonus income used  - Buyer-11/06/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-10/24/2023

Resolved-Year-end paystubs for 2020 and 2021 provided with itemization of bonus income. Income recalculated and no DTI violation and no resubmission to DU required. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981847

Closed

2023-10-23 13:15

2023-11-07 22:18

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 32.64% is less than or equal to AUS DTI of 37.2%. Year-end paystubs for 2020 and 2021 provided with itemization of bonus income. Income recalculated and no DTI violation. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Audited DTI of 41.3% exceeds AUS DTI of 37.2%  (DU approved DTI of 34.20% + 3% tolerance = 37.20% maximum) due to improper calculation of Bonus income. Less than 1 year of bonus income received based on the verification of employment. - Due Diligence Vendor-10/23/2023

Resolved-Audited DTI of 32.64% is less than or equal to AUS DTI of 37.2%. Year-end paystubs for 2020 and 2021 provided with itemization of bonus income. Income recalculated and no DTI violation. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981847

Closed

2023-10-24 22:35

2023-11-07 22:17

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . The underwriter included monthly bonus income of $4,260.97 which was unsupported. - Due Diligence Vendor-10/24/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981847

Closed

2023-10-20 20:52

2023-11-06 19:23

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure timing requirement not met

Resolved-Lender provided initial CD. Condition cleared. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-10/20/2023

Resolved-Lender provided initial CD. Condition cleared. - Due Diligence Vendor-11/06/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981847

Closed

2023-10-23 13:02

2023-10-31 15:39

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981934

Closed

2023-10-20 13:53

2023-11-07 17:44

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981562

Closed

2023-10-20 15:12

2023-11-21 18:45

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Evidence of par rate provided confirming 1 discount point deemed bona fide. Compliance retested and passed as not points and fees violation. Condition cleared. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded. Please see attached supporting off sheet par price and exclusion from points and fees test. - Buyer-11/21/2023 Counter-7.875% (PAR) – 7.375% (Note Rate) / 2.625% (Discount Points Charged) = 0.19%. No cure available for this violation. Condition maintained. - Due Diligence Vendor-11/09/2023 Open-The loan fees ($11,453.75) exceed the (QM) (Note Amount >=$124,331.00) fee limit, which is 3% of the Total Loan Amount ($10,641.56), the difference is ($812.19). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-11/09/2023 Ready for Review-Please provide the calculation used. We are charging 2.625% ($9,738.75) and bringing the rate down from 8.520% to 7.375%, which is a ratio of .43% and within tolerance. - Buyer-11/09/2023 Counter-Based on Discount Points of $9,738.75, the reduction in rate per discount points charged is 0.19% which is < the required 0.25% per industry standards. Condition maintained. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded. The loan is passing points and fees after manual calculation. High Cost calculation uploaded.  - Buyer-11/03/2023 Open-The loan fees ($11,453.75) exceed the (QM) (Note Amount >=$124,331.00) fee limit, which is 3% of the Total Loan Amount ($10,641.56), the difference is ($812.19). (12 CFR 1026.43(e)(3). Although the High-Cost Summary reflects 1% bona fide points, our compliance testing does not provide the same results. The Mavent provided in the loan file did not test for QM points and fees. - Due Diligence Vendor-10/23/2023

Resolved-Evidence of par rate provided confirming 1 discount point deemed bona fide. Compliance retested and passed as not points and fees violation. Condition cleared. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981562

Closed

2023-10-20 14:39

2023-10-31 16:12

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981562

Closed

2023-10-30 20:12

2023-10-30 20:12

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981562

Closed

2023-10-24 19:01

2023-10-30 20:10

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  8.9% Variance.  Within Tolerance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/24/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  8.9% Variance.  Within Tolerance. - Due Diligence Vendor-10/30/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981980

Closed

2023-10-23 15:03

2023-11-07 17:33

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy . - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981373

Closed

2023-10-24 14:06

2023-11-07 17:10

Resolved

1 - Information

Credit

Missing Doc

Missing Rental Income Documentation for REO

Resolved-Resubmitted DU approved without rental income. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Rental Income Documentation for REO listed on the application. DU included $1,923.31 in rental income not found in the loan file.  - Due Diligence Vendor-10/24/2023

Resolved-Resubmitted DU approved without rental income. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

PA

Second Home

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981373

Closed

2023-10-24 14:04

2023-11-07 17:08

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements .DU included rental income not found in the loan file. - Due Diligence Vendor-10/24/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

PA

Second Home

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981373

Closed

2023-10-23 19:37

2023-11-07 16:48

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-Evidence of builders risk policy provided and rate quote provided, but missing borrower's policy with 12 month premium paid on final CD in the amount of $3,262. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Hazard Insurance Policy Partially Provided Missing amount of dwelling coverage. - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

PA

Second Home

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981373

Seller

2023-10-23 19:24

2023-11-07 23:27

Counter

3 - Material

Property

Value

Missing Post Close Valuation - 1

Counter-CDA received with Indeterminate Value. Field Review required. Condition remains. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

PA

Second Home

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981586

Closed

2023-10-23 13:29

2023-10-31 16:25

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/31/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982107

Closed

2023-11-07 19:06

2023-11-07 19:06

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/07/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/07/2023

AZ

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982107

Closed

2023-10-09 19:31

2023-10-26 21:55

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present.  - Due Diligence Vendor-10/16/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

AZ

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981664

Closed

2023-10-13 13:41

2023-11-24 12:27

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Counter-No document attached. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Please refer to XXXr.PDF - Buyer-10/26/2023 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/13/2023

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/01/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981664

Closed

2023-10-13 13:41

2023-11-24 12:27

Resolved

1 - Information

Credit

Missing Doc

Missing Purchase Contract

Resolved-Purchase Contract provided. - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Counter-No document attached. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Please refer to XXXX.PDF and XXXX.PDF - Buyer-10/26/2023 Open-Missing Purchase Contract - Due Diligence Vendor-10/13/2023

Resolved-Purchase Contract provided. - Due Diligence Vendor-11/01/2023

XX.pdf XX.pdf XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981664

Closed

2023-10-13 13:41

2023-11-24 12:27

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023 Open- - Due Diligence Vendor-11/01/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/13/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/24/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981664

Closed

2023-10-19 20:56

2023-11-22 12:18

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/08/2023 Open- - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-Guidelines do not provide or permit an acceptable DTI variance. - Due Diligence Vendor-10/30/2023 Ready for Review-DTI was 36.1% at time of closing. Credit score maxes DTI at 36 for manual - Buyer-10/28/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/19/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981664

Closed

2023-10-20 21:08

2023-11-22 12:18

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/08/2023 Open- - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-Guidelines do not provide or permit an acceptable DTI variance. - Due Diligence Vendor-10/30/2023 Ready for Review-DTI was 36.1% at time of closing. Credit score maxes DTI at 36 for manual - Buyer-10/28/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  - Due Diligence Vendor-10/20/2023

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981664

Closed

2023-10-19 19:42

2023-11-08 18:41

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of 35.86% is less than or equal to Guideline DTI of 36% - Due Diligence Vendor-11/08/2023 Resolved-Audited DTI of 35.86% is less than or equal to Guideline DTI of 36% - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-Guidelines do not provide or permit an acceptable DTI variance. - Due Diligence Vendor-10/30/2023 Ready for Review-DTI was 36.1% at time of closing. Credit score maxes DTI at 36 for manual - Buyer-10/28/2023 Open-Audited DTI of 36.27% exceeds Guideline DTI of 36% . Loan was manually underwritten loan approved above 36% maximum per eligibility matrix. - Due Diligence Vendor-10/20/2023

Resolved-Audited DTI of 35.86% is less than or equal to Guideline DTI of 36% - Due Diligence Vendor-11/08/2023  Resolved-Audited DTI of 35.86% is less than or equal to Guideline DTI of 36% - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981664

Closed

2023-11-06 21:45

2023-11-06 21:45

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

NV

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981664

Closed

2023-10-19 21:05

2023-11-01 13:47

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lease agreement provided supporting payment used by lender. Condition cleared. - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Counter-No document attached. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Please refer to XXXXr.PDF - Buyer-10/26/2023 Open-Missing evidence of the Solar Lease Agreement with the payment amount. - Due Diligence Vendor-10/19/2023

Resolved-Lease agreement provided supporting payment used by lender. Condition cleared. - Due Diligence Vendor-11/01/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981871

Closed

2023-10-26 21:12

2023-10-26 21:12

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

AZ

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981871

Closed

2023-10-10 18:09

2023-10-26 21:12

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score not provided. LCA score is 3 and not eligible for reps & warrant relief.  - Due Diligence Vendor-10/10/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981615

Closed

2023-10-10 15:51

2023-11-07 23:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/20/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

WA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982183

Closed

2023-10-16 20:48

2023-11-23 22:26

Resolved

1 - Information

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Resolved-Evidence of receipt of funds by title company received. - Due Diligence Vendor-11/23/2023 Open-Verified assets of $45,879.44 less cash to close $22,629.67 and less unverified earnest money $25,410.00 results in $2,160.23 shortage of funds to close. - Due Diligence Vendor-10/16/2023

Resolved-Evidence of receipt of funds by title company received. - Due Diligence Vendor-11/23/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982183

Closed

2023-10-17 22:44

2023-11-22 14:01

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-Evidence of receipt of funds by title company received. - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/17/2023

Resolved-Evidence of receipt of funds by title company received. - Due Diligence Vendor-10/25/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982183

Closed

2023-10-10 14:32

2023-10-26 20:00

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/17/2023

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982183

Closed

2023-10-17 22:46

2023-10-25 20:00

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Evidence of receipt of funds by title company received. - Due Diligence Vendor-10/25/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with Assets - Funds Required to Close requiring resubmission to LP. - Due Diligence Vendor-10/17/2023

Resolved-Evidence of receipt of funds by title company received. - Due Diligence Vendor-10/25/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981800

Closed

2023-10-16 17:28

2023-10-25 20:20

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Solar agreement received.  - Due Diligence Vendor-10/25/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Missing solar lease agreement with evidence of terms  - Due Diligence Vendor-10/16/2023

Resolved-Solar agreement received.  - Due Diligence Vendor-10/25/2023

XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981956

Closed

2023-10-10 13:08

2023-11-10 18:51

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Master policy provided for PUD confirming adequate coverage. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Evidence of insurance with coverage amount of $80,250 provided. Estimated cost-new per appraisal is $146,240. Shortfall remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-Hazard Insurance Coverage Amount of $80250 is less than Total Amount of Subject Lien(s) of $XXX The hazard insurance policy in file reflected dwelling coverage of $80,250.00   The loan amount is $XXX which leaves a shortage of hazard insurance coverage. - Due Diligence Vendor-10/10/2023

Resolved-Master policy provided for PUD confirming adequate coverage. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

AZ

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981956

Closed

2023-10-10 18:33

2023-11-01 13:28

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease agreement provided supporting payment used in qualifying, Condition cleared. - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Counter-No document provided. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Please refer to XXXX - Buyer-10/26/2023 Open-Missing Solar lease agreement. - Due Diligence Vendor-10/10/2023

Resolved-Lease agreement provided supporting payment used in qualifying, Condition cleared. - Due Diligence Vendor-11/01/2023

XX.pdf

AZ

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981989

Closed

2023-10-30 22:33

2023-10-30 22:33

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981989

Closed

2023-10-12 20:29

2023-10-30 22:32

Resolved

1 - Information

Property

Property

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

Resolved-2055 received dated 10/25/2023.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/30/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/23/2023

Resolved-2055 received dated 10/25/2023.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981989

Closed

2023-10-12 20:20

2023-10-30 22:31

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-2055 Received.  Value of $620000 supports origination value.  Condition cleared. - Due Diligence Vendor-10/30/2023 Counter-Secondary valuation has been ordered to satisfy the rating agency secondary valuation requirements. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/12/2023

Resolved-2055 Received.  Value of $620000 supports origination value.  Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981989

Closed

2023-10-12 20:20

2023-10-30 22:30

Resolved

1 - Information

Credit

Missing Doc

Missing Purchase Contract

Resolved-Purchase Contract provided. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Purchase Contract - Due Diligence Vendor-10/12/2023

Resolved-Purchase Contract provided. - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981989

Closed

2023-10-12 19:59

2023-10-27 20:15

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is not Missing - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Title Document is missing . Missing Title Commitment or Final Title Policy.  - Due Diligence Vendor-10/12/2023

Resolved-Title Document is not Missing - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981989

Closed

2023-10-12 16:13

2023-10-27 19:47

Resolved

1 - Information

Credit

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-The Note is Missing - Due Diligence Vendor-10/12/2023

Resolved-The Note is Present - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981989

Closed

2023-10-12 21:23

2023-10-26 21:09

Resolved

1 - Information

Compliance

Missing Doc

Condo Rider is Missing

Resolved-Lender provided condo rider. Condition cleared. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Condo Rider to the Mortgage. - Due Diligence Vendor-10/12/2023

Resolved-Lender provided condo rider. Condition cleared. - Due Diligence Vendor-10/26/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981306

Closed

2023-10-13 17:52

2023-11-07 20:03

Resolved

1 - Information

Credit

Missing Doc

Missing purchase contract - addendums

Resolved-Extension of contract provided. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Counter-Original purchase contract provided, but no evidence to extend closing to 04/25/2022 provided. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Open-All addendums to the purchase contract were not provided The purchase contract reflects closing by 04/22/2022. The loan closed 04/25/2022. Provide addendum extending closing date. - Due Diligence Vendor-10/13/2023

Resolved-Extension of contract provided. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981306

Closed

2023-10-13 17:53

2023-10-27 13:29

Resolved

1 - Information

Credit

Closing

Simultaneous Lien Note status is missing

Resolved-Copy of second lien note provided. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Simultaneous Lien Note status is missing.  - Due Diligence Vendor-10/13/2023

Resolved-Copy of second lien note provided. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981306

Closed

2023-10-18 22:46

2023-10-27 13:28

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Simultaneous Loan Payment does not meet requirements

Resolved- - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-ATR Risk - Simultaneous Loan Payment does not meet requirements . The second lien note was not provided.  - Due Diligence Vendor-10/18/2023

Resolved- - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981306

Closed

2023-10-13 17:01

2023-10-26 20:02

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/13/2023

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982152

Closed

2023-10-12 18:36

2023-10-26 20:04

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/12/2023

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982152

Closed

2023-10-12 18:34

2023-10-19 14:59

Resolved

1 - Information

Credit

Missing Doc

Missing Purchase Contract

Resolved-Pages 10-16 of purchase contract received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Missing Purchase Contract Missing pages 10-16 of the purchase contract. - Due Diligence Vendor-10/12/2023

Resolved-Pages 10-16 of purchase contract received.  - Due Diligence Vendor-10/19/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982077

Closed

2023-10-12 20:29

2023-10-26 21:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. No secondary valuation provided. - Due Diligence Vendor-10/16/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981996

Closed

2023-10-12 12:45

2023-11-08 00:06

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/23/2023

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981288

Closed

2023-10-30 22:39

2023-10-30 22:39

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981288

Closed

2023-10-11 20:08

2023-10-30 22:38

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981288

Closed

2023-10-11 17:15

2023-10-30 20:34

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Counter-Document not attached.  Please attach. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-The Final 1003 is Missing - Due Diligence Vendor-10/11/2023

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/30/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981897

Closed

2023-10-12 19:13

2023-11-10 20:25

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated 04/XX/2022, reflects a Discount Fee of $13,650.00.  The Revised and Final CD's reflect a Discount Fee of $14,826.00. The Revised Closing Disclosure reflecting the increase, was not dated within 3 days of the valid COC, the Rate Lock - Extension at Cost, which occurred on 05/Xx/2022. No evidence of a tolerance cure was provided in file. A tolerance cure of $1,176.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-10/12/2023

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf

WA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981897

Closed

2023-10-12 19:13

2023-11-10 20:25

Cured

2 - Non-Material

Compliance

Mavent

Fees: Limited

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 04/XX/2022, reflects a Discount Fee of $13,650.00.  The Revised and Final CD's reflect a Discount Fee of $14,826.00. The Revised Closing Disclosure reflecting the increase, was not dated within 3 days of the valid COC, the Rate Lock - Extension at Cost, which occurred on 05/XX/2022. No evidence of a tolerance cure was provided in file. A tolerance cure of $1,176.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.  - Due Diligence Vendor-10/12/2023

Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf XX.pdf

WA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981897

Closed

2023-10-12 19:43

2023-10-27 20:19

Resolved

1 - Information

Credit

Closing

Simultaneous Lien Note status is missing

Resolved-Secondary lien note provided. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Simultaneous Lien Note status is missing.  - Due Diligence Vendor-10/12/2023

Resolved-Secondary lien note provided. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

WA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981897

Closed

2023-10-20 21:11

2023-10-27 20:19

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Simultaneous Loan Payment does not meet requirements

Resolved- - Due Diligence Vendor-10/27/2023 Ready for Review-Please refer to XXX.PDF - Buyer-10/26/2023 Open-ATR Risk - Simultaneous Loan Payment does not meet requirements - Due Diligence Vendor-10/20/2023

Resolved- - Due Diligence Vendor-10/27/2023

WA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982017

Closed

2023-10-11 14:09

2023-10-30 19:53

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided confirmation the CD dated 06/XX/2022 is the final. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Counter-Lender provided final CD for a different property. Please provide final CD for subject property. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Final Closing Disclosure is missing or incomplete - Due Diligence Vendor-10/11/2023

Resolved-Lender provided confirmation the CD dated 06/06/2022 is the final. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982017

Closed

2023-10-11 11:39

2023-10-26 22:02

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981571

Closed

2023-10-12 19:20

2023-11-21 17:19

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Hazard Insurance Coverage Amount of $295560 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded. See attached HOI at origination showing replacement cost coverage which is adequate per FNMA guidelines - Buyer-11/21/2023 Counter-Hazard Insurance Coverage Amount of $295560 is less than Total Amount of Subject Lien(s) of $XXXEvidence of renewal provided with increased coverage to $246,300 ($246,300 * 120% ext replacement = $295,560 total coverage), but shortage remains. No RCE provided. Condition retained. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/04/2023 Open-Hazard Insurance Coverage Amount of $271200 is less than Total Amount of Subject Lien(s) of $XXXThe hazard insurance policy in file reflected dwelling coverage of $271,200.  The loan amount is $XXX which leaves a shortage of hazard insurance coverage. - Due Diligence Vendor-10/16/2023

Resolved-Hazard Insurance Coverage Amount of $295560 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981727

Closed

2023-10-11 18:55

2023-11-08 22:53

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Executed final settlement statement from sale provided. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter-Settlement statement to document sale proceeds provided was estimate only and unsigned. Please provide executed final settlement statement. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Missing Final Settlement Statement for sale of departure property confirming net proceeds of $120,984.13. - Due Diligence Vendor-10/11/2023

Resolved-Executed final settlement statement from sale provided. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981727

Closed

2023-10-11 18:51

2023-10-30 16:56

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-E-consent provided for both borrowers. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Counter-eConsent provided is for the wrong borrower. Please provide evidence of e-Consent for both borrowers. Condition maintained. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrowers. - Due Diligence Vendor-10/19/2023

Resolved-E-consent provided for both borrowers. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf XX.pdf XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981429

Closed

2023-10-19 15:25

2023-11-08 00:11

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/20/2023

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981279

Closed

2023-10-19 15:35

2023-11-24 14:54

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/24/2023 Resolved-Asset Record 1 Meets G/L Requirements. FNMA guidelines allow the use of secured funds for assets/reserves provided the lender must document the following: the terms of the secured loan, evidence that the party providing the secured loan is not a party to the sale, and evidence that the funds have been transferred to the borrower. Condition resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Fannie Mae form 1006 requires capture of Average Balance for Previous Two Months. DU condition #26 requires VOD or bank statements covering a two-month period in accordance with selling guide for purchase transaction. Documentation provided covers 30 day account history from 05/04/2022-06/02/2022 and reports 30 day average balance, but lists 60 day average balance as N/A. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded. Disagree:  The loan file contains an electronic verification of assets which contains the elements required on a standard VOD (form 1006) including the previous month's balance and average balance.  The document provided complies with guidelines  - Buyer-11/06/2023 Open-Asset Record 1 Does Not Meet G/L Requirements Missing two months source and seasoning of funds.  VOD only covers 1 month.  - Due Diligence Vendor-10/19/2023

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/24/2023  Resolved-Asset Record 1 Meets G/L Requirements. FNMA guidelines allow the use of secured funds for assets/reserves provided the lender must document the following: the terms of the secured loan, evidence that the party providing the secured loan is not a party to the sale, and evidence that the funds have been transferred to the borrower. Condition resolved. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981279

Closed

2023-10-19 15:35

2023-11-24 14:54

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-11/24/2023 Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable.  FNMA guidelines allow the use of secured funds for assets/reserves provided the lender must document the following: the terms of the secured loan, evidence that the party providing the secured loan is not a party to the sale, and evidence that the funds have been transferred to the borrower. Condition resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Fannie Mae form 1006 requires capture of Average Balance for Previous Two Months. DU condition #26 requires VOD or bank statements covering a two-month period in accordance with selling guide for purchase transaction. Documentation provided covers 30 day account history from 05/04/2022-06/02/2022 and reports 30 day average balance, but lists 60 day average balance as N/A. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded. Disagree:  The loan file contains an electronic verification of assets which contains the elements required on a standard VOD (form 1006) including the previous month's balance and average balance.  The document provided complies with guidelines  - Buyer-11/06/2023 Open-Asset Record 2 Does Not Meet G/L Requirements Missing two months source and seasoning of funds.  VOD only covers 1 month.  - Due Diligence Vendor-10/19/2023

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-11/24/2023  Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable.  FNMA guidelines allow the use of secured funds for assets/reserves provided the lender must document the following: the terms of the secured loan, evidence that the party providing the secured loan is not a party to the sale, and evidence that the funds have been transferred to the borrower. Condition resolved. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981279

Closed

2023-10-19 15:35

2023-11-24 14:54

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/24/2023 Resolved-Asset Qualification Meets Guideline Requirements.  FNMA guidelines allow the use of secured funds for assets/reserves provided the lender must document the following: the terms of the secured loan, evidence that the party providing the secured loan is not a party to the sale, and evidence that the funds have been transferred to the borrower. Condition resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Fannie Mae form 1006 requires capture of Average Balance for Previous Two Months. DU condition #26 requires VOD or bank statements covering a two-month period in accordance with selling guide for purchase transaction. Documentation provided covers 30 day account history from 05/04/2022-06/02/2022 and reports 30 day average balance, but lists 60 day average balance as N/A. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded. Disagree:  The loan file contains an electronic verification of assets which contains the elements required on a standard VOD (form 1006) including the previous month's balance and average balance.  The document provided complies with guidelines  - Buyer-11/06/2023 Open-Asset Qualification Does Not Meet Guideline Requirements Missing 2 months source and seasoning of funds. - Due Diligence Vendor-10/19/2023

Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/24/2023  Resolved-Asset Qualification Meets Guideline Requirements.  FNMA guidelines allow the use of secured funds for assets/reserves provided the lender must document the following: the terms of the secured loan, evidence that the party providing the secured loan is not a party to the sale, and evidence that the funds have been transferred to the borrower. Condition resolved. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981279

Closed

2023-10-24 20:05

2023-11-13 18:52

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered.  FNMA guidelines allow the use of secured funds for assets/reserves provided the lender must document the following: the terms of the secured loan, evidence that the party providing the secured loan is not a party to the sale, and evidence that the funds have been transferred to the borrower. Condition resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Fannie Mae form 1006 requires capture of Average Balance for Previous Two Months. DU condition #26 requires VOD or bank statements covering a two-month period in accordance with selling guide for purchase transaction. Documentation provided covers 30 day account history from 05/04/2022-06/02/2022 and reports 30 day average balance, but lists 60 day average balance as N/A. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded. Disagree:  The loan file contains an electronic verification of assets which contains the elements required on a standard VOD (form 1006) including the previous month's balance and average balance.  The document provided complies with guidelines  - Buyer-11/06/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/24/2023

Resolved-ATR Risk - Current Income or Current Assets were considered.  FNMA guidelines allow the use of secured funds for assets/reserves provided the lender must document the following: the terms of the secured loan, evidence that the party providing the secured loan is not a party to the sale, and evidence that the funds have been transferred to the borrower. Condition resolved. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981279

Closed

2023-10-24 23:57

2023-11-13 18:52

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Simultaneous Loan Payment does not meet requirements

Resolved- - Due Diligence Vendor-10/27/2023 Open-ATR Risk - Simultaneous Loan Payment does not meet requirements - Due Diligence Vendor-10/24/2023

Resolved- - Due Diligence Vendor-10/27/2023

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981279

Closed

2023-10-19 15:51

2023-11-08 01:11

Resolved

1 - Information

Credit

Missing Doc

Missing purchase contract - addendums

Resolved-Addendum to extend closing date through 06/14/2022 provided. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-Addendum for seller credit provided, but missing addendum to extend closing date beyond 06/10/2022. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-All addendums to the purchase contract were not provided The purchase contract in the loan file expired on 06/10/2022 which is prior to the subject loan closing. - Due Diligence Vendor-10/19/2023

Resolved-Addendum to extend closing date through 06/14/2022 provided. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981279

Closed

2023-10-19 15:11

2023-11-08 00:15

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023 Ready for Review-Disagree.  There has been no declared disaster in the subject property's area since the loan funded.  - Buyer-11/06/2023 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-10/19/2023

Resolved-Post incident inspection provided. No damage noted. - Due Diligence Vendor-11/08/2023

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981279

Closed

2023-10-19 15:54

2023-10-27 20:22

Resolved

1 - Information

Credit

Closing

Simultaneous Lien Note status is missing

Resolved-Second lien note provided. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Simultaneous Lien Note status is missing  - Due Diligence Vendor-10/19/2023

Resolved-Second lien note provided. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981772

Closed

2023-10-13 19:58

2023-11-08 13:55

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/20/2023

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981772

Closed

2023-10-30 20:16

2023-10-30 20:16

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981772

Closed

2023-10-13 19:53

2023-10-30 20:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  AVM in file exceeded 10% tolerance.  CDA or Field Review is required. - Due Diligence Vendor-10/20/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided.  No Variance. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981805

Closed

2023-10-18 17:56

2023-11-08 13:58

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/24/2023

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981500

Closed

2023-10-30 22:44

2023-10-30 22:44

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981500

Closed

2023-10-20 20:04

2023-10-30 22:44

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/20/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982004

Closed

2023-10-13 17:30

2023-11-08 14:30

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received required documentation. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-No document attached. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Lien on credit was paid by bridge loan#XXX.  Please refer to XXX.PDF - Buyer-10/26/2023 Open-Missing evidence of correct principal reduction and net proceeds from sale of investment property, required for subject property transaction. - Due Diligence Vendor-10/13/2023

Resolved-Received required documentation. - Due Diligence Vendor-11/08/2023

XX.pdf

AZ

Primary Residence

Refinance

No Cash Out - Lender Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982004

Closed

2023-10-20 14:43

2023-11-08 14:29

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Received evidence of sale of Property listed in position 2 on the application. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-No document attached. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Lien on credit was paid by bridge loan#XXX.  Please refer to XXXX.PDF - Buyer-10/26/2023 Open-Final Hud-1, Closing documents, or other evidence of sale from property listed in position 2 on the application evidencing liens paid was not provided.  Final ALTA does not reflect payoff of Lender listed on final application and credit report.  Missing documentation to support omission of mortgage debt as required per AUS.   - Due Diligence Vendor-10/20/2023

Resolved-Received evidence of sale of Property listed in position 2 on the application. - Due Diligence Vendor-11/08/2023

XX.pdf

AZ

Primary Residence

Refinance

No Cash Out - Lender Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982004

Closed

2023-10-13 15:41

2023-10-27 19:56

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Flood Certificate. - Due Diligence Vendor-10/13/2023

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023

XX.pdf

AZ

Primary Residence

Refinance

No Cash Out - Lender Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981518

Closed

2023-10-17 23:02

2023-11-27 21:43

Acknowledged

2 - Non-Material

Credit

Closing

Invalid AUS

Acknowledged-Loan file contains adequate positive loan attributes to mitigate risk of DTI outside of tolerance of DU. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2023 Escalated-Escalated for additional review - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/17/2023 Counter-Updated 1008 provided to convert loan to manual underwriting per Selling Guide. However, subject loan closed with PIW and is not eligible for manually underwritten loan. Condition remains. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-Audited DTI of 29.31% exceeds the most recent AUS DTI of 23.19% by 6.12%. FNMA Guidelines B3-2-10 requires the re-submission to DU if the DTI increase by more than 3%. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Lender provided DU submission #7 dated 08/01/2022 approved with DTI of 28.12%.  However, loan file contained final DU submission #8 dated 08/03/2022 approved with DTI of 23.19%. Per selling guide, the terms of the closed loan must match the terms of the final loan casefile submission in DU or fall within the tolerances permitted. Final DU is outside of tolerance. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI and requires resubmission to DU. - Due Diligence Vendor-10/17/2023

Acknowledged-Loan file contains adequate positive loan attributes to mitigate risk of DTI outside of tolerance of DU. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

10 months reserves, 765 credit score, loan meets all requirements of eligibility matrix

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981518

Closed

2023-10-12 18:30

2023-11-27 21:43

Acknowledged

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Acknowledged-Loan file contains adequate positive loan attributes to mitigate risk of DTI outside of tolerance of DU. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/17/2023 Counter-Updated 1008 provided to convert loan to manual underwriting per Selling Guide. However, subject loan closed with PIW and is not eligible for manually underwritten loan. Condition remains. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-Audited DTI of 29.31% exceeds the most recent AUS DTI of 23.19% by 6.12%. FNMA Guidelines B3-2-10 requires the re-submission to DU if the DTI increase by more than 3%. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Lender provided DU submission #7 dated 08/01/2022 approved with DTI of 28.12%.  However, loan file contained final DU submission #8 dated 08/03/2022 approved with DTI of 23.19%. Per selling guide, the terms of the closed loan must match the terms of the final loan casefile submission in DU or fall within the tolerances permitted. Final DU is outside of tolerance. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Audited DTI of 26.76% exceeds AUS DTI of 26.19% (DU approved DTI of 23.19% + 3% = 26.19% maximum). The loan was approved with an interest rate of 5.25% and P&I, $3,547.36. Documentation in the file reflects the loan closed with an interest rate of 5.785% and P&I, $3,748.87 as per 5.750% interest rate. Additionally, Lender failed to include monthly property taxes on the subject property of $402.73. - Due Diligence Vendor-10/12/2023

Acknowledged-Loan file contains adequate positive loan attributes to mitigate risk of DTI outside of tolerance of DU. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

10 months reserves, 765 credit score, loan meets all requirements of eligibility matrix

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981518

Closed

2023-10-30 22:51

2023-10-30 22:51

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981518

Closed

2023-10-12 18:00

2023-10-30 22:49

Resolved

1 - Information

Property

Property

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

Resolved-2055 dated 10/24/2023 received.  No damage noted.  Condition Cleared. - Due Diligence Vendor-10/30/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/17/2023

Resolved-2055 dated 10/24/2023 received.  No damage noted.  Condition Cleared. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981518

Closed

2023-10-12 17:57

2023-10-30 22:49

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981518

Closed

2023-10-12 18:06

2023-10-20 14:38

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/20/2023 Ready for Review-Document Uploaded.  - Buyer-10/19/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/12/2023

Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/20/2023

XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981580

Closed

2023-10-12 11:59

2023-11-07 23:46

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Evidence that policy was in place at time of disbursement provided. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Hazard Insurance Effective Date of 08-02-2022 is after the Note Date of 07-29-2022 HOI effective date 08/02/2022 is after the disbursement date of 08/01/22 per final CD.  - Due Diligence Vendor-10/12/2023

Resolved-Evidence that policy was in place at time of disbursement provided. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982136

Closed

2023-10-11 15:56

2023-10-27 14:52

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Consolidated loan statement provided showing student loans under income drive RPP with payment included by lender. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Loan file is missing documentation to support that the $0.00 payment used for the student loans is associated with an income-driven repayment plan. Additional conditions may apply. - Due Diligence Vendor-10/12/2023

Resolved-Consolidated loan statement provided showing student loans under income drive RPP with payment included by lender. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982136

Closed

2023-10-11 15:12

2023-10-19 14:57

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood cert received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/11/2023

Resolved-Flood cert received.  - Due Diligence Vendor-10/19/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982113

Closed

2023-10-11 22:15

2023-10-19 14:55

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood cert received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/11/2023

Resolved-Flood cert received.  - Due Diligence Vendor-10/19/2023

XX.pdf

CA

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981410

Closed

2023-10-30 22:57

2023-10-30 22:57

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981410

Closed

2023-10-12 18:16

2023-10-30 22:56

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present.  - Due Diligence Vendor-10/16/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981410

Closed

2023-10-12 19:03

2023-10-27 15:28

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded. Year End Paystubs provided in lieu of WVOE. This will cure the 2 yrs history + ATR Risk. Please refer to for OT amounts which match the income calculation. - Buyer-10/24/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/13/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981410

Closed

2023-10-12 17:41

2023-10-27 15:27

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 WVOE Missing

Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded. Year End Paystubs provided in lieu of WVOE. This will cure the 2 yrs history + ATR Risk. Please refer to for OT amounts which match the income calculation. - Buyer-10/24/2023 Open-Borrower 1 WVOE Missing Unable to calculate and verify two-year history of OT income based on the documentation in file. Will require WVOE with breakdown of fluctuating income.  - Due Diligence Vendor-10/13/2023

Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981711

Closed

2023-10-12 18:45

2023-10-19 14:49

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood cert received. - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/12/2023

Resolved-Flood cert received. - Due Diligence Vendor-10/19/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982198

Closed

2023-10-12 20:27

2023-10-19 14:48

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood cert received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/12/2023

Resolved-Flood cert received.  - Due Diligence Vendor-10/19/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual +705:709Mtg dba OneTrust Home Loans

72982217

Closed

2023-10-19 20:16

2023-11-27 21:56

Acknowledged

2 - Non-Material

Credit

Closing

Invalid AUS

Acknowledged-Loan contains sufficient loan attributes present to offset the verified funds short to close less than $1,000.  Lender issued refund with LOE and PCCD to cure shortage. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding however feel it is non-material due to it being a minimum shortfall and the following compensating factors: FICO 776 DTI < 42% CLTV 75% Residual income > $6K Job stability > 7 yrs  - Seller-11/21/2023 Counter-Two months account statements dated 06/30/2022 and 07/31/2022 provided for borrower's personal checking and savings and co-borrower's personal checking and savings to source additional assets of $499.29 for funds available for closing. However, shortage of $425.80 remains. Borrower's personal checking was previously included in qualifying account balance of $3,426.44 from AccountChek Asset Report dated 08/26/2022. Condition remains. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Seller-11/21/2023 Counter-Business account statements previously provided were included in qualifying asset total of $8,781.91 ($3,426.44 from personal checking + $5,355.47 from business checking).  Shortage remains. Lender provided PCCD issuing Lender credit of $899.78 to cure asset shortage, but asset shortage at closing cannot be cured by PCCD. Condition remains. - Due Diligence Vendor-11/20/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Seller-11/14/2023 Counter-Subject loan closed 08/31/2022. Only one month account statement provided prior to closing (08/01/2002-08/31/2002) whereas guidelines require 2 months statements for purchase transaction. Condition remains. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Seller-11/09/2023 Counter-Lender provided same asset verification included in loan file, however shortage of $925.09 in verified funds remains.  Final CD reflects $9,707.00 in additional cash required to closing after credit for gift of equity, but liquid assets of $8,781.91 were verified. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Seller-10/28/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with Assets - Funds Required to Close requiring resubmission to DU. - Due Diligence Vendor-10/19/2023

Ready for Review-OTHL acknowledges this finding however feel it is non-material due to it being a minimum shortfall and the following compensating factors: FICO 776 DTI < 42% CLTV 75% Residual income > $6K Job stability > 7 yrs  - Seller-11/21/2023  Ready for Review-Document Uploaded.  - Seller-11/21/2023  Ready for Review-Document Uploaded.  - Seller-11/14/2023  Ready for Review-Document Uploaded.  - Seller-11/09/2023  Ready for Review-Document Uploaded.  - Seller-10/28/2023

Acknowledged-Loan contains sufficient loan attributes present to offset the verified funds short to close less than $1,000.  Lender issued refund with LOE and PCCD to cure shortage. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

7 years on job, 776 FICO, 75% LTV/CLTV

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982217

Closed

2023-10-19 12:32

2023-11-27 21:56

Acknowledged

2 - Non-Material

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Acknowledged-Loan contains sufficient loan attributes present to offset the verified funds short to close less than $1,000.  Lender issued refund with LOE and PCCD to cure shortage. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding however feel it is non-material due to it being a minimum shortfall and the following compensating factors: FICO 776 DTI < 42% CLTV 75% Residual income > $6K Job stability > 7 yrs - Seller-11/21/2023 Counter-Two months account statements dated 06/30/2022 and 07/31/2022 provided for borrower's personal checking and savings and co-borrower's personal checking and savings to source additional assets of $499.29 for funds available for closing. However, shortage of $425.80 remains. Borrower's personal checking was previously included in qualifying account balance of $3,426.44 from AccountChek Asset Report dated 08/26/2022. Condition remains. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Seller-11/21/2023 Counter-Business account statements previously provided were included in qualifying asset total of $8,781.91 ($3,426.44 from personal checking + $5,355.47 from business checking).  Shortage remains. Lender provided PCCD issuing Lender credit of $899.78 to cure asset shortage, but asset shortage at closing cannot be cured by PCCD. Condition remains. - Due Diligence Vendor-11/20/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Counter-Subject loan closed 08/31/2022. Only one month account statement provided prior to closing (08/01/2002-08/31/2002) whereas guidelines require 2 months statements for purchase transaction. Condition remains. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Seller-11/09/2023 Counter-Two months business account statements provided to verify funds to close, but account statements are dated 08/2023 and 09/2023 for loan closed 08/31/2022. Additional assets unable to be considered. Condition remains.   - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Seller-11/07/2023 Counter-Lender provided same asset verification included in loan file, however shortage of $925.09 in verified funds remains.  Final CD reflects $9,707.00 in additional cash required to closing after credit for gift of equity, but liquid assets of $8,781.91 were verified. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Seller-10/28/2023 Open-Verified assets of $8,781.91 less cash to close $9,707.00 results in $925.09 shortage of funds to close. - Due Diligence Vendor-10/19/2023

Ready for Review-OTHL acknowledges this finding however feel it is non-material due to it being a minimum shortfall and the following compensating factors: FICO 776 DTI < 42% CLTV 75% Residual income > $6K Job stability > 7 yrs - Seller-11/21/2023  Ready for Review-Document Uploaded.  - Seller-11/21/2023  Ready for Review-Document Uploaded.  - Seller-11/09/2023  Ready for Review-Document Uploaded.  - Seller-11/07/2023  Ready for Review-Document Uploaded.  - Seller-10/28/2023

Acknowledged-Loan contains sufficient loan attributes present to offset the verified funds short to close less than $1,000.  Lender issued refund with LOE and PCCD to cure shortage. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

7 years on job, 776 FICO, 75% LTV/CLTV

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982217

Closed

2023-10-19 20:14

2023-11-21 23:55

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/21/2023 Escalated-OTHL acknowledges this finding however feel it is non-material due to it being a minimum shortfall and the following compensating factors: FICO 776 DTI < 42% CLTV 75% Residual income > $6K Job stability > 7 yrs - Seller-11/21/2023 Escalated-Document Uploaded.  - Seller-11/21/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Seller-11/14/2023 Counter-Subject loan closed 08/31/2022. Only one month account statement provided prior to closing (08/01/2002-08/31/2002) whereas guidelines require 2 months statements for purchase transaction. Condition remains. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Seller-11/09/2023 Counter-Two months business account statements provided to verify funds to close, but account statements are dated 08/2023 and 09/2023 for loan closed 08/31/2022. Additional assets unable to be considered. Condition remains.   - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Seller-11/07/2023 Counter-Lender provided same asset verification included in loan file, however shortage of $925.09 in verified funds remains.  Final CD reflects $9,707.00 in additional cash required to closing after credit for gift of equity, but liquid assets of $8,781.91 were verified. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Seller-10/28/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/19/2023

Escalated-OTHL acknowledges this finding however feel it is non-material due to it being a minimum shortfall and the following compensating factors: FICO 776 DTI < 42% CLTV 75% Residual income > $6K Job stability > 7 yrs - Seller-11/21/2023  Escalated-Document Uploaded.  - Seller-11/21/2023  Ready for Review-Document Uploaded.  - Seller-11/14/2023  Ready for Review-Document Uploaded.  - Seller-11/09/2023  Ready for Review-Document Uploaded.  - Seller-11/07/2023  Ready for Review-Document Uploaded.  - Seller-10/28/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf XX.pdf XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982217

Closed

2023-10-12 20:45

2023-11-08 14:00

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/19/2023

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982217

Closed

2023-10-12 20:59

2023-10-27 20:02

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/12/2023

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981908

Closed

2023-10-20 21:14

2023-11-27 22:00

Acknowledged

2 - Non-Material

Credit

Closing

Invalid AUS

Acknowledged-Loan contains sufficient loan attributes to offset the verified funds short to close less than $1,000.  Lender issued refund with LOE and PCCD to cure shortage. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to cure until 11/29. We feel the finding is non-material due to the following compensating factors: Minimal Shortfall FICO 771 DTI < 40% Residual income > $5K per month - Buyer-11/21/2023 Counter-Lender provided PCCD issuing Lender credit of $969 to cure asset shortage, but asset shortage at closing cannot be cured by PCCD. Condition remains. - Due Diligence Vendor-11/20/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with Assets - Funds Required to Close requiring resubmission to DU. - Due Diligence Vendor-10/20/2023

Acknowledged-Loan contains sufficient loan attributes to offset the verified funds short to close less than $1,000.  Lender issued refund with LOE and PCCD to cure shortage. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

771 FICO, 39.64% DTI, $5,900/mo residual income

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981908

Closed

2023-10-20 17:28

11/27/2023 22:00

Acknowledged

2 - Non-Material

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Acknowledged-Loan contains sufficient loan attributes to offset the verified funds short to close less than $1,000.  Lender issued refund with LOE and PCCD to cure shortage. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to cure until 11/29. We feel the finding is non-material due to the following compensating factors: Minimal Shortfall FICO 771 DTI < 40% Residual income > $5K per month - Buyer-11/21/2023 Counter-Lender provided PCCD issuing Lender credit of $969 to cure asset shortage, but asset shortage at closing cannot be cured by PCCD. Condition remains. - Due Diligence Vendor-11/20/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Open-Verified assets of $13,222.18 less cash to close $14,190.58 and less unverified earnest money $0 results in $968.39 shortage of funds to close. - Due Diligence Vendor-10/20/2023

Acknowledged-Loan contains sufficient loan attributes to offset the verified funds short to close less than $1,000.  Lender issued refund with LOE and PCCD to cure shortage. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

771 FICO, 39.64% DTI, $5,900/mo residual income

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981908

Closed

2023-10-20 17:30

2023-11-21 23:46

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/21/2023 Escalated-OTHL acknowledges this finding and will be unable to cure until 11/29. We feel the finding is non-material due to the following compensating factors: Minimal Shortfall FICO 771 DTI < 40% Residual income > $5K per month  - Buyer-11/21/2023 Escalated-Escalated for additional review. - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/20/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/21/2023

XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981908

Closed

2023-10-11 19:15

2023-10-30 20:09

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure timing requirement not met

Resolved-Lender provided initial CD. Condition cleared. - Due Diligence Vendor-10/30/2023 Ready for Review-Document Uploaded.  - Buyer-10/28/2023 Counter-The lender provided a COC dated 08/25/2022. Please provide copy of the initial CD. Condition maintained. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt. Missing copy of Initial Closing Disclosure.  The file contains only the initial LE dated 08/18/2022, the final closing CD and a post close CD dated 05/20/2023.  - Due Diligence Vendor-10/11/2023

Resolved-Lender provided initial CD. Condition cleared. - Due Diligence Vendor-10/30/2023

XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981908

Closed

2023-10-11 18:38

2023-10-27 20:09

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Flood Certificate . - Due Diligence Vendor-10/11/2023

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981349

Closed

2023-10-13 15:04

2023-10-27 20:18

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/13/2023

Resolved-Flood Certificate is fully present.  FZ is X. - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981707

Closed

2023-10-13 10:23

2023-10-19 14:46

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Flood cert received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Missing Flood Certificate - Due Diligence Vendor-10/13/2023

Resolved-Flood cert received.  - Due Diligence Vendor-10/19/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981975

Closed

2023-10-11 18:03

2023-11-08 14:01

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/19/2023

Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-11/08/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982085

Closed

2023-11-06 21:58

2023-11-06 21:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/06/2023

TX

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982085

Closed

2023-10-12 22:07

2023-11-06 21:57

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982085

Closed

2023-10-12 23:13

2023-11-02 22:20

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Revised LE and COC provided supporting the fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 09/11/2022, does not reflect a Discount Fee. Final CD dated 10/13/2022 reflects a Discount Fee of $4,650. The Initial CD reflecting the increase, dated 10/07/2022 was not) dated within 3 days of the valid COC for a rate lock, which occurred on 09/19/2022. No evidence of a tolerance cure was provided in file. A tolerance cure of $4,650 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-10/12/2023

Resolved-Revised LE and COC provided supporting the fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982085

Closed

2023-10-12 23:13

2023-11-02 22:20

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Revised LE and COC provided supporting the fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded. Invalid Finding: Copy of LE and COC uploaded. LE followed the presume date of 09/26/22. Doesnt appear was uploaded  - Buyer-11/02/2023 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated 09/11/2022, does not reflect a Discount Fee. Final CD dated 10/13/2022 reflects a Discount Fee of $4,650. The Initial CD reflecting the increase, dated 10/07/2022 was not) dated within 3 days of the valid COC for a rate lock, which occurred on 09/19/2022. No evidence of a tolerance cure was provided in file. A tolerance cure of $4,650 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-10/13/2023

Resolved-Revised LE and COC provided supporting the fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981752

Buyer

2023-10-16 15:34

2023-11-20 14:39

Unable to Resolve

3 - Material

Credit

Missing Doc

Missing Mortgage Insurance Certificate

Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-This loan was added in error, OTHL will not be able to resolve this finding.  - Buyer-11/19/2023 Open-Missing  mortgage insurance certificate. - Due Diligence Vendor-10/16/2023

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981752

Buyer

2023-10-16 12:16

2023-11-20 14:39

Unable to Resolve

3 - Material

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-This loan was added in error, OTHL will not be able to resolve this finding.  - Buyer-11/19/2023 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-10/16/2023

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981752

Closed

2023-10-16 15:31

2023-11-08 01:28

Resolved

1 - Information

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided

Resolved-RCE provided confirming adequate coverage. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Counter-No document attached. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Please refer to XXXXE.PDF - Buyer-10/26/2023 Open-The Hazard Insurance Cost Estimator provided in file does not reflect a replacement cost. - Due Diligence Vendor-10/16/2023

Resolved-RCE provided confirming adequate coverage. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981363

Closed

2023-10-12 14:38

2023-10-26 20:38

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Final Closing Disclosure is missing or incomplete Property is in Dry Funding state and missing Final Closing CD (PCCD)  - Due Diligence Vendor-10/12/2023

Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-10/26/2023

XX.pdf

AZ

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982215

Closed

2023-10-16 22:33

2023-10-26 21:04

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure timing requirement not met

Resolved-Lender provided initial CD and COC for increased discount points. Condition cleared. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-10/16/2023

Resolved-Lender provided initial CD and COC for increased discount points. Condition cleared. - Due Diligence Vendor-10/26/2023

XX.pdf XX.pdf

AZ

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981977

Closed

2023-10-13 15:29

2023-10-27 14:33

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Personal Tax Returns Less Than 24 Months Provided

Resolved-2 years tax returns provided supporting the trust income. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Fluctuating payments from a trust asset require complete federal income tax returns for the most recent two-year period.  Only one year provided.  - Due Diligence Vendor-10/13/2023

Resolved-2 years tax returns provided supporting the trust income. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981977

Closed

2023-10-11 19:44

2023-10-27 14:29

Resolved

1 - Information

Credit

Missing Doc

Missing Trust Documentation

Resolved-Trust documentation provided. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Missing Trust Documentation Trust agreement outlining payment terms.  - Due Diligence Vendor-10/11/2023

Resolved-Trust documentation provided. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981251

Closed

2023-10-26 21:17

2023-10-26 21:17

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981251

Closed

2023-10-12 18:48

2023-10-26 21:17

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/18/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981620

Closed

2023-10-13 18:01

2023-11-22 12:36

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  Origination appraisal was PIW; no secondary valuation present.   - Due Diligence Vendor-10/13/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981620

Closed

2023-10-30 23:12

2023-10-30 23:12

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

AZ

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981834

Closed

2023-10-11 23:11

2023-11-06 22:01

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Appraisal or other primary valuation product is missing Appraisal not provided.  - Due Diligence Vendor-10/11/2023

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-10/27/2023

XX.pdf

FL

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981834

Closed

2023-10-17 19:04

2023-11-06 22:01

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. No secondary valuation provided. - Due Diligence Vendor-10/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023

FL

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981834

Closed

2023-10-11 23:19

2023-11-01 14:03

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-10/31/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Florida XXX (DR-4673-FL). - Due Diligence Vendor-10/17/2023

Resolved-Post incident inspection provided - Due Diligence Vendor-11/01/2023

XX.pdf XX.pdf

FL

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981599

Closed

2023-10-14 12:10

2023-10-26 21:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU/LCA score was indeterminate. - Due Diligence Vendor-10/16/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

CA

Investment

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981888

Closed

2023-11-07 23:25

2023-11-07 23:25

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

NC

Investment

Refinance

Cash Out - Other

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981888

Closed

2023-10-16 14:09

2023-11-07 23:24

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/19/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

NC

Investment

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981787

Closed

2023-10-11 15:31

2023-10-27 15:11

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/27/2023 Ready for Review-Please refer to XXXXX_Missing evidence of sale of other property owned (REO).pdf - Buyer-10/26/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of sale of departure residence.  - Due Diligence Vendor-10/11/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/27/2023

SC

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981787

Closed

2023-10-11 14:31

2023-10-27 15:10

Resolved

1 - Information

Credit

Missing Doc

Missing evidence of sale of other property owned (REO)

Resolved-Evidence of sale provided. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-Final Hud-1,Closing documents, or other evidence of sale from property listed in position 3b on the application evidencing liens paid was not provided.  Settlement Statement or Closing Disclosure to reflect payoff of existing mortgage (as reflected on the LoanSafe Fraud Manager report).  The loan file contains only a Seller's Agreement to Occupy After Closing and a General Warranty Deed which does not reflect payoff of the existing mortgage.  - Due Diligence Vendor-10/11/2023

Resolved-Evidence of sale provided. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

SC

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981787

Closed

2023-10-11 15:30

2023-10-24 16:32

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/24/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-10/11/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/24/2023

XX.pdf

SC

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982115

Closed

2023-10-17 23:09

2023-11-02 22:59

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . Missing lease agreement. - Due Diligence Vendor-10/17/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/02/2023

XX.pdf

CO

Investment

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982115

Closed

2023-10-13 21:04

2023-11-02 22:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Lease Agreements Missing

Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-Borrower 1 Lease Agreements Missing for subject property. - Due Diligence Vendor-10/13/2023

Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-11/02/2023

XX.pdf

CO

Investment

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982115

Closed

2023-10-13 21:53

2023-10-27 15:14

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - PUD Rider

Resolved-PUD rider provided. Condition cleared. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/24/2023 Open-PUD Rider is Missing - Due Diligence Vendor-10/13/2023

Resolved-PUD rider provided. Condition cleared. - Due Diligence Vendor-10/27/2023

XX.pdf

CO

Investment

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981689

Closed

2023-10-12 15:53

2023-10-19 14:41

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-E-Consent for both borrowers received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for both borrowers. - Due Diligence Vendor-10/12/2023

Resolved-E-Consent for both borrowers received.  - Due Diligence Vendor-10/19/2023

XX.pdf XX.pdf XX.pdf

CO

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981689

Closed

2023-10-12 15:57

2023-10-12 15:57

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. CU>2.5 but secondary within tolerance - This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/12/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. CU>2.5 but secondary within tolerance - This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.   - Due Diligence Vendor-10/12/2023

CO

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981680

Closed

2023-10-26 21:27

2023-10-26 21:27

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

CO

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981680

Closed

2023-10-13 12:32

2023-10-26 21:26

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM in file exceeded 10% tolerance.  CDA or Field Review is required. - Due Diligence Vendor-10/13/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

CO

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981924

Closed

2023-10-12 17:01

2023-10-26 20:05

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/12/2023

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981924

Closed

2023-10-11 12:46

2023-10-19 14:39

Resolved

1 - Information

Compliance

Missing Doc

RESPA: IEADS Required - Missing or Incomplete

Resolved-IEADS received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-10/11/2023

Resolved-IEADS received.  - Due Diligence Vendor-10/19/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981835

Closed

2023-10-13 13:31

2023-11-03 21:02

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-The lender provided a COC for adding discount points. Condition cleared. - Due Diligence Vendor-11/03/2023 Resolved-Resolved - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 03/XX/2022, does not reflect a Discount Fee. Final CD dated 04/XX/2022 reflects a Discount Fee of $1,455. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $1,455 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-10/13/2023

Resolved-The lender provided a COC for adding discount points. Condition cleared. - Due Diligence Vendor-11/03/2023  Resolved-Resolved - Due Diligence Vendor-11/03/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981835

Closed

2023-10-13 13:31

2023-11-03 21:02

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-The lender provided a COC for adding discount points. Condition cleared. - Due Diligence Vendor-11/03/2023 Resolved-Resolved - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated 03/11/2022, does not reflect a Discount Fee. Final CD dated 04/12/2022 reflects a Discount Fee of $1,455. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $1,455 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-10/13/2023

Resolved-The lender provided a COC for adding discount points. Condition cleared. - Due Diligence Vendor-11/03/2023  Resolved-Resolved - Due Diligence Vendor-11/03/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981835

Closed

2023-10-12 17:37

2023-11-03 20:57

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided e-Consent. Condition cleared. - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower 2 and borrower 3.  - Due Diligence Vendor-10/12/2023

Resolved-Lender provided e-Consent. Condition cleared. - Due Diligence Vendor-11/03/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981986

Closed

2023-10-11 18:52

2023-10-26 21:33

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU/LCA score was indeterminate. - Due Diligence Vendor-10/16/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981701

Closed

2023-10-12 14:21

2023-10-26 21:36

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/12/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981605

Closed

2023-10-12 13:43

2023-11-01 22:38

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-11/01/2023 Ready for Review-Document Uploaded.  - Buyer-11/01/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for California Severe Winter Storms, Flooding, Landslides, and Mudslides (DR-4683-CA). - Due Diligence Vendor-10/12/2023

Resolved-Post incident inspection provided - Due Diligence Vendor-11/01/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982102

Closed

2023-10-13 19:19

2023-10-19 14:38

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-PUD Rider received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-Subject property is PUD and as per DOT PUD rider is required. Loan file is missing PUD rider. - Due Diligence Vendor-10/13/2023

Resolved-PUD Rider received.  - Due Diligence Vendor-10/19/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982102

Closed

2023-10-13 16:00

2023-10-19 14:38

Resolved

1 - Information

Credit

Missing Doc

The Note is Missing

Resolved-Note received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-The Note is Missing - Due Diligence Vendor-10/13/2023

Resolved-Note received.  - Due Diligence Vendor-10/19/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982102

Closed

2023-10-13 15:58

2023-10-19 14:37

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Application received.  - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Open-The Final 1003 is Missing - Due Diligence Vendor-10/13/2023

Resolved-Application received.  - Due Diligence Vendor-10/19/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981844

Closed

2023-10-09 17:19

2023-10-31 15:02

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Counter- - Due Diligence Vendor-10/27/2023 Rejected-Documentation provided is not for the subject transaction. - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Counter-1003 provided for different transaction; appears to be loan #XXX with loan amount of $XXX. Condition remains. - Due Diligence Vendor-10/17/2023 Ready for Review-Document Uploaded. COPY OF FINAL URLA ATTACHED - Buyer-10/16/2023 Open-The Final 1003 is Missing - Due Diligence Vendor-10/09/2023

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/31/2023

XX.pdf XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981844

Closed

2023-10-09 17:28

2023-10-31 14:58

Resolved

1 - Information

Credit

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded.  - Buyer-10/30/2023 Counter- - Due Diligence Vendor-10/27/2023 Rejected-Documentation provided is not for the subject transaction. - Due Diligence Vendor-10/19/2023 Ready for Review-Document Uploaded.  - Buyer-10/18/2023 Counter-Note provided for different transaction; appears to be loan #XXX with loan amount of $XXX. Condition remains. - Due Diligence Vendor-10/17/2023 Ready for Review-Document Uploaded. COPY OF NOTE ATTACHED - Buyer-10/16/2023 Open-The Note is Missing - Due Diligence Vendor-10/09/2023

Resolved-The Note is Present - Due Diligence Vendor-10/31/2023

XX.pdf XX.pdf XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981844

Closed

2023-10-30 23:25

2023-10-30 23:25

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

NV

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981844

Closed

2023-10-09 19:38

2023-10-30 23:22

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-2055 Received.  Value of $XXX supports origination value.  Condition Cleared. - Due Diligence Vendor-10/30/2023 Counter-Appraisal provided for different transaction; appears to be loan #XXXX with loan amount of $616,250. This loan closed with DU PIW and finding is for secondary valuation to meet rating agency requirements. Secondary valuation to be ordered by XXX and reviewed upon receipt. Condition remains. - Due Diligence Vendor-10/17/2023 Ready for Review-Document Uploaded. ATTACHED COPY OF THE APPRAISAL, CAN YOU PLEASE CLARIFY IF YOU ARE REQUESTING A 2ND APPRAISAL? - Buyer-10/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Origination appraisal was PIW; no secondary valuation present.  - Due Diligence Vendor-10/09/2023

Resolved-2055 Received.  Value of $782000 supports origination value.  Condition Cleared. - Due Diligence Vendor-10/30/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981313

Closed

2023-10-13 12:54

2023-10-26 20:07

Resolved

1 - Information

Property

Property

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

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023 Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted for subject county for Florida XXX (DR-4673-FL). - Due Diligence Vendor-10/17/2023

Resolved-Post incident inspection provided.  No Damage Noted.  Condition Cleared. - Due Diligence Vendor-10/26/2023

FL

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981388

Closed

2023-11-16 15:58

2023-11-16 15:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. BPO value is within tolerance. - Due Diligence Vendor-11/16/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. BPO value is within tolerance. - Due Diligence Vendor-11/16/2023

NC

Investment

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981388

Closed

2023-10-24 14:43

2023-11-16 15:57

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/26/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/16/2023

NC

Investment

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981388

Closed

2023-10-24 14:55

2023-11-10 21:38

Acknowledged

2 - Non-Material

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Acknowledged-Lender acknowledges finding. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-OTHL Acknowledges this finding - Buyer-11/10/2023 Open-The disclosed finance charge ($313,880.53) is ($1,850.00) below the actual finance charge($315,730.53). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1)   It appears the lender did not include the Inspection and Handling Fee in the amount of $1,850 in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-10/24/2023

Acknowledged-Lender acknowledges finding. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-11/10/2023

NC

Investment

Construction-Perm

No Cash Out - Borrower Initiated

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981388

Closed

2023-10-24 14:48

2023-11-08 21:52

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/06/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/24/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Investment

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981388

Closed

2023-11-08 14:37

2023-11-08 21:52

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of 11-XXX2021 is prior to or equal to the Note Date of 11-XX-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded. Please see attached Builder's Risk policy to account for gap in coverage on HOI policy - Buyer-11/08/2023 Open-Hazard Insurance Effective Date of 10-XX-2023 is after the Note Date of 11-XXx-2021 - Due Diligence Vendor-11/08/2023

Resolved-Hazard Insurance Effective Date of 11-01-2021 is prior to or equal to the Note Date of 11-10-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Investment

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981971

Closed

2023-10-13 18:40

2023-11-22 13:49

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-10/13/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

NC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981296

Closed

2023-10-13 22:32

2023-11-07 21:36

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/13/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

TN

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981879

Closed

2023-10-12 15:51

2023-10-26 21:25

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-. - Due Diligence Vendor-10/26/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/12/2023

Resolved-. - Due Diligence Vendor-10/26/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/26/2023

NC

Second Home

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981879

Closed

2023-10-26 21:20

2023-10-26 21:20

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P and A for all other agencies. - Due Diligence Vendor-10/26/2023

NC

Second Home

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981307

Closed

2023-10-13 17:45

2023-11-03 20:49

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-11/03/2023 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/03/2023 Ready for Review- - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is Missing. Unable to run Compliance testing, additional findings may apply once received. - Due Diligence Vendor-10/25/2023

Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-11/03/2023  Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/03/2023

XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981307

Closed

2023-10-13 19:28

2023-11-02 19:13

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-PUD rider provided. Condition cleared. - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The PUD Rider is Missing - Due Diligence Vendor-10/26/2023

Resolved-PUD rider provided. Condition cleared. - Due Diligence Vendor-11/02/2023

XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981307

Closed

2023-10-13 15:24

2023-11-02 19:13

Resolved

1 - Information

Credit

Missing Doc

The Note is Missing

Resolved-The Note is Present - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The Note is Missing - Due Diligence Vendor-10/13/2023

Resolved-The Note is Present - Due Diligence Vendor-11/02/2023

XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981307

Closed

2023-10-13 15:26

2023-11-02 19:11

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage/Deed of Trust

Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/02/2023 Ready for Review-Document Uploaded.  - Buyer-11/02/2023 Open-The Deed of Trust is Missing - Due Diligence Vendor-10/13/2023

Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/02/2023

XX.pdf

NM

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981332

Closed

2023-11-07 23:11

2023-11-07 23:11

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981332

Closed

2023-10-19 19:06

2023-11-07 23:10

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/07/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981332

Closed

2023-10-19 14:28

2023-10-27 19:43

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/19/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981332

Closed

2023-10-20 11:36

2023-10-26 20:16

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) Missing E-consent - Due Diligence Vendor-10/20/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981371

Closed

2023-10-30 22:24

2023-10-30 22:24

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981371

Closed

2023-10-16 19:20

2023-10-30 22:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  Origination appraisal was PIW; no secondary valuation present. - Due Diligence Vendor-10/23/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/30/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981371

Closed

2023-10-16 19:19

2023-10-26 18:27

Resolved

1 - Information

Compliance

TRID

TRID disclosure(s) for Borrower electronically dated prior to E-Consent

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-TRID disclosure(s) signed 09/11/2023 is prior to E-Consent from Borrower 9/15/2023. - Due Diligence Vendor-10/20/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-10/26/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981472

Closed

2023-11-06 19:20

2023-11-24 12:28

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 2

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023 Open-. - Due Diligence Vendor-11/06/2023 Rescinded-The HVE provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/06/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/06/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/19/2023  Rescinded-The HVE provides a value > -10% of the appraised value.  - Due Diligence Vendor-11/06/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981472

Closed

2023-11-08 14:28

2023-11-23 22:29

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023 Acknowledged- - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance. This finding is material and will be rated a C for S&P.  All other agencies will be rated as A. - Due Diligence Vendor-11/08/2023

Acknowledged-This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/23/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981472

Closed

2023-10-25 15:15

2023-11-22 00:45

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Audited FICO of 805 is equal to or greater than AUS FICO of 805. Corrected Note provided removing co-borrower from loan. No resubmission to DU required. Condition cleared. - Due Diligence Vendor-11/22/2023 Ready for Review-Document Uploaded. See attached Note removing XXX as she is a title only individual and is not obligated on the transaction - Buyer-11/21/2023 Open-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/21/2023 Counter-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/06/2023 Ready for Review-XXX is a Title Only Individual and not a borrower. This finding is invalid as although XXX, is in vesting, she is not a coborrower on the loan.  - Buyer-11/04/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI, AUS does not include Borrower 2. - Due Diligence Vendor-10/25/2023

Resolved-Audited FICO of 805 is equal to or greater than AUS FICO of 805. Corrected Note provided removing co-borrower from loan. No resubmission to DU required. Condition cleared. - Due Diligence Vendor-11/22/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981472

Closed

2023-10-25 15:07

2023-11-22 00:42

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/22/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Open-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/21/2023 Counter-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/06/2023 Ready for Review-XXX is a Title Only Individual and not a borrower. This finding is invalid as although XXX, is in vesting, she is not a coborrower on the loan.  - Buyer-11/04/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  Audited DTI of 70.54% exceeds AUS DTI of 49.71%. - Due Diligence Vendor-10/25/2023

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/22/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981472

Closed

2023-10-25 15:10

2023-11-22 00:42

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 49.71% is less than or equal to AUS DTI of 50%. Corrected Note provided removing co-borrower from loan. Condition cleared. - Due Diligence Vendor-11/22/2023 Ready for Review-See attached Note removing XXX as she is a title only individual and is not obligated on the transaction - Buyer-11/21/2023 Open-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/21/2023 Counter-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/06/2023 Ready for Review-XXX is a Title Only Individual and not a borrower. This finding is invalid as although XXX, is in vesting, she is not a coborrower on the loan.  - Buyer-11/04/2023 Open-Audited DTI of 70.54% exceeds AUS DTI of 49.71% Audit included the debt from the credit report for Borrower 2. - Due Diligence Vendor-10/25/2023

Resolved-Audited DTI of 49.71% is less than or equal to AUS DTI of 50%. Corrected Note provided removing co-borrower from loan. Condition cleared. - Due Diligence Vendor-11/22/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981472

Closed

2023-10-25 15:10

2023-11-22 00:42

Resolved

1 - Information

Credit

Eligibility

Audited FICO is less than AUS FICO

Resolved-Audited FICO of 805 is equal to or greater than AUS FICO of 805. Corrected Note provided removing co-borrower from loan. Condition cleared. - Due Diligence Vendor-11/22/2023 Ready for Review-Document Uploaded. See attached Note removing XXX as she is a title only individual and is not obligated on the transaction - Buyer-11/21/2023 Open-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/21/2023 Counter-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/06/2023 Ready for Review-XXX is a Title Only Individual and not a borrower. This finding is invalid as although XXX, is in vesting, she is not a coborrower on the loan.  - Buyer-11/04/2023 Open-Audited FICO of 603 is less than AUS FICO of 805 Audit Credit Scores based on the Credit Report for Borrower 2. - Due Diligence Vendor-10/25/2023

Resolved-Audited FICO of 805 is equal to or greater than AUS FICO of 805. Corrected Note provided removing co-borrower from loan. Condition cleared. - Due Diligence Vendor-11/22/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981472

Closed

2023-10-25 15:20

2023-11-22 00:39

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/22/2023 Ready for Review-Document Uploaded. See attached Note removing XXX as she is a title only individual and is not obligated on the transaction - Buyer-11/21/2023 Open-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/21/2023 Counter-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/06/2023 Ready for Review-XXX is a Title Only Individual and not a borrower. This finding is invalid as although XXX, is in vesting, she is not a coborrower on the loan.  - Buyer-11/04/2023 Counter-Lender provided Homeownership Counseling Organizations Disclosure for Borrower 1. Please provide disclosure for Borrower 2. Condition maintained. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete for Borrower 2. - Due Diligence Vendor-10/25/2023

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/22/2023

XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981472

Closed

2023-10-25 15:23

2023-11-22 00:39

Resolved

1 - Information

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-11/22/2023 Ready for Review-Document Uploaded. See attached Note removing XXX as she is a title only individual and is not obligted on the transaction - Buyer-11/21/2023 Open-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/21/2023 Counter-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/06/2023 Ready for Review-XXX is a Title Only Individual and not a borrower. This finding is invalid as although XXX, is in vesting, she is not a coborrower on the loan.  - Buyer-11/04/2023 Counter-Despite 1008 and DU reflecting one borrower, loan closed with 2 borrowers.  Construction Note and Permanent Modification both reflect 2 borrowers. Condition remains. - Due Diligence Vendor-10/31/2023 Ready for Review-Document Uploaded. There is only one (1) Borrower in this loan. Please check 1008 Loan Transmittal and Final AUS.  - Buyer-10/31/2023 Counter-Lender provided AfBA Disclosure for Borrower 1. Please provide disclosure for Borrower 2. Condition maintained. - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/26/2023 Open-RESPA: AfBA Disclosure is Missing, disclosure is not signed by Borrower 2. - Due Diligence Vendor-10/25/2023

Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-11/22/2023

XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981472

Closed

2023-10-25 14:19

2023-11-22 00:30

Resolved

1 - Information

Credit

Missing Doc

Incomplete Final Application

Resolved-The Final 1003 is Present - Due Diligence Vendor-11/22/2023 Ready for Review-Document Uploaded. See attached Note removing XXX as she is a title only individual and is not obligated on the transaction - Buyer-11/21/2023 Open-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/21/2023 Counter-The Construction Note and Permanent Modification was signed by XXX, making her obligated to the Note and therefore a borrower. Condition maintained. - Due Diligence Vendor-11/06/2023 Ready for Review-XXX is a Title Only Individual and not a borrower. This finding is invalid as although XXX, is in vesting, she is not a coborrower on the loan.  - Buyer-11/04/2023 Open-The Final 1003 is Incomplete The Final 1003 for Borrower 2 is missing from the loan file. - Due Diligence Vendor-10/25/2023

Resolved-The Final 1003 is Present - Due Diligence Vendor-11/22/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981982

Closed

2023-10-19 15:19

2023-11-08 21:22

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Executed final settlement from sale provided. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter-Executed CD from subject loan provided, but finding is for missing final HUD/final CD from sale of borrowers' prior residence. Condition remains. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-The file is missing a Final signed/certified HUD-1 to document the sale of the Borrower's current primary residence. An unsigned Estimated was provided. - Due Diligence Vendor-10/19/2023

Resolved-Executed final settlement from sale provided. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981982

Closed

2023-10-13 17:45

2023-11-06 21:53

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/03/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Counter-No document attached. Condition remains. - Due Diligence Vendor-10/30/2023 Ready for Review-Please refer to XXXXX- Buyer-10/26/2023 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-10/13/2023

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/03/2023

XX.pdf

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981982

Closed

2023-10-13 17:51

2023-11-06 21:53

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/19/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/06/2023

AZ

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981629

Closed

2023-10-23 13:27

2023-10-27 19:17

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023 Ready for Review-Document Uploaded.  - Buyer-10/25/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981244

Closed

2023-10-26 12:52

2023-11-22 12:42

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements DTI exceeds guidelines.  - Due Diligence Vendor-10/26/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/06/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981244

Closed

2023-10-23 17:45

2023-11-06 20:54

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Credit supplement and AUS provided show DTI was correct, finding cleared. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Audited DTI of 46.03% exceeds AUS DTI of 45.28% . No tolerance for LP approved > 45%. Lender utilized monthly consumer debt payments of $990 rather than $1,081 as reflected on credit report dated 06/06/2022 with no evidence to support the omission of revolving accounts. - Due Diligence Vendor-10/23/2023

Resolved-Credit supplement and AUS provided show DTI was correct, finding cleared. - Due Diligence Vendor-11/06/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981244

Closed

2023-10-26 19:23

2023-11-06 20:53

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Credit supplement and AUS provided show information was correct, finding cleared. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI requiring resubmission to LP. - Due Diligence Vendor-10/26/2023

Resolved-Credit supplement and AUS provided show information was correct, finding cleared. - Due Diligence Vendor-11/06/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981244

Closed

2023-10-23 14:47

2023-11-06 19:31

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Insurance policy provided, finding cleared. - Due Diligence Vendor-11/06/2023 Ready for Review-Document Uploaded.  - Buyer-11/03/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/23/2023

Resolved-Insurance policy provided, finding cleared. - Due Diligence Vendor-11/06/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982094

Closed

2023-10-19 19:08

2023-11-17 17:33

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  No secondary valuation provided. - Due Diligence Vendor-10/19/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023

VI

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982214

Closed

2023-11-22 00:42

2023-11-22 00:42

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

SC

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982214

Closed

2023-11-03 12:57

2023-11-22 00:41

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981262

Closed

2023-11-17 14:00

2023-11-17 14:00

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/17/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/17/2023

ID

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981262

Closed

2023-11-04 07:04

2023-11-17 13:59

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-11/04/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/17/2023

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981649

Closed

2023-11-21 17:26

2023-11-21 17:26

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/21/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/21/2023

CA

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981649

Closed

2023-11-03 13:28

2023-11-21 17:25

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/20/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981649

Closed

2023-11-03 13:33

2023-11-15 18:35

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of 09-29-2023 is prior to or equal to the Note Date of 10-02-2023 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/15/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Open-Hazard Insurance Effective Date of 10-XXx-2023 is after the Note Date of 10-XXX-2023 - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Effective Date of 09-29-2023 is prior to or equal to the Note Date of 10-02-2023 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/15/2023

XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981300

Closed

2023-11-03 13:15

2023-11-22 22:03

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

XX.pdf

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981300

Closed

2023-11-21 17:14

2023-11-21 17:14

Acknowledged

2 - Non-Material

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/21/2023

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-11/21/2023

ID

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981637

Closed

2023-11-03 21:27

2023-11-10 15:51

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-11/03/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981637

Closed

2023-11-03 21:56

2023-11-10 15:50

Resolved

1 - Information

Credit

Missing Doc

Missing Gift Documentation

Resolved-Gift assets of $25,000 were not required to qualify. Additional source/seasoning of assets provided. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-Guidelines require a signed gift letter from the donor specifying the following:  (1) the specific dollar amount of the gift and the date the funds were transferred to the borrower, (2)donor’s name, address, telephone number and the relationship to the borrower and (3) the donor’s statement that no repayment is expected.  The gift documentation is missing for the gift funds listed on the final application. Missing Gift document for the $135,000.00 - Due Diligence Vendor-11/03/2023

Resolved-Gift assets of $25,000 were not required to qualify. Additional source/seasoning of assets provided. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

CA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981939

Closed

2023-11-03 15:39

2023-11-10 22:13

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Solar lease provided. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing solar lease agreement - Due Diligence Vendor-11/03/2023

Resolved-Solar lease provided. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981939

Closed

2023-11-03 15:55

2023-11-10 22:13

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-11/03/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/10/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982201

Closed

2023-11-06 14:58

2023-11-24 15:08

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Loan file is missing the subject property Hazard Insurance.  - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023

PA

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982201

Closed

2023-11-06 13:46

2023-11-08 19:49

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

PA

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981936

Closed

2023-11-03 16:20

2023-11-14 22:22

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981936

Closed

2023-11-08 20:26

2023-11-14 22:22

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall - Replacement Cost Provided

Resolved-Hazard Insurance Coverage Amount of $511000 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present. RCE provided confirming accurate coverage. Condition cleared. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $511000 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 $629123 . Estimated cost new per appraisal is $629,123. - Due Diligence Vendor-11/08/2023

Resolved-Hazard Insurance Coverage Amount of $511000 is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present. RCE provided confirming accurate coverage. Condition cleared. - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981733

Closed

2023-11-22 21:20

2023-11-22 21:20

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

ID

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981733

Closed

2023-11-03 17:29

2023-11-22 21:19

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981733

Closed

2023-11-03 18:50

2023-11-10 20:06

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - Other Rider

Resolved-Rider provided. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded. Attached recorded security instrument with both riders and Ex A - Buyer-11/09/2023 Open-Missing Mortgage Rider - Other Rider Tax Exempt Financing Rider is missing in file - Due Diligence Vendor-11/03/2023

Resolved-Rider provided. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981634

Closed

2023-11-03 15:26

2023-11-20 23:12

Resolved

1 - Information

Credit

Eligibility

Insufficient Reserves

Resolved-Evidence provided that non-borrowing vested owner contributed $20K to closing via properly documented sourced and seasoned assets. Sufficient reserves held in Borrower's name documented. Condition cleared. - Due Diligence Vendor-11/20/2023 Ready for Review-proof of funds used at closing are attached. The 2nd page shows $20K from the non-borrowing owner. Looks like they had an overage to title since cash to close was only $78,712.68, but even if the overage was returned to the non-borrowing owner, the borrower would have had sufficient reserves.  - Buyer-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/18/2023 Counter-Lender rebuttal reviewed. No evidence of amount of funds contributed by non-borrowing vested owner in file. Please provide evidence of funds submitted from non-borrowing owner to settlement for recalculation of borrower's funds available for reserves. Condition remains.  - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Counter-Lender rebuttal reviewed. Additional party does not qualify as non-occupying borrower as does not have joint liability for the Note. Unable to locate guideline to support arrangement - please provide guideline reference. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-Verified assets of $88,351.25 minus cash to close of $78,712.68 equates to $9,638.57 which is less than the required reserves of $14,615.40, a shortage of $4,976.83.  Asset #4 on the final loan application is not under the borrower's name.   - Due Diligence Vendor-11/03/2023

Resolved-Evidence provided that non-borrowing vested owner contributed $20K to closing via properly documented sourced and seasoned assets. Sufficient reserves held in Borrower's name documented. Condition cleared. - Due Diligence Vendor-11/20/2023

XX.pdf XX.pdf XX.pdf

SC

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981634

Closed

2023-11-03 15:52

2023-11-20 23:10

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded. proof of funds used at closing are attached. The 2nd page shows $20K from the non-borrowing owner. Looks like they had an overage to title since cash to close was only $78,712.68, but even if the overage was returned to the non-borrowing owner, the borrower would have had sufficient reserves.  - Buyer-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/18/2023 Counter-Lender rebuttal reviewed. No evidence of amount of funds contributed by non-borrowing vested owner in file. Please provide evidence of funds submitted from non-borrowing owner to settlement for recalculation of borrower's funds available for reserves. Condition remains.  - Due Diligence Vendor-11/17/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Counter-Lender rebuttal reviewed. Additional party does not qualify as non-occupying borrower as does not have joint liability for the Note. Unable to locate guideline to support arrangement - please provide guideline reference. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Insufficient reserves.   - Due Diligence Vendor-11/03/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/20/2023

XX.pdf XX.pdf XX.pdf

SC

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981634

Closed

2023-11-03 14:55

2023-11-08 22:23

Resolved

1 - Information

Compliance

NMLS

Lender Name and NMLS ID on final application do not match the NMLS Database information

Resolved-Lender provided signed final 1003 with correct lender NMLS ID. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-Lender Name and NMLS ID on final application do not match the NMLS Database information. The final loan application indicates NMLS# of XXX while the NMLS Database reflects NMLS# of XXXx. - Due Diligence Vendor-11/03/2023

Resolved-Lender provided signed final 1003 with correct lender NMLS ID. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

SC

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981293

Closed

2023-11-03 19:03

2023-11-27 22:05

Acknowledged

2 - Non-Material

Credit

Missing Doc

AUS Not Provided

Acknowledged-DU Approve Eligible due to loan amount only. Subject loan amount less than anticipated increased loan limit for 2024. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/22/2023 Counter-Finding to re-reviewed following release of Fannie Mae Lender Letter announcing new loan limits for 2024. - Due Diligence Vendor-11/20/2023 Ready for Review-OTHL acknowledges this findings however feel it is non-material due to the proposed 2024 loan limits of at least 750k and the following compensating factors: FICO 777 Reserves > $47K DTI < 33% CLTV 75% Residual income > $19K per month Job stability > 25 yrs - Buyer-11/19/2023 Counter- - Due Diligence Vendor-11/14/2023 Ready for Review-Apologies, i uploaded this to the wrong finding. - Buyer-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Counter-Resubmitted DU provided, but decision is Approve/Ineligible due to loan amount > $726,200. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-Missing AUS The loan is missing the updated AUS for a requalified loan. - Due Diligence Vendor-11/03/2023

Acknowledged-DU Approve Eligible due to loan amount only. Subject loan amount less than anticipated increased loan limit for 2024. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/22/2023

XX.pdf XX.pdf

Verified Assets totaling $55,665.49.  Qualifying FICO of 777. B1 21.5 years in the industry.  B2 on job for 25 years with 25 years in the industry.

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981293

Closed

2023-11-03 19:12

2023-11-27 22:05

Acknowledged

2 - Non-Material

Credit

Eligibility

Loan amount exceeds the guideline maximum

Acknowledged-Subject loan amount less than anticipated increased loan limit for 2024. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/22/2023 Counter-Finding to re-reviewed following release of Fannie Mae Lender Letter announcing new loan limits for 2024. - Due Diligence Vendor-11/20/2023 Ready for Review-OTHL acknowledges this findings however feel it is non-material due to the proposed 2024 loan limits of at least 750k and the following compensating factors: FICO 777 Reserves > $47K DTI < 33% CLTV 75% Residual income > $19K per month Job stability > 25 yrs - Buyer-11/19/2023 Open-Agency guidelines allow a maximum loan amount of $647,200. The final subject loan amount is $743,567.35.  - Due Diligence Vendor-11/03/2023

Acknowledged-Subject loan amount less than anticipated increased loan limit for 2024. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/22/2023

Verified Assets totaling $55,665.49.  Qualifying FICO of 777. B1 21.5 years in the industry.  B2 on job for 25 years with 25 years in the industry.

NC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981293

Closed

2023-11-03 19:09

2023-11-14 21:52

Resolved

1 - Information

Credit

Income/Employment

Income documentation expiration dates

Resolved-Updated income and employment verification for requalified loan construction-perm loan. Condition cleared. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Counter-Updated income docs provided as required for requalification; however, borrower's employment changed and updated verification of employment required. Condition remains. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The income documentation provided for the borrower is dated greater than 12 months prior the Note Modification Agreement date. Please provide updated Borrower 1 income for requalification purposes. Additional conditions may apply. - Due Diligence Vendor-11/03/2023

Resolved-Updated income and employment verification for requalified loan construction-perm loan. Condition cleared. - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981293

Closed

2023-11-06 16:44

2023-11-09 16:19

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Evidence of undiscounted rate provided. Points and fees re-tested and within fee limit. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The loan fees ($27,290.54) exceed the (QM) (Note Amount >=$114,847.00) fee limit, which is 3% of the Total Loan Amount ($21,308.62), the difference is ($5,981.92). (12 CFR 1026.43(e)(3). Documentation provided indicates bona fide Discount Points, however there is no evidence of the Par Rate in the loan file. - Due Diligence Vendor-11/06/2023

Resolved-Evidence of undiscounted rate provided. Points and fees re-tested and within fee limit. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981293

Closed

2023-11-03 18:42

2023-11-08 19:31

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981293

Seller

2023-11-03 18:26

2023-11-21 19:38

Counter

3 - Material

Property

Value

Missing Post Close Valuation - 1

Counter-2055 provided with value of $830,000, which exceeds 10% tolerance for origination appraisal value of $990,000. Secondary valuation requirement not satisfied.  Full URAR within acceptable tolerance required to satisfy rating agency secondary valuation requirements. Condition remains. - Due Diligence Vendor-11/21/2023 Ready for Review-Document Uploaded.  - Buyer-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981522

Closed

2023-11-04 08:13

2023-11-09 18:18

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/04/2023

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

NC

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981339

Closed

2023-11-03 18:11

2023-11-08 19:13

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Hazard Insurance Policy is missing the coverage Amount. - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

NV

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981849

Closed

2023-11-22 13:27

2023-11-22 13:27

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981849

Closed

2023-11-03 18:40

2023-11-22 13:26

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981849

Closed

2023-11-06 16:35

2023-11-15 19:03

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/15/2023 Ready for Review-Document Uploaded.  - Buyer-11/15/2023 Counter-HOI provided for review has an effective date of 05/06/2023, Builder's Risk Coverage expired 12/17/2022; please provide evidence of coverage from 12/17/2022 through 05/06/2023. Condition remains. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing Hazard Insurance Policy Loan file contained only the Builder's Risk policy.  Missing Hazard Insurance policy for the permanent loan.  - Due Diligence Vendor-11/06/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/15/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981849

Closed

2023-11-06 12:06

2023-11-13 15:56

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Audited DTI of 47.92% is less than or equal to AUS DTI of 48.19%. Evidence of student loan payment in income driven repayment plan. DTI recalculated as 47.92% and within tolerance of DU approved DTI of 45.19%. Condition cleared.  - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. File required to be resubmitted to DU with Updated credit. Additional conditions may apply.  - Due Diligence Vendor-11/06/2023

Resolved-Audited DTI of 47.92% is less than or equal to AUS DTI of 48.19%. Evidence of student loan payment in income driven repayment plan. DTI recalculated as 47.92% and within tolerance of DU approved DTI of 45.19%. Condition cleared.  - Due Diligence Vendor-11/13/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981849

Closed

2023-11-06 12:04

2023-11-08 23:19

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Counter- - Due Diligence Vendor-11/08/2023 Open-Recalculation of Bonus income; Audited DTI of 69.43% exceeds AUS DTI of 48.19% due to missing documentation of the Student Loan payment. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Payment of 1% of outstanding balance for student loan debts not used in lender DTI calculation.  Additionally, loan file is missing documentation for the IRS payment plan.  - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981849

Closed

2023-11-06 16:44

2023-11-08 23:19

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/08/2023 Counter-Recalculation of Bonus income; Audited DTI of 69.43% exceeds AUS DTI of 48.19% due to missing documentation of the Student Loan payment. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender included bonus income received less than 12 months. - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/08/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981849

Closed

2023-11-06 12:17

2023-11-08 23:18

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 47.92% is less than or equal to AUS DTI of 48.19%. Evidence of student loan payment in income driven repayment plan. DTI recalculated as 47.92% and within tolerance of DU approved DTI of 45.19%. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review- - Due Diligence Vendor-11/08/2023 Counter-Recalculation of Bonus income; Audited DTI of 69.43% exceeds AUS DTI of 48.19% due to missing documentation of the Student Loan payment. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Audited DTI of 78.59% exceeds AUS DTI of 48.19% Lender included bonus income received less than 12 months and did not include 1% payment for deferred student loan payments or provide evidence of payment agreement.  - Due Diligence Vendor-11/06/2023

Resolved-Audited DTI of 47.92% is less than or equal to AUS DTI of 48.19%. Evidence of student loan payment in income driven repayment plan. DTI recalculated as 47.92% and within tolerance of DU approved DTI of 45.19%. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981849

Closed

2023-11-03 19:35

2023-11-08 23:13

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Evidence of IRS payment plan provided. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-Missing documentation for the IRS payment plan.  - Due Diligence Vendor-11/03/2023

Resolved-Evidence of IRS payment plan provided. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981849

Seller

2023-11-03 18:43

2023-11-03 18:43

Open

3 - Material

Property

Property

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

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-11/03/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981289

Closed

2023-11-04 01:29

2023-11-22 13:36

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/04/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981289

Closed

2023-11-04 14:20

2023-11-04 14:20

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/04/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981775

Closed

2023-11-16 23:04

2023-11-27 21:56

Acknowledged

2 - Non-Material

Credit

Eligibility

Loan amount exceeds maximum allowed per program guidelines

Acknowledged-Subject loan amount less than anticipated increased loan limit for 2024. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/22/2023 Counter-Finding to re-reviewed following release of Fannie Mae Lender Letter announcing new loan limits for 2024. - Due Diligence Vendor-11/20/2023 Ready for Review-OTHL acknowledges this finding, however, feel it is non-material due to the proposed 2024 loan limits >= 750k and the following compensating factors: FICO 762; Reserves > $534K; DTI < 43%; CLTV < 46%; Residual income >$8K per month; Employment stability > 14 yrs same field  - Buyer-11/19/2023 Open-Audited Loan Amount of $730000 is greater than the Guideline Maximum Loan Amount of $726200 - Due Diligence Vendor-11/16/2023

Acknowledged-Subject loan amount less than anticipated increased loan limit for 2024. This finding is deemed non-material and will be rated as B for all agencies. - Due Diligence Vendor-11/22/2023

Verified Assets totaling $551,310.51.  Qualifying FICO of 762. LTV/CLTV of 45.63%.

OR

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981775

Closed

2023-11-06 19:30

2023-11-08 22:04

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/08/2023 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/06/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-11/08/2023

OR

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982067

Closed

2023-11-06 18:52

2023-11-09 16:58

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements, The loan file is missing a fully completed standard Verification of Employment to calculate OT and bonus income for B2. - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982067

Closed

2023-11-06 13:17

2023-11-09 16:57

Resolved

1 - Information

Credit

Income/Employment

Income 4 Months Income Verified is Missing

Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Income 4 Months Income Verified is Missing The loan file is missing a fully completed standard Verification of Employment to calculate OT and bonus income for B2.  The Lender Income worksheet reflects 2 years calculations not found in the loan file.  Additional conditions may apply.  - Due Diligence Vendor-11/06/2023

Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982067

Closed

2023-11-06 13:17

2023-11-09 16:57

Resolved

1 - Information

Credit

Income/Employment

Income 5 Months Income Verified is Missing

Resolved-Income 5 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Income 5 Months Income Verified is Missing The loan file is missing a fully completed standard Verification of Employment to calculate OT and bonus income for B2.  The Lender Income worksheet reflects 2 years calculations not found in the loan file.  Additional conditions may apply.  - Due Diligence Vendor-11/06/2023

Resolved-Income 5 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982067

Closed

2023-11-06 17:41

2023-11-08 17:16

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/06/2023

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982067

Closed

2023-11-06 15:33

2023-11-08 17:13

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Hazard Insurance Policy Partially Provided A hazard insurance declaration for this subject property was not provided.  - Due Diligence Vendor-11/06/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981856

Closed

2023-11-03 15:57

2023-11-10 15:15

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/10/2023 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/10/2023 Ready for Review-Per FNMA Seller Guide, B3-3.1-07 "lenders may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE cannot be obtained prior to delivery, the loan is ineligible for delivery to Fannie Mae." As this loan has not been delivered to FNMA, it is acceptable to obtain the VVOE post closing. https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/Section-B3-3-1-Employment-and-Other-Sources-of-Income/1032991031/B3-3-1-07-Verbal-Verification-of-Employment-08-03-2022.htm - Buyer-11/10/2023 Counter-Employment verifications provided are dated post close.  - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-11/03/2023

Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/10/2023  Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981856

Closed

2023-11-03 15:42

2023-11-10 15:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/10/2023 Ready for Review-Per FNMA Seller Guide, B3-3.1-07 "lenders may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE cannot be obtained prior to delivery, the loan is ineligible for delivery to Fannie Mae." As this loan has not been delivered to FNMA, it is acceptable to obtain the VVOE post closing. https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/Section-B3-3-1-Employment-and-Other-Sources-of-Income/1032991031/B3-3-1-07-Verbal-Verification-of-Employment-08-03-2022.htm - Buyer-11/10/2023 Counter-VVOE provided is dated post close.  - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/03/2023

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/10/2023

XX.pdf

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981856

Closed

2023-11-03 15:42

2023-11-10 15:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/10/2023 Ready for Review-Per FNMA Seller Guide, B3-3.1-07 "lenders may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE cannot be obtained prior to delivery, the loan is ineligible for delivery to Fannie Mae." As this loan has not been delivered to FNMA, it is acceptable to obtain the VVOE post closing. https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/Section-B3-3-1-Employment-and-Other-Sources-of-Income/1032991031/B3-3-1-07-Verbal-Verification-of-Employment-08-03-2022.htm - Buyer-11/10/2023 Counter-VVOE provided is dated post close. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/03/2023

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/10/2023

XX.pdf

ID

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981938

Closed

2023-11-22 20:52

2023-11-22 20:52

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981938

Closed

2023-11-03 17:50

2023-11-22 20:52

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981938

Closed

2023-11-03 18:05

2023-11-13 22:29

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-Lender requalified loan by reducing bonus income from $1305/month to $819/month by properly averaging YTD plus prior 2 years, but loan file contains no verification of bonus income used for 2022 ($8,556) or 2021 ($8,992). Condition remains. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing verification of two-year receipt of bonus income.  - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981938

Closed

2023-11-06 14:41

2023-11-13 22:29

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/13/2023 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing Hazard Insurance policy. - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/13/2023  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981938

Closed

2023-11-03 18:09

2023-11-13 22:26

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Documentation of bonus income provided for prior 2 years. Condition cleared. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-Lender requalified loan by reducing bonus income from $1305/month to $819/month by properly averaging YTD plus prior 2 years, but loan file contains no verification of bonus income used for 2022 ($8,556) or 2021 ($8,992). Condition remains. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Bonus income was used for qualifying.  Missing verification of two-year receipt of bonus income.  The Lender's URLA Income Calculation Worksheet reflects figures for 2021/2020 bonus but supporting documentation was not found in the loan file.  Additionally, loan was qualified with 2023 YTD average of $1,305.29 but the worksheet reflects bonus income of $8,556.00 for 2022 and $8,992.00 for 2021 (prior year average of $713.00 and two-year average of $731.17),  Provide lender justification for using higher bonus.  Additional conditions may apply. - Due Diligence Vendor-11/06/2023

Resolved-Documentation of bonus income provided for prior 2 years. Condition cleared. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981938

Closed

2023-11-06 13:02

2023-11-13 21:58

Cured

2 - Non-Material

Compliance

TRID

Information required for CD 'Loan Disclosures' Escrow Account section not completed or completed in error

Cured-Lender provided the Letter of Explanation and Proof of Delivery to the borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2023 Ready for Review-Finding invalid, loan is a construction loan and no escrow payments are made during the 12 months construction period post consummation. The estimated total amount the consumer will pay directly for the mortgage-related obligations (taxes, insurance, assessments, etc.)… during the first year after consummation that are known to the creditor… [§1026.38(l)(7)(i)(B)(1)] The total amount may be based …on a 12-month period beginning with the borrower’s initial payment date or on a 12-month period beginning with consummation. [Commentary to§1026.38(l)(7)(i)(B)(1) #2]  - Buyer-11/11/2023 Counter-The Estimated Property Costs over Year 1 field is required to be completed under the "No Escrow" table. Provide Letter of Explanation and Re-Disclose Correct Information. Condition maintained. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded. Disagree. The Final CD Page 4 shows escrows being waived because the borrower declined it. - Buyer-11/08/2023 Open-Information required for CD 'Loan Disclosures' Escrow Account section not completed or completed in error Information required for CD 'Loan Disclosures' Escrow Account section not completed - No Escrow table was not completed. - Due Diligence Vendor-11/06/2023

Cured-Lender provided the Letter of Explanation and Proof of Delivery to the borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981938

Closed

2023-11-06 13:00

2023-11-09 16:44

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/06/2023

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981938

Closed

2023-11-03 17:55

2023-11-08 19:19

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981822

Closed

2023-11-03 19:52

2023-11-10 21:28

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Hazard Insurance Policy Partially Provided Loan file is missing a copy of the Hazard Insurance Declarations page disclosing the coverage amount.  Additional conditions may apply. - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981822

Closed

2023-11-03 20:09

2023-11-07 19:40

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided evidence of appraisal delivery. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-11/03/2023

Resolved-Lender provided evidence of appraisal delivery. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981946

Closed

2023-11-06 07:00

2023-11-09 15:31

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Lender provided evidence of PAR. Condition cleared. - Due Diligence Vendor-11/09/2023 Resolved-Resolved - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded. Invalid. See attached Mavent and Par Pricing Rate Sheet - Buyer-11/08/2023 Open-The loan fees ($4,610.00) exceed the (QM) (Note Amount >=$74,599.00 and <$124,331.00) fee limit, which is  ($3,730.00), the difference is ($880.00). (12 CFR 1026.43(e)(3)). - Due Diligence Vendor-11/06/2023

Resolved-Lender provided evidence of PAR. Condition cleared. - Due Diligence Vendor-11/09/2023  Resolved-Resolved - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf

AR

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982009

Buyer

2023-11-03 20:23

2023-11-27 21:33

Unable to Resolve

3 - Material

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-This loan was added in error. OTHL will be unable to clear this finding - Buyer-11/19/2023 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-11/03/2023

CA

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982009

Closed

2023-11-06 14:04

2023-11-27 21:59

Acknowledged

2 - Non-Material

Credit

Eligibility

Loan amount exceeds the guideline maximum

Acknowledged-This finding is deemed non-material and loan to be excluded from population. - Due Diligence Vendor-11/22/2023 Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-This loan was added in error. OTHL will be unable to clear this finding - Buyer-11/19/2023 Open-Lender guidelines allow a maximum loan amount $1,089,300, per the loan approval and Note, the subject loan amount is $1,500,000. - Due Diligence Vendor-11/06/2023

Acknowledged-This finding is deemed non-material and loan to be excluded from population. - Due Diligence Vendor-11/22/2023

Verified Assets totaling $981,289.38.  Qualifying FICO of 791. LTV/CLTV of 57.69%.

CA

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981498

Closed

2023-11-04 14:02

2023-11-08 20:24

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received required student loan documentation, condition resolved. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing evidence supporting student loan payment reflected on the final 1003.  Additional conditions may apply.   - Due Diligence Vendor-11/04/2023

Resolved-Received required student loan documentation, condition resolved. - Due Diligence Vendor-11/08/2023

XX.pdf

GA

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981779

Closed

2023-11-22 21:11

2023-11-22 21:11

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

ID

Investment

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981779

Closed

2023-11-03 15:20

2023-11-22 21:11

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/22/2023 Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-11/03/2023

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/22/2023  Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/08/2023

XX.pdf

ID

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981779

Closed

2023-11-03 15:20

2023-11-22 21:11

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

ID

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981779

Closed

2023-11-03 16:49

2023-11-08 23:39

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/08/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements ATR Risk -Current Assets must be utilized to meet ATR requirements, missing from file. - Due Diligence Vendor-11/03/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/08/2023

ID

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981779

Closed

2023-11-03 15:44

2023-11-08 23:38

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-Asset Record 1 Does Not Meet G/L Requirements. The bank statements provided are not in the name of the borrower, and authorization for access to the account is missing.  - Due Diligence Vendor-11/03/2023

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-11/08/2023

XX.pdf

ID

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981329

Closed

2023-11-06 15:17

2023-11-24 15:16

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing secondary valuation  - Due Diligence Vendor-11/06/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981329

Closed

2023-11-21 21:06

2023-11-21 21:06

Acknowledged

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A.  AVM dated 10/4/2023 is greater than -10% variance.  CDA supports value. - Due Diligence Vendor-11/21/2023

Acknowledged-S&P RA Only - CU/LCA Score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A.  AVM dated 10/4/2023 is greater than -10% variance.  CDA supports value. - Due Diligence Vendor-11/21/2023

TX

Primary Residence

Purchase

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982025

Closed

2023-11-03 15:51

2023-11-04 16:34

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.    - Due Diligence Vendor-11/04/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.    - Due Diligence Vendor-11/04/2023

NC

Primary Residence

Purchase

NA

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982150

Closed

2023-11-03 17:32

2023-11-13 22:04

Resolved

1 - Information

Compliance

State Reg

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender

Resolved-Fully executed disclosure provided. Condition cleared. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by the Lender - Due Diligence Vendor-11/03/2023

Resolved-Fully executed disclosure provided. Condition cleared. - Due Diligence Vendor-11/13/2023

XX.pdf

TX

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982150

Closed

2023-11-03 17:32

2023-11-10 15:56

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded. Apologies, see attached - Buyer-11/10/2023 Counter-Evidence of e-consent provided was not for borrower or subject loan. Condition remains. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower. - Due Diligence Vendor-11/03/2023

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf

TX

Primary Residence

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981568

Closed

2023-11-03 15:06

2023-11-09 21:04

Resolved

1 - Information

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Evidence of undiscounted rate provided. Points and fees re-tested and within fee limit. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The loan fees ($8,935.00) exceed the (QM) (Note Amount >=$124,331.00) fee limit, which is 3% of the Total Loan Amount ($7,328.31), the difference is ($1,606.69). (12 CFR 1026.43(e)(3). $8,935 > $7,329.66 the maximum points and fees allowed under QM, by $1,605.34. Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-11/04/2023

Resolved-Evidence of undiscounted rate provided. Points and fees re-tested and within fee limit. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf

SC

Investment

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981778

Closed

2023-11-03 14:39

2023-11-08 18:55

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Evidence of YTD plus prior 2 years bonus income provided. DTI recalculated to include bonus income and no violation. Condition cleared. - Due Diligence Vendor-11/08/2023 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-11/03/2023

Resolved-Evidence of YTD plus prior 2 years bonus income provided. DTI recalculated to include bonus income and no violation. Condition cleared. - Due Diligence Vendor-11/08/2023

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981778

Closed

2023-11-03 14:39

2023-11-08 18:53

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 29.61% is less than or equal to AUS DTI of 33.07%. Evidence of YTD plus prior 2 years bonus income provided. DTI recalculated to include bonus income and no violation. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Audited DTI of 39.68% exceeds AUS DTI of 30.07% Lender used bonus income for B2, this was not reflected on the income documents provided.  - Due Diligence Vendor-11/03/2023

Resolved-Audited DTI of 29.61% is less than or equal to AUS DTI of 33.07%. Evidence of YTD plus prior 2 years bonus income provided. DTI recalculated to include bonus income and no violation. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981778

Closed

2023-11-03 14:35

2023-11-08 18:52

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-11/03/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/08/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981778

Closed

2023-11-03 13:07

2023-11-08 18:50

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Income and Employment Do Not Meet Guidelines No evidence of bonus income - Due Diligence Vendor-11/03/2023

Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/08/2023

XX.pdf

TX

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981270

Closed

2023-11-03 15:15

2023-11-08 22:45

Resolved

1 - Information

Credit

Missing Doc

Missing purchase contract - addendums

Resolved-Addendum to contract provided reflecting final sales price. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-All addendums to the purchase contract were not provided Fully Executed contract addendum reflecting sales price of $267,000 not provided in file.  - Due Diligence Vendor-11/03/2023

Resolved-Addendum to contract provided reflecting final sales price. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

OK

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981270

Closed

2023-11-03 15:37

2023-11-08 21:06

Resolved

1 - Information

Credit

Missing Doc

Missing asset documentation - liquid assets

Resolved-Asset statements received; condition resolved. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Lender's guidelines require 2 months' bank statements, investor portfolio statements, 401K or other retirement account statements.  There are insufficient asset statements in file.  - Due Diligence Vendor-11/03/2023

Resolved-Asset statements received; condition resolved. - Due Diligence Vendor-11/08/2023

XX.pdf

OK

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981270

Closed

2023-11-03 15:46

2023-11-08 21:05

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/08/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender's guidelines require 2 months' bank statements, investor portfolio statements, 401K or other retirement account statements.  There are insufficient asset statements in file.  - Due Diligence Vendor-11/03/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/08/2023

OK

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982160

Closed

2023-11-03 16:08

2023-11-23 23:48

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/23/2023 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.   - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/23/2023  Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982160

Closed

2023-11-03 15:08

2023-11-10 19:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Lender acknowledges finding. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023 Ready for Review-OTHL Acknowledges this finding - Buyer-11/10/2023 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/03/2023

Acknowledged-Lender acknowledges finding. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2023

SC

Primary Residence

Purchase

NA

Originator Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982160

Closed

2023-11-03 16:36

2023-11-07 19:47

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-Lender provided evidence of appraisal delivery. Condition cleared. - Due Diligence Vendor-11/07/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-11/03/2023

Resolved-Lender provided evidence of appraisal delivery. Condition cleared. - Due Diligence Vendor-11/07/2023

XX.pdf

SC

Primary Residence

Purchase

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981486

Closed

2023-11-06 12:35

2023-11-09 18:36

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) Missing the Borrower's Consent to Receive Communications Electronically. Provide E Consent disclosure for both borrowers.   - Due Diligence Vendor-11/06/2023

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981486

Closed

2023-11-06 14:56

2023-11-08 20:17

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023  Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981486

Closed

2023-11-06 14:13

2023-11-08 20:15

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982156

Closed

2023-11-03 19:39

2023-11-10 22:04

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982156

Closed

2023-11-06 18:20

2023-11-10 22:04

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/10/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982156

Closed

2023-11-06 16:42

2023-11-09 20:59

Resolved

1 - Information

Compliance

Missing Doc

Loan Estimate disclosure is missing or incomplete

Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-Loan Estimate disclosure is missing or incomplete Initial Loan Estimate disclosure document is missing in the loan file. Additional conditions may apply.  - Due Diligence Vendor-11/06/2023

Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982090

Closed

2023-11-06 22:03

2023-11-09 14:15

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982090

Closed

2023-11-03 16:00

2023-11-09 14:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/09/2023 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2). VVOE dated within 10 days of closing provided. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Borrower 2 3rd Party VOE Prior to Close Missing Per DU, the Verbal VOE must be no more than 10 business days prior to the Note date; however, the VVOE for the co-borrower was not dated. - Due Diligence Vendor-11/03/2023

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/09/2023  Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2). VVOE dated within 10 days of closing provided. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982090

Closed

2023-11-03 16:00

2023-11-09 14:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 W2/1099 Missing

Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Borrower 2 W2/1099 Missing The loan file is missing the prior year W-2 for the co-borrower as required by DU. - Due Diligence Vendor-11/03/2023

Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982090

Closed

2023-11-03 22:23

2023-11-09 14:12

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrowers  - Due Diligence Vendor-11/03/2023

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982090

Closed

2023-11-03 17:15

2023-11-08 17:21

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981809

Closed

2023-11-22 00:26

2023-11-22 00:26

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

SC

Primary Residence

Construction-Perm

Rate and Term

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981809

Closed

2023-11-03 22:52

2023-11-22 00:25

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981809

Closed

2023-11-08 20:47

2023-11-09 14:07

Resolved

1 - Information

Credit

Closing

Simultaneous Lien Note status is missing

Resolved-Second lien note provided. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Simultaneous Lien Note status is missing - Due Diligence Vendor-11/08/2023

Resolved-Second lien note provided. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981809

Closed

2023-11-03 23:29

2023-11-09 14:06

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Simultaneous Loan Payment does not meet requirements

Resolved- - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-ATR Risk - Simultaneous Loan Payment does not meet requirements - Due Diligence Vendor-11/03/2023

Resolved- - Due Diligence Vendor-11/09/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981809

Closed

2023-11-03 23:03

2023-11-08 20:38

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981360

Closed

2023-11-14 22:16

2023-11-14 22:16

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981360

Closed

2023-11-03 19:13

2023-11-14 22:15

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/14/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/14/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981360

Closed

2023-11-03 19:40

2023-11-13 12:06

Resolved

1 - Information

Credit

Missing Doc

AUS Not Provided

Resolved-Lender provided an updated AUS for requalified loan. Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/13/2023 Resolved-AUS is fully present - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing AUS Missing updated AUS for requalified loan. - Due Diligence Vendor-11/03/2023

Resolved-Lender provided an updated AUS for requalified loan. Documentation submitted is deemed acceptable, condition cleared. - Due Diligence Vendor-11/13/2023  Resolved-AUS is fully present - Due Diligence Vendor-11/13/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981360

Closed

2023-11-03 21:26

2023-11-09 21:22

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided valid COC for increase in discount points. Condition cleared. - Due Diligence Vendor-11/09/2023 Resolved-Revised CD and valid COC provided to support fee increase. Compliance retested and passed. No tolerance cure required. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated 09/XX/2022, reflects a Points – Loan Discount Fee of $4,004. Final CD dated 10/XX/2022 reflects a Points – Loan Discount Fee of $9,850.33. The Closing Disclosure reflecting the increase, dated 10/21/2022, was not dated within 3 days of the valid COC, Interest Rate Dependent Charges, which occurred on 10/XX/2022. No evidence of a tolerance cure was provided in file. A tolerance cure of $5,846.33 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/03/2023

Resolved-Lender provided valid COC for increase in discount points. Condition cleared. - Due Diligence Vendor-11/09/2023  Resolved-Revised CD and valid COC provided to support fee increase. Compliance retested and passed. No tolerance cure required. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981360

Closed

2023-11-03 21:26

2023-11-09 21:22

Resolved

1 - Information

Compliance

Mavent

Fees: Limited

Resolved-Lender provided valid COC for increase in discount points. Condition cleared. - Due Diligence Vendor-11/09/2023 Resolved-Revised CD and valid COC provided to support fee increase. Compliance retested and passed. No tolerance cure required. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 09/21/2022, reflects a Points – Loan Discount Fee of $4,004. Final CD dated 10/21/2022 reflects a Points – Loan Discount Fee of $9,850.33. The Closing Disclosure reflecting the increase, dated 10/21/2022, was not dated within 3 days of the valid COC, Interest Rate Dependent Charges, which occurred on 10/14/2022. No evidence of a tolerance cure was provided in file. A tolerance cure of $5,846.33 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/03/2023

Resolved-Lender provided valid COC for increase in discount points. Condition cleared. - Due Diligence Vendor-11/09/2023  Resolved-Revised CD and valid COC provided to support fee increase. Compliance retested and passed. No tolerance cure required. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981362

Closed

2023-11-22 21:07

2023-11-22 21:07

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/22/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981362

Closed

2023-11-04 08:34

2023-11-22 21:06

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-11/04/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981362

Closed

2023-11-04 09:08

2023-11-08 20:52

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/04/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981670

Closed

2023-11-22 00:35

2023-11-22 00:35

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981670

Closed

2023-11-06 13:05

2023-11-22 00:34

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA received.  CDA within -10% Variance.  Condition Resolved. - Due Diligence Vendor-11/22/2023 Counter-Comp cert provided, but finding is cited for missing secondary valuation product to meet rating agency requirements. Will be reviewed and updated upon receipt. Condition remains. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/06/2023

Resolved-CDA received.  CDA within -10% Variance.  Condition Resolved. - Due Diligence Vendor-11/22/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981670

Closed

2023-11-06 13:05

2023-11-22 00:33

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-11/06/2023

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-11/10/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981670

Closed

2023-11-06 14:54

2023-11-08 20:34

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981670

Closed

2023-11-06 13:24

2023-11-08 20:33

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981295

Closed

2023-11-03 22:03

2023-11-09 19:41

Resolved

1 - Information

Credit

Closing

Missing AUS results

Resolved-Updated DU provided per requalification requirements. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing AUS results. Missing updated AUS for requalified loan. - Due Diligence Vendor-11/03/2023

Resolved-Updated DU provided per requalification requirements. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981295

Closed

2023-11-03 21:48

2023-11-08 20:59

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/03/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981295

Closed

2023-11-03 22:05

2023-11-08 19:36

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrower  - Due Diligence Vendor-11/03/2023

Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981957

Closed

2023-11-06 15:38

2023-11-21 21:29

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/06/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981957

Closed

2023-11-06 18:36

2023-11-13 14:59

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Updated AUS provided; condition resolved. - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DIT and FICO. The loan file is missing the Requalification AUS.  - Due Diligence Vendor-11/06/2023

Resolved-Updated AUS provided; condition resolved. - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981957

Closed

2023-11-06 18:21

2023-11-13 14:58

Resolved

1 - Information

Credit

Eligibility

Audited FICO is less than AUS FICO

Resolved-Audited FICO of 764 is equal to or greater than AUS FICO of 764 - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Audited FICO of 764 is less than AUS FICO of 775 - Due Diligence Vendor-11/06/2023

Resolved-Audited FICO of 764 is equal to or greater than AUS FICO of 764 - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981957

Closed

2023-11-06 18:21

2023-11-13 14:58

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds AUS DTI

Resolved-Audited DTI of 40.84% is less than or equal to AUS DTI of 44% - Due Diligence Vendor-11/13/2023 Open-Audited DTI of 51.27% exceeds AUS DTI of 44% - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Audited DTI of 51.25% exceeds AUS DTI of 45% - Due Diligence Vendor-11/06/2023

Resolved-Audited DTI of 40.84% is less than or equal to AUS DTI of 44% - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981957

Closed

2023-11-06 17:26

2023-11-13 14:57

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/13/2023 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-ATR Risk - Credit History taken into consideration does not meet requirements Requalification credit report in file, reflects qualifying score of 764. Origination credit report reflects qualifying score of 775. - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/13/2023  Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/13/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981957

Closed

2023-11-06 17:26

2023-11-13 14:57

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/13/2023 Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  Borrower was qualified using income of $7,500 per month. Post-closing reverification paystubs in file indicated Borrower was working for a new employer and earning $6,500 per month.  - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/13/2023  Resolved-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration meets requirements  - Due Diligence Vendor-11/13/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981957

Closed

2023-11-06 15:55

2023-11-08 18:26

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Open- - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981957

Seller

2023-11-21 21:33

2023-11-21 21:33

Open

1 - Information

Property

Value

S&P CU/LCA score and secondary product not within tolerance

Open-S&P RA Only - CU/LCA Score and secondary product not within tolerance.  This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981957

Seller

2023-11-21 21:29

2023-11-21 21:29

Open

3 - Material

Property

Value

Missing Post Close Valuation - 2

Open-A valid secondary valuation supporting the origination appraisal value is not present. CDA received.  CDA is greater than -10% variance.  Post Close Valuation -2 Required. - Due Diligence Vendor-11/21/2023

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982164

Closed

2023-11-06 17:05

2023-11-13 12:38

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Lender provided the Hazard Insurance Declaration page with sufficient dwelling coverage. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/13/2023 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Counter-Evidence of insurance provided is for loan XXX. Condition remains. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing Hazard Insurance Policy Missing hazard insurance for subject property.  - Due Diligence Vendor-11/06/2023

Resolved-Lender provided the Hazard Insurance Declaration page with sufficient dwelling coverage. Documentation submitted is deemed acceptable. Condition cleared.  - Due Diligence Vendor-11/13/2023  Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/13/2023

XX.pdf

PA

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981771

Seller

2023-11-03 16:40

2023-11-03 16:40

Open

3 - Material

Property

Value

Missing Post Close Valuation - 1

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

HI

Investment

Refinance

Cash Out - Other

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Buyer

2023-11-03 15:20

2023-11-21 14:38

Unable to Resolve

3 - Material

Compliance

HigherPriced:APR

Federal - Escrow Account Required (First Lien HPML)(06/2013)

Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve - Buyer-11/21/2023 Open-You submitted no impound amounts for property taxes on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation, if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b))  No escrows. Lender Mavent also failed Higher priced. - Due Diligence Vendor-11/03/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Buyer

2023-11-03 15:20

2023-11-21 14:38

Unable to Resolve

3 - Material

Compliance

HigherPriced:APR

Federal - Escrow Account Required (First Lien HPML)(06/2013)

Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/21/2023 Ready for Review-OTHL acknowledges this finding and will be unable to resolve - Buyer-11/21/2023 Open-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation, if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b))  No escrows. Lender Mavent also failed Higher Priced. - Due Diligence Vendor-11/03/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Closed

2023-11-06 19:21

2023-11-22 00:04

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open- - Due Diligence Vendor-11/09/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing secondary valuation. CU in file has incorrect property address.   - Due Diligence Vendor-11/06/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Closed

2023-11-03 13:28

2023-11-14 20:56

Resolved

1 - Information

Credit

Missing Doc

The Note is Incomplete

Resolved-The Note is Present - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded.  - Buyer-11/14/2023 Counter-Evidence provided that address reflected on DOT and address reflected on appraisal are same property for new construction. However, copy of Note provided is still missing page 2. Condition remains. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded. Final CD, Appraisal, and Title documentation all reflect identical confirmed address. As a form of additional supporting documentation, XXX has provided an amended Schedule C - Legal Description reflecting the subject property address "Also Know as XXX". Additionally, subject property information also included in the Schedule C - Legal Description is in reference to the subdivision the subject property is within and is not the physical subject property address. - Buyer-11/14/2023 Counter-Page 2 of Note not provided.  Additionally, appraisal provided reviewed.  Street address of Appraisal does not match closing documents or title report. Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Corrected Note with correct street address required. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-The Note is Incomplete Missing page 2 of the Note - Due Diligence Vendor-11/03/2023

Resolved-The Note is Present - Due Diligence Vendor-11/14/2023

XX.pdf XX.pdf XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Closed

2023-11-10 20:25

2023-11-14 13:25

Resolved

1 - Information

Compliance

TRID

Final CD: Property address is missing or inaccurate

Resolved-Evidence provided that address reflected on Final CD and address reflected on appraisal are same property for new construction. Condition cleared. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded. Final CD, Appraisal, and Title documentation all reflect identical confirmed address. As a form of additional supporting documentation, XXX has provided an amended Schedule C - Legal Description reflecting the subject property address "Also Know as XXX". Additionally, subject property information also included in the Schedule C - Legal Description is in reference to the subdivision the subject property is within and is not the physical subject property address. - Buyer-11/14/2023 Open-Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Corrected CD with correct street address required. - Due Diligence Vendor-11/10/2023

Resolved-Evidence provided that address reflected on Final CD and address reflected on appraisal are same property for new construction. Condition cleared. - Due Diligence Vendor-11/14/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Closed

2023-11-10 20:22

2023-11-14 13:23

Resolved

1 - Information

Credit

Missing Doc

Incomplete Mortgage/Deed of Trust

Resolved-The Deed of Trust is Present and Complete. Evidence provided that address reflected on DOT and address reflected on appraisal are same property for new construction. Condition cleared. - Due Diligence Vendor-11/14/2023 Ready for Review-Document Uploaded. Final CD, Appraisal, and Title documentation all reflect identical confirmed address. As a form of additional supporting documentation, XXX has provided an amended Schedule C - Legal Description reflecting the subject property address "Also Know as XXX". Additionally, subject property information also included in the Schedule C - Legal Description is in reference to the subdivision the subject property is within and is not the physical subject property address. - Buyer-11/14/2023 Open-The Deed of Trust is Incomplete Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Corrected Mortgage/Deed of Trust with correct street address required. - Due Diligence Vendor-11/10/2023

Resolved-The Deed of Trust is Present and Complete. Evidence provided that address reflected on DOT and address reflected on appraisal are same property for new construction. Condition cleared. - Due Diligence Vendor-11/14/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Closed

2023-11-10 20:23

2023-11-14 13:22

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Title Document is Provided And Complete. Evidence provided that address reflected on title commitment and address reflected on appraisal are same property for new construction. Condition cleared. - Due Diligence Vendor-11/14/2023 Ready for Review-Final CD, Appraisal, and Title documentation all reflect identical confirmed address. As a form of additional supporting documentation, XXX has provided an amended Schedule C - Legal Description reflecting the subject property address "Also Know as XXX". Additionally, subject property information also included in the Schedule C - Legal Description is in reference to the subdivision the subject property is within and is not the physical subject property address. - Buyer-11/14/2023 Open-Title Document is Incomplete Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Corrected title report with correct address required. - Due Diligence Vendor-11/10/2023

Resolved-Title Document is Provided And Complete. Evidence provided that address reflected on title commitment and address reflected on appraisal are same property for new construction. Condition cleared. - Due Diligence Vendor-11/14/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Closed

2023-11-03 14:45

2023-11-10 20:17

Resolved

1 - Information

Credit

Insurance

Subject Property Address on Note does not match Insured Property Address

Resolved-Evidence of insurance and appraisal provided reviewed.  Street address of Evidence of Insurance and Appraisal do not match closing documents or title report. Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Finding for hazard insurance cleared, but corrected Note, Mortgage, PCCD and title report required. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded. Invalid - Subject property address on both the HOI Dec Page and Lender Note reflect XXX. Borrower current address at time of closing is XXX as well is reflected on the HOI Dec Page.  - Buyer-11/09/2023 Open-Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-11/03/2023

Resolved-Evidence of insurance and appraisal provided reviewed.  Street address of Evidence of Insurance and Appraisal do not match closing documents or title report. Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Finding for hazard insurance cleared, but corrected Note, Mortgage, PCCD and title report required. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Closed

2023-11-03 15:09

2023-11-10 20:15

Resolved

1 - Information

Property

Missing Doc

Incomplete Appraisal (Property)

Resolved-Appraisal provided reviewed.  Street address of Appraisal does not match closing documents or title report. Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Finding for appraisal cleared, but corrected Note, Mortgage, PCCD and title report required. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-All pages of appraisal were not provided. The appraisal provided in file has incorrect address. - Due Diligence Vendor-11/03/2023

Resolved-Appraisal provided reviewed.  Street address of Appraisal does not match closing documents or title report. Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Finding for appraisal cleared, but corrected Note, Mortgage, PCCD and title report required. - Due Diligence Vendor-11/10/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Closed

2023-11-03 15:12

2023-11-10 20:14

Resolved

1 - Information

Credit

Missing Doc

Missing Satisfactory Completion Cert

Resolved-Appraisal provided reviewed.  Street address of Appraisal does not match closing documents or title report. Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Finding for appraisal cleared, but corrected Note, Mortgage, PCCD and title report required. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Satisfactory Completion Cert not provided The Completion Cert provided in file has incorrect address. - Due Diligence Vendor-11/03/2023

Resolved-Appraisal provided reviewed.  Street address of Appraisal does not match closing documents or title report. Legal documentation in file from county indicate closing documents and title report indicate incorrect street name.  Finding for appraisal cleared, but corrected Note, Mortgage, PCCD and title report required. - Due Diligence Vendor-11/10/2023

XX.pdf XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981816

Closed

2023-11-03 15:04

2023-11-09 17:04

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) Missing E-Consent for both borrowers.  - Due Diligence Vendor-11/03/2023

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982212

Buyer

2023-11-06 14:01

2023-11-20 23:14

Unable to Resolve

3 - Material

Compliance

HigherPriced:APR

Federal - Escrow Account Required (First Lien HPML)(06/2013)

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/20/2023 Ready for Review-OTHL acknowledges that we are unable to resolve this finding - Buyer-11/20/2023 Counter-. - Due Diligence Vendor-11/09/2023 Open-. - Due Diligence Vendor-11/09/2023 Ready for Review-Disregard previous comment. - Buyer-11/09/2023 Ready for Review-Per 1026.35(b)(2)(i), a transaction to finance the construction of the initial dwelling is exempt from requiring an escrow account. Additionally, per 1026.35(b)(3)(ii), the escrow account may be terminated if the unpaid principal balance results in an LTV that is less than 80% LTV. Because the LTV on this transaction was less than 80% at time of conversion, no escrow account is needed. - Buyer-11/09/2023 Open-You submitted no impound amounts for property taxes on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation, if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b))  No escrows. Lender Mavent also failed higher priced. - Due Diligence Vendor-11/06/2023

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982212

Buyer

2023-11-06 14:01

2023-11-20 23:14

Unable to Resolve

3 - Material

Compliance

HigherPriced:APR

Federal - Escrow Account Required (First Lien HPML)(06/2013)

Unable to Resolve-Client acknowledged - Due Diligence Vendor-11/20/2023 Ready for Review-OTHL acknowledges that we are unable to resolve this finding - Buyer-11/20/2023 Counter-. - Due Diligence Vendor-11/09/2023 Open-. - Due Diligence Vendor-11/09/2023 Ready for Review-Disregard previous comment. - Buyer-11/09/2023 Ready for Review-Per 1026.35(b)(2)(i), a transaction to finance the construction of the initial dwelling is exempt from requiring an escrow account. Additionally, per 1026.35(b)(3)(ii), the escrow account may be terminated if the unpaid principal balance results in an LTV that is less than 80% LTV. Because the LTV on this transaction was less than 80% at time of conversion, no escrow account is needed.  - Buyer-11/09/2023 Open-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation, if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b))  No escrows. Lender Mavent also failed higher priced. - Due Diligence Vendor-11/06/2023

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982212

Closed

2023-11-21 21:24

2023-11-21 21:24

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2023

SC

Primary Residence

Construction-Perm

NA

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72982212

Closed

2023-11-03 18:39

2023-11-21 21:23

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/03/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/21/2023

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982212

Closed

2023-11-06 14:01

2023-11-15 14:24

Resolved

1 - Information

Compliance

AbilityToRepay:PriceBased

Federal - General Qualified Mortgage Price-Based Limit (First Lien)

Resolved-Lender provided PCCD with corrected APR, LOE and proof of delivery. Condition cleared. - Due Diligence Vendor-11/15/2023 Ready for Review-Document Uploaded.  - Buyer-11/10/2023 Counter-Lender provided PCCD with corrected APR as the consummation CD erroneously included the seller-paid fees in the calculation. Please provide an LOE and evidence it was provided to the borrower. Condition maintained. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded. Attached PCCD removing non borrower fees from APR calculation resulting in APR of 7.956%. Pease provide calculation leading to 7.943% calculation.  - Buyer-11/09/2023 Open-The loan's (8.37%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.34%), which is the comparable average prime offer rate of (6.09%) plus 2.25. The System used the following date to perform the APOR index lookup (2023-02-01). The system added 2.25 to the comparable APOR because the ($408,578.00) note amount equals or exceeds ($124,331.00). The system used an interest rate of (7.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A))  The disclosed APR is 8.37% causing the fail; however, the calculated APR is 7.943%. The lender-paid fees in Sec A should not be included in the APR calculation. Provide Letter of Explanation and Re-Disclose Correct Information - Due Diligence Vendor-11/06/2023

Resolved-Lender provided PCCD with corrected APR, LOE and proof of delivery. Condition cleared. - Due Diligence Vendor-11/15/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982212

Closed

2023-11-03 20:04

2023-11-09 15:45

Resolved

1 - Information

Credit

Closing

Invalid AUS

Resolved-Updated DU based on updated credit report provided. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing AUS based on credit requalification. - Due Diligence Vendor-11/03/2023

Resolved-Updated DU based on updated credit report provided. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982212

Closed

2023-11-03 20:02

2023-11-09 15:35

Resolved

1 - Information

Credit

Eligibility

Audited FICO is less than AUS FICO

Resolved-Audited FICO of 643 is equal to or greater than AUS FICO of 643 - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Audited FICO of 643 is less than AUS FICO of 646 FICO based on post closing credit report dated 10/13/2023. Missing updated AUS based on credit requalification with updated scores - Due Diligence Vendor-11/03/2023

Resolved-Audited FICO of 643 is equal to or greater than AUS FICO of 643 - Due Diligence Vendor-11/09/2023

XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982212

Closed

2023-11-03 19:01

2023-11-09 15:31

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/09/2023 Open-Document Uploaded.  - Due Diligence Vendor-11/09/2023 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Hazard insurance was not documented in file.  - Due Diligence Vendor-11/03/2023

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982212

Closed

2023-11-03 18:44

2023-11-09 15:30

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Document Uploaded.  - Due Diligence Vendor-11/09/2023 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/09/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-Document Uploaded.  - Due Diligence Vendor-11/09/2023  Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981786

Closed

2023-11-22 01:01

2023-11-22 01:01

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981786

Closed

2023-11-04 02:11

2023-11-22 01:00

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/04/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981786

Closed

2023-11-04 02:26

2023-11-13 22:00

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/13/2023 Counter-Lender provided the Hazard Insurance (HOI) declaration page, as well as the Builder’s Risk declaration page. However, the HOI has the incorrect “residence premises” address number of ‘XXX’ instead of ‘XXX’, provide the HOI for subject property. Documentation submitted is deemed unacceptable. Condition remains.      - Due Diligence Vendor-11/13/2023 Ready for Review-Document Uploaded.  - Buyer-11/11/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/04/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/13/2023

XX.pdf XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981786

Closed

2023-11-04 01:31

2023-11-08 23:41

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-11/08/2023 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete.  This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/06/2023

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/08/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981786

Closed

2023-11-04 03:05

2023-11-08 21:38

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of e-consent provided. Condition cleared. - Due Diligence Vendor-11/08/2023 Open-Document Uploaded.  - Due Diligence Vendor-11/08/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/04/2023

Resolved-Evidence of e-consent provided. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

SC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982020

Closed

2023-11-06 20:08

2023-11-16 14:19

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Statement provided. Condition cleared. - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Open-Missing verification of payment amount for installment loan - line item #3 on updated credit report dated 04/26/2023 by either a credit supplement of documentation of the loan's terms and conditions.  - Due Diligence Vendor-11/06/2023

Resolved-Statement provided. Condition cleared. - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982020

Closed

2023-11-06 20:11

2023-11-16 14:18

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/16/2023 Ready for Review-Document Uploaded.  - Buyer-11/16/2023 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing verification of payment amount for installment loan - line item #3 on updated credit report dated 04/26/2023 by either a credit supplement of documentation of the loan's terms and conditions.  - Due Diligence Vendor-11/06/2023

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/16/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982020

Closed

2023-11-06 18:54

2023-11-09 20:59

Resolved

1 - Information

Credit

Closing

Missing AUS results

Resolved-Updated DU provided per requalification requirements. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing AUS results. Missing updated AUS for requalified loan. - Due Diligence Vendor-11/06/2023

Resolved-Updated DU provided per requalification requirements. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

NC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981636

Closed

2023-11-22 00:57

2023-11-22 00:57

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

LA

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981636

Closed

2023-11-06 09:25

2023-11-22 00:56

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/06/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

LA

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981636

Closed

2023-11-06 09:28

2023-11-10 20:55

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023

XX.pdf

LA

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981353

Closed

2023-11-04 04:35

2023-11-09 14:58

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Statements provided to document payments under income driven repayment plan. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Require supporting document to verify income driven repayment plan for student loan payments as required per AUS.  Additional conditions may apply. - Due Diligence Vendor-11/04/2023

Resolved-Statements provided to document payments under income driven repayment plan. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981353

Closed

2023-11-04 04:33

2023-11-09 14:56

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/04/2023

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981336

Closed

2023-11-06 19:11

2023-11-08 16:40

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) E-Consent documentation on TRID loan is missing for borrowers.  - Due Diligence Vendor-11/06/2023

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981336

Closed

2023-11-06 18:36

2023-11-08 16:37

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023 Ready for Review-Document Uploaded.  - Buyer-11/07/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/08/2023

XX.pdf

OH

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981546

Closed

2023-11-06 09:39

2023-11-10 21:06

Resolved

1 - Information

Credit

Missing Doc

AUS Not Provided

Resolved-Approve/Eligible due to loan amount of $700,000. Updated loan limit of $726,200 per Lender Letter (LL-2022-06). Condition cleared. - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded. Finding is invalid. The AUS is Approved/Ineligible due to loan limit which now falls within the 2023 limit of $726,200 and is acceptable.  - Buyer-11/09/2023 Open-Missing AUS. The 1008 in file indicates the loan was Approved DU Approval; however, the AUS in file is Approve/Ineligible.  The loan file is missing the AUS with Approve Eligible Recommendation - Due Diligence Vendor-11/06/2023

Resolved-Approve/Eligible due to loan amount of $700,000. Updated loan limit of $726,200 per Lender Letter (LL-2022-06). Condition cleared. - Due Diligence Vendor-11/10/2023

XX.pdf

KY

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981546

Closed

2023-11-06 08:56

2023-11-10 21:02

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023 Ready for Review-Document Uploaded.  - Buyer-11/09/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/06/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/10/2023

XX.pdf

KY

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981546

Closed

2023-11-06 07:27

2023-11-09 16:32

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023 Ready for Review-Document Uploaded.  - Buyer-11/08/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/06/2023

Resolved-Evidence of E-consent provided. Condition cleared. - Due Diligence Vendor-11/09/2023

XX.pdf

KY

Primary Residence

Construction-Perm

Rate and Term

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981482

Closed

2023-11-22 00:10

2023-11-22 00:10

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/22/2023

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981482

Closed

2023-11-06 10:31

2023-11-22 00:09

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/06/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/22/2023

NC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981873

Buyer

2023-11-06 16:29

2023-11-27 21:32

Unable to Resolve

3 - Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Unable to Resolve- - Due Diligence Vendor-11/27/2023 Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-This loan was added in error. OTHL will be unable to clear this finding. - Buyer-11/19/2023 Open-Audited DTI of 39.29% exceeds Guideline DTI of 36% - Due Diligence Vendor-11/06/2023

CA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981873

Buyer

2023-11-04 15:04

2023-11-27 21:32

Unable to Resolve

3 - Material

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Unable to Resolve- - Due Diligence Vendor-11/27/2023 Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-This loan was added in error. OTHL will be unable to clear this finding. - Buyer-11/19/2023 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-11/04/2023

CA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981873

Closed

2023-11-06 15:11

2023-11-27 21:49

Acknowledged

2 - Non-Material

Credit

Eligibility

Loan amount exceeds the guideline maximum

Acknowledged-This finding is deemed non-material and loan to be excluded from population. - Due Diligence Vendor-11/22/2023 Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-This loan was added in error. OTHL will be unable to clear this finding. - Buyer-11/19/2023 Open-Agency guidelines allow a maximum loan amount of $861.350 based on the location of the subject property. per the loan approval and Note, the subject loan amount is $1,280,000.. - Due Diligence Vendor-11/06/2023

Agency guidelines allow a maximum loan amount of $861.350 based on the location of the subject property. per the loan approval and Note, the subject loan amount is $1,280,000.. - 11/06/2023

Acknowledged-This finding is deemed non-material and loan to be excluded from population. - Due Diligence Vendor-11/22/2023

Verified Assets totaling $270,200.26.  Qualifying FICO of 688. B1 on job for 15 years with 20 years in the industry.  B2 on job for 5.33 years with 20 years in the industry.

CA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981873

Closed

2023-11-04 15:04

2023-11-21 21:14

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-CDA Received.  CDA supports value within 10%.  Condition Resolved. - Due Diligence Vendor-11/21/2023 Unable to Resolve-Client acknowledged. - Due Diligence Vendor-11/20/2023 Ready for Review-This loan was added in error. OTHL will be unable to clear this finding. - Buyer-11/19/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-11/04/2023

Resolved-CDA Received.  CDA supports value within 10%.  Condition Resolved. - Due Diligence Vendor-11/21/2023

CA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981401

Closed

2023-11-17 12:38

2023-11-20 19:24

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/20/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/17/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/20/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981401

Closed

2023-11-17 13:37

2023-11-20 19:20

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/17/2023

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/20/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981401

Seller

2023-11-17 11:52

2023-11-17 22:25

Open

3 - Material

Property

Value

Missing Post Close Valuation - 1

Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-11/17/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981490

Closed

2023-11-27 16:08

2023-11-27 16:08

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/27/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/27/2023

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981490

Closed

2023-11-17 09:06

2023-11-27 16:06

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable. Satisfactory comp cert provided. Condition cleared. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/19/2023 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis as the subject is still in the construction phase. - Due Diligence Vendor-11/17/2023

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable. Satisfactory comp cert provided. Condition cleared. - Due Diligence Vendor-11/20/2023

XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981490

Closed

2023-11-17 09:06

2023-11-27 16:06

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Ready for Review-Document Uploaded.  - Buyer-11/24/2023 Open- - Due Diligence Vendor-11/20/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-11/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023

XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981490

Closed

2023-11-17 09:32

2023-11-20 19:32

Resolved

1 - Information

Compliance

Disclosure

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

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/18/2023 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-11/17/2023

Resolved-Evidence of E-Consent provided. Condition cleared. - Due Diligence Vendor-11/20/2023

XX.pdf

SC

Primary Residence

Construction-Perm

No Cash Out - Borrower Initiated

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981927

Seller

2023-11-17 08:18

2023-11-17 22:25

Open

3 - Material

Property

Value

Missing Post Close Valuation - 1

Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-11/17/2023

OH

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981792

Seller

2023-11-17 10:22

2023-11-17 22:25

Open

3 - Material

Property

Value

Missing Post Close Valuation - 1

Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-11/17/2023

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981235

Closed

2023-11-17 12:48

2023-11-20 22:04

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 WVOE Missing

Resolved-Borrower 1 WVOE Provided. Evidence of 2 year history of bonus income provided. Condition cleared. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded. W2 and 2 years year end paystubs for the borrower attached. This is acceptable per agency guides. - Buyer-11/19/2023 Open-Missing 2-year history to verify bonus income as required by AUS.  - Due Diligence Vendor-11/17/2023

Resolved-Borrower 1 WVOE Provided. Evidence of 2 year history of bonus income provided. Condition cleared. - Due Diligence Vendor-11/20/2023

XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981235

Closed

2023-11-17 15:57

2023-11-20 14:51

Resolved

1 - Information

Compliance

QM-ATR

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

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded. W2 and 2 years year end paystubs for the borrower attached. This is acceptable per agency guides. Source of large deposit to follow. - Buyer-11/19/2023 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing 2-year W2's and/or 2-year WVOE to verify bonus income. Missing verification of unsourced large deposit. - Due Diligence Vendor-11/17/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/20/2023

XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981235

Closed

2023-11-17 16:14

2023-11-20 14:50

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Asset Qualification Meets Guideline Requirements. Source of large deposit provided. Condition cleared. - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/20/2023 Open-Asset Qualification Does Not Meet Guideline Requirements Missing evidence of unsourced large deposit of $15,000.  - Due Diligence Vendor-11/17/2023

Resolved-Asset Qualification Meets Guideline Requirements. Source of large deposit provided. Condition cleared. - Due Diligence Vendor-11/20/2023

XX.pdf XX.pdf

SC

Primary Residence

Construction-Perm

NA

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981312

Closed

2023-11-27 17:51

2023-11-27 17:51

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/27/2023

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/27/2023

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

Investor Post-Close

No

CalCon Mutual Mtg dba OneTrust Home Loans

72981312

Closed

2023-11-17 09:07

2023-11-27 17:50

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023 Ready for Review-Document Uploaded.  - Buyer-11/24/2023 Open-A valid secondary valuation supporting the origination appraisal value is not present.  CU/LCA score > 2.5 and no additional secondary valuation provided. - Due Diligence Vendor-11/17/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/27/2023

XX.pdf

NC

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72982035

Closed

2023-11-16 20:31

2023-11-20 22:53

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/20/2023 Open-Missing Hazard Insurance Policy for subject property - Due Diligence Vendor-11/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/20/2023

XX.pdf

GA

Primary Residence

Construction-Perm

Limited Cash Out - <2% of Loan Amount or $2000

N/A

N/A

CalCon Mutual Mtg dba OneTrust Home Loans

72981875

Closed

2023-11-16 21:14

2023-11-20 22:57

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/20/2023 Ready for Review-Document Uploaded.  - Buyer-11/20/2023 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/16/2023

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/20/2023

XX.pdf

OH

Primary Residence

Construction-Perm

NA

N/A

N/A