Exhibit 99.5 Schedule 1
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| 802410220395 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 12/23/2024 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802410220395 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/19/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 12/23/2024 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802410220395 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 12/23/2024 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222031 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/24/2024 | Resolved | XXX | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Borrower XXX XXX is missing verification of self employment | Document Uploaded. ; no income was used for borrower XXX; Document Uploaded. | 01/02/2025 | Borrower XXX 3rd Party VOE Prior to Close Was Provided or XXX ( equals XXX) ; Received a Sec of State search completed on XX/XX/XXXX. ; Borrower XXX shows to be XXX; and a loss of income is being utilized. We need confirmation the borrower is still XXX; unless confirmation the business is no longer active. ; Received VOE for Bwr XXX and Bwr XXX only. Need a VOE for Bwr XXX. ; Received updated VOE dated XX/XX/XXXX. | 01/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 802411222031 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/24/2024 | Resolved | XXX | Credit | Missing VVOE dated within XXX days consummation | A VVOE must be performed XXX days prior to closing. The loan file is missing VVOE's for the borrower and co-borrower dated XXX days prior to closing. | Document Uploaded. | 12/27/2024 | Received updated VOE dated XX/XX/XXXX for both the Bwr XXX & Bwr XXX. ; Received updated VOE dated XX/XX/XXXX for both the Bwr XXX & Bwr XXX. | 12/30/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 802411222031 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 12/26/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222031 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/24/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 12/26/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222419 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2025 | Resolved | XXX | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified | Document Uploaded. | 01/07/2025 | Updated VOE provided is sufficient. ; Received an updated VOE dated XX/XX/XXXX. ; ATR: Current Employment Not Verified Guidelines require a verification of existence of business within XXX days of closing or after. Please provide a VOE dated XX/XX/XXXX or after. | 01/08/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 802411222419 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222419 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 66052409218683 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A) ) The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required. Initial LE in file date XX/XX/XXXX; Initial XX/XX/XXXX/XXX/XXX which is outside required business days Please provide evidence Borrower received initial LE dated within required XXX day period. LE XXX/XXX per disclosure tracking. | Document Uploaded. Uploaded the initial LE dated XXX/XXX and a screenshot as proof it was sent out on XXX/XXX. | 01/09/2025 | initial LE provided; Exception resolved; initial LE provided; Exception resolved | 01/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 66052409218683 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 66052409218683 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7505899 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2024 | Acknowledged | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide a Verbal verification of employment dated XXX hours prior to funding. Per Expiration of Credit Verbal Verification of Employment | Ok per XXX to let the collection remain unpaid and for the VVOE outside XXX days at funding, comp factors, XXX% LTV, significant reserves after closing, borr at the same job for XXX+ years, subject in C3 condition | 12/05/2024 | Document Uploaded. | 12/05/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | B | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7505899 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2024 | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements An open collection with XXX., dated XXX/XXX with a $XXX balance was not paid at closing. Collections and charge offs may remain unpaid subject to the following: Medical; or XXX years or more since the date of last activity; or when credit report references an original creditor that differs from the current collection agency, the date last active on that original account reflects a date greater than XXX years ago. Provide a Lender exception with XXX compensating factors. Per GLs XXX Collections | Document Uploaded. Ok per XXX to let the collection remain unpaid, comp factors, XXX% LTV, significant reserves after closing, borr at the same job for XXX+ years, subject in C3 condition.. | 11/01/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7505899 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/18/2024 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii) ) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (I) no later than three business days before consummation. Documentation Required- missing proof borrower received Initial Closing Disclosure at least XXX days prior to closing | Initial CD provided with borrower receipt; Exception resolved; Initial CD provided with borrower receipt; Exception resolved; Document Uploaded. | 10/30/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7505899 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/18/2024 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | ; Informational Only | 10/30/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7505899 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/18/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | ; Informational Only | 10/30/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506286 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 11/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506286 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 11/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506286 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 11/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7505726 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final URLA does not have a full XXX year residency history listed. | The Final 1003 is XXX; Document Uploaded. Final URLAs provided and cleared | 12/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7505726 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% Lender to provide XXX compensating factors for lender approval in file. | Exception XXX XXX LTV loan amount >$3M Rate Match XXX% @XXX. Manual pricing required as unable to run pricer to achieve price/lender credit. Ok per XXX for XXX% LTV, comp factors, XXX FICO, full doc, XXX% DTI, significant reserves after closing.; Exception XXX XXX LTV loan amount >$3M Rate Match XXX% @XXX. Manual pricing required as unable to run pricer to achieve price/lender credit. | 12/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7505726 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% Lender to provide XXX compensating factors for lender approval in file. | Exception XXX XXX LTV loan amount >$3M Rate Match XXX% @XXX. Manual pricing required as unable to run pricer to achieve price/lender credit. Ok per XXX for XXX% LTV, comp factors, XXX FICO, full doc, XXX% DTI, significant reserves after closing.; Exception XXX XXX LTV loan amount >$3M Rate Match XXX% @XXX. Manual pricing required as unable to run pricer to achieve price/lender credit. | 12/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7505726 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% Lender to provide XXX compensating factors for lender approval in file. | Exception XXX XXX LTV loan amount >$3M Rate Match XXX% @XXX. Manual pricing required as unable to run pricer to achieve price/lender credit. Ok per XXX for XXX% LTV, comp factors, XXX FICO, full doc, XXX% DTI, significant reserves after closing.; Exception XXX XXX LTV loan amount >$3M Rate Match XXX% @XXX. Manual pricing required as unable to run pricer to achieve price/lender credit. | 12/18/2024 | Document Uploaded. | 12/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7505726 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 12/06/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7505726 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 12/06/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507152 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2024 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue The Title is vested in the eState of XXX, deceased, an undivided one half interest and XXX, an undivided one half interest. Provide proof signor for the eState of XXX is authorized. | Property Title Issue Resolved; Document Uploaded. Title verified sellers, condition cleared | 01/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507152 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2024 | Resolved | XXX | Property | Appraisal incomplete (missing map, layout, pages, etc.) | Appraisal in file only contains the first XXX pages. Lender to provide full appraisal, all pages for review. | Full appraisal received and cleared; Document Uploaded. | 01/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507152 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 12/17/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3506606 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 12/18/2024 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3506606 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 12/18/2024 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3506606 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 12/18/2024 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 7507086 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Acknowledged | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing Verbal Verification of Employment, should have been completed within ten days prior to closing. | Ok per XXX for VVOE completed after funding, comp factors, XXX FICO, XXX% DTI, full doc, subject in C3 condition with very recent updating. | 01/24/2025 | Document Uploaded. | 01/24/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7507086 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 12/24/2024 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507086 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 12/24/2024 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506960 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Credit | XXX DTI Exceeds Guideline DTI | XXX DTI of XXX% exceeds Guideline DTI of XXX% XXX% DTI exceeds the XXX% program maximum. Lender closed the loan with XXX% DTI reflected on Underwriting Loan Approval Worksheet and Conditional Loan Approval. | XXX DTI of XXX% is less than or equal to Guideline DTI of XXX%; ; Document Uploaded. Updated income docs provided for file; Document Uploaded. Final URLA, WVOE, ULAW in file and Income calc worksheet support wage base income of $XXX plus $XXX rental income from subject 2nd unit. Total income $XXX for a DTI of XXX. Lender submitted a new ULAW with higher wage income of $XXX and DTI of XXX%. There are no additional supporting documents for this higher income. Lender to provide Final URLA, WVOE and Income calc worksheet to support higher income. | 02/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506960 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing a full two year employment history as only XXX, continuously, for the past XXX months. Borrower has employment gaps, within past XXX months, that exceed XXX days. The gaps were verified with XXX, WVOE's, and the Letter of Explanation. Lender GL Section XXX - Employment Gaps - was met with the LOE provided by borrower. Continuance of Employment History not met, per Lender GL Section XXX. Ok, per XXX, with that length or employment/gaps; however, missing a minimum of two compensating factors prior to DD Firm acknowledging. | OK per XXX to move forward with borrowers employment history, XXX FICO, XXX% LTV, significant reserves after closing | 01/14/2025 | Document Uploaded. | 01/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506960 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 12/24/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506960 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 12/24/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506282 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2024 | Resolved | XXX | Credit | Borrower residency documentation not provided or issue with documentation | Provide a copy of social security card or fully executed SSA-XXX results. Per GL's XXX Eligible Borrowers | Document Uploaded. ssn verified | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506282 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 12/27/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506282 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2024 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 12/27/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506282 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 12/27/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507489 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Compliance | Condo Rider is Missing | Condo Rider is Missing Provide the Condo Rider | The Condo Rider is XXX; Document Uploaded. lender submitted a contract addendum. The file is missing the condo rider that was recorded with the Note and Deed, as the property is a condo and not a XXX-XXX unit dwelling. It appeared a XXX-XXX unit rider was recorded instead of a condo rider. | 01/31/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | C | A | C | B | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 3507489 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Credit | Borrower residency documentation not provided or issue with documentation | Provide borrower's copy of social security card or fully executed SSA-XXX results. Per XXX Eligible Borrowers | ; Document Uploaded. ssn verified | 01/31/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | C | A | C | B | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 3507489 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company, appraiser, settlement officer, sellers real eState broker, buyers real eState broker, listing agent, buyer agent and underwriter were not checked with the Exclusionary Lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 01/31/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | C | A | C | B | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 3507489 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Acknowledged | XXX | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The subject is a XXX/XXX. There is pending litigation with the XXX. A XXX project that is currently in litigation is not eligible for financing; provide an exception with XXX compensating factors. Per GL's XXX Eligibility Requirements | k per XXX for pending condo litigation, comp factors, XXX FICO, XXX% LTV, XXX% DTI, full doc | 01/31/2025 | Document Uploaded. | 01/31/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | C | A | C | B | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 3507655 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Lender to provide 3rd party product for review. | XXX received and cleared; Third party valuation product provided within tolerance.; Document Uploaded. | 01/31/2025 | C | B | C | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 3507655 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% Per lender rate sheet, If LTV>XXX% Purch, >XXX% Refi, DSCR≥XXX required. | Ok per XXX for XXX DSCR on an FN at XXX% LTV, comp factors, borrowers satisfactory credit depth is over XXX years in XXX, subject is in average/good condition and sold comparables have a low average DOM. | 01/31/2025 | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 3507655 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% Per lender rate sheet, If LTV>XXX% Purch, >XXX% Refi, DSCR≥XXX required. | Ok per XXX for XXX DSCR on an FN at XXX% LTV, comp factors, borrowers satisfactory credit depth is over XXX years in XXX, subject is in average/good condition and sold comparables have a low average DOM. | 01/31/2025 | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 3507655 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% Per lender rate sheet, If LTV>XXX% Purch, >XXX% Refi, DSCR≥XXX required. | Ok per XXX for XXX DSCR on an FN at XXX% LTV, comp factors, borrowers satisfactory credit depth is over XXX years in XXX, subject is in average/good condition and sold comparables have a low average DOM. | 01/31/2025 | Document Uploaded. | 01/31/2025 | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 3507655 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Acknowledged | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. Per lender rate sheet, If LTV>XXX% Purch, >XXX% Refi, DSCR≥XXX required. | Ok per XXX for XXX DSCR on an FN at XXX% LTV, comp factors, borrowers satisfactory credit depth is over XXX years in XXX, subject is in average/good condition and sold comparables have a low average DOM. | 01/31/2025 | Document Uploaded. | 01/31/2025 | C | B | C | B | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 3507655 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/07/2025 | C | B | A | A | C | B | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 7507540 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company, appraiser, and Underwriter were not checked with the Exclusionary Lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties cleared on fraud report | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507540 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/08/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507540 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/08/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507292 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing B2 VVOE completed ten days prior to funding. | Ok per XXX for VVOE completed outside XXX day window, comp factors, XXX FICO, XXX% DTI, B2 on the job XXX years, sold comparables have a low average DOM... | 02/06/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX ( equals XXX) ; Document Uploaded. | 03/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 7507292 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/08/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507292 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/08/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507729 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507729 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507729 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507092 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2025 | Resolved | XXX | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. A pay-history with XXX shows the subject 2nd lien is paid through XXX/XXX. Provide proof the XXX/XXX payment was made. Per GL's XXX Determining Mortgage Rating | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially XXX.; Document Uploaded. proof of payment received | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507092 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company, appraiser, settlement agent, and underwriter were not checked with the Exclusionary lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties cleared | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507092 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507092 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508203 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3508203 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3508203 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 7507846 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Final VOE dated within XXX hours of closing for BR2 is missing from the loan file. | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX ( equals XXX) ; Document Uploaded. | 02/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507846 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Acknowledged | XXX | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. Final reserves are XXX months. Lender and audit used the same asset figures. | Investor provided an updated ULAW. | 02/06/2025 | Received updated ULAW - Approved to match XXX% at $XXX ($XXX LPC). confirmed LC with AE. Ok per XXX for XXX , comp factors, XXX FICO, XXX% DTI..; Document Uploaded. | 02/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7507846 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507846 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507788 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507788 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507788 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3506883 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue The XXX property report shows a $XXX private party loan dated XX/XX/XXXX with XXX. Provide proof the lien was paid in full. | XXX Response: The preliminary title report is the deciding document whether or not a mortgage lien is still open and the prelim only shows a single lien, the one we are paying off through closing | 02/13/2025 | Property Title Issue Resolved; Document Uploaded. all liens on title confirmed as paid off on HUD, condition cleared | 02/13/2025 | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 3506883 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a XXX no ratio DSCR is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for LTV at XXX% and FICO less than XXX for no ratio DSCR, comp factors, no mortgage lates reporting, significant reserves after closing, subject in C3 well maintained condition with very recent updating | 02/13/2025 | Document Uploaded. | 02/13/2025 | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 3506883 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HLTV for a XXX no ratio DSCR is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for LTV at XXX% and FICO less than XXX for no ratio DSCR, comp factors, no mortgage lates reporting, significant reserves after closing, subject in C3 well maintained condition with very recent updating | 02/13/2025 | Document Uploaded. | 02/13/2025 | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 3506883 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a XXX no ratio DSCR is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for LTV at XXX% and FICO less than XXX for no ratio DSCR, comp factors, no mortgage lates reporting, significant reserves after closing, subject in C3 well maintained condition with very recent updating | 02/13/2025 | Document Uploaded. | 02/13/2025 | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||
| 3506883 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/20/2025 | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 3506883 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/20/2025 | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| 3507809 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. A wire from XXX #XXX shows $XXX funds sent to closing. The XXX #XXX Bank Statement account is in a Trust. A purchase of an investment property requires the borrower to contribute a portion of their own sourced and seasoned funds to the transaction, of the larger of XXX% of the purchase price or $XXX. Provide proof the XXX #XXX belongs to the borrower. To show the borrower has made the minimum required contribution. Per GL's XXX Deposit Accounts | Asset Record XXX Meets G/L Requirements; Document Uploaded. BR is a trustee and can use the funds. condition cleared | 02/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507809 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, listing agent, listing agency, escrow officer, and underwriter were not checked with the Exclusionary Lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties verified and cleared | 02/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507809 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507809 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507725 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | Missing evidence required disclosure provided at closing | Missing an executed Certificate of Loans to one Borrower. One provided is blank and there are at least two other active XXX loans (#XXX & #XXX). | ; Document Uploaded. dscisloure completed and cleared; Document Uploaded. Disclosure received does not list all XXX loans the borrower has opened. One provided is blank and there are at least two other active XXX loans (#XXX & #XXX). | 02/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507725 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507725 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508238 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties verified. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties cleared | 02/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508238 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508238 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507728 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements This is a Rate Term XXX. The Settlement Statement shows cash to the borrower $XXX. However, this is a simultaneous closing to pay off a blanket loan with XXX for the subject and XXX W 1st Ave. The Settlement Statement does not reflect payoff to XXX. The borrower may receive incidental cash back up to $XXX or XXX% of the loan amount, whichever is greater, not to exceed $XXX on rate and-term XXX transactions. Provide addendum to show the funds used to payoff XXX. Per GL's XXX Incidental Cash Out on Rate Term XXX | Cash Out Meets Guideline Requirements; Document Uploaded. settlement for XXX #XXX shows funds from this loan received and mtg paid off. condition cleared. | 02/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507728 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. XXX XXX has a mortgage with XXX, which is documented with a copy of the Note, deed of Trust and property report. Provide the hazard Insurance. Per GL's XXX Borrower's Debts and Liabilities | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially XXX.; Document Uploaded. HOI received and cleared | 02/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507728 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide Bank Statement income worksheet used to qualify the borrower. | Income and Employment Meet Guidelines; Document Uploaded. | 02/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507728 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. lender to provide final fraud report with all parties verified | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties cleared | 02/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507728 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507728 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines CPA letter in file verified business as XXX. Final URLA lists BR employment as XXX. Lender to provide verification for BR's SE business with XXX, as the borrower is listed as his own agent under this company on the final HUD. | XXX Response: Uploading corrected XXX employer as borr is a XXX at a larger company | 02/19/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 02/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 7507743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties verified. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties verified | 02/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 7507743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Departing residence is listed as a pending sale on the final URLA. Lender to provide final HUD1 or provide all PITIA documents and include in the DTI. | XXX Response: Uploading corrected XXX showing the TIA is added back for the departure property, XXX showed no lien taken at time of purchase | 02/19/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 02/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 7507743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2025 | Acknowledged | XXX | Property | Appraisal is Expired | Primary Value Appraisal is Expired The appraisal in file is dated XX/XX/XXXX, which is XXX days of the and there is no re-cert in file. Guideline section I. Expiration of Credit/Collateral Documents for the appraisal States if the appraisal date is greater than XXX days at the time of closing, an appraisal re-certification of value is required. | Approved to Match XXX% XXX XXX. Ok per XXX to extend re-cert date to closing, comp factors, XXX FICO, no negative credit reporting, subject in C3 condition.. | 02/19/2025 | Document Uploaded. | 02/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 7507743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 3506717 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. lender to provide final fraud with all parties verified | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties verified and cleared | 02/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506717 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Acknowledged | XXX | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% Borrower did not meet lender's XXX% of own funds requirement for NOO loans. | LTV exception to XXX% and pricing to XXX 3x5 Yrr PP XXX:XXX DSCR min. Ok per XXX for XXX% LTV and ok per XXX to waive minimum contribution on an NOO, comp factors, XXX FICO, no negative credit reporting, positive DSCR. | 02/21/2025 | Document Uploaded. | 02/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506717 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% Lender exception in file for XXX% LTV, lender to provide XXX compensating factors. | LTV exception to XXX% and pricing to XXX 3x5 Yrr PP XXX:XXX DSCR min. Ok per XXX for XXX% LTV and ok per XXX to waive minimum contribution on an NOO, comp factors, XXX FICO, no negative credit reporting, positive DSCR. | 02/21/2025 | Document Uploaded. | 02/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506717 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% Lender exception in file for XXX% LTV, lender to provide XXX compensating factors. | LTV exception to XXX% and pricing to XXX 3x5 Yrr PP XXX:XXX DSCR min. Ok per XXX for XXX% LTV and ok per XXX to waive minimum contribution on an NOO, comp factors, XXX FICO, no negative credit reporting, positive DSCR. | 02/21/2025 | Document Uploaded. | 02/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506717 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% Lender exception in file for XXX% LTV, lender to provide XXX compensating factors. | LTV exception to XXX% and pricing to XXX 3x5 Yrr PP XXX:XXX DSCR min. Ok per XXX for XXX% LTV and ok per XXX to waive minimum contribution on an NOO, comp factors, XXX FICO, no negative credit reporting, positive DSCR. | 02/21/2025 | Document Uploaded. | 02/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506717 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506717 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507513 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507513 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507513 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507513 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX) , XXX XXX(XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507980 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Lender must confirm satisfaction or release of judgement book XXX page XXX dated XXX XXX. Fully executed affidavit to be submitted, (not one in the same) or show proof paid. | Property Title Issue Resolved; Document Uploaded. Email verified judgement is not for the BR | 02/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507980 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide a Fraud report with all parties XXXd with the loan checked with the exclusionary Lists. | Third Party Fraud Report is provided; Document Uploaded. all parties cleared | 02/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507980 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507980 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507980 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Acknowledged | XXX | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. LTV of XXX% requires XXX. A Lender exception is in the file. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | B | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 3507920 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | XXX | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. The subject property is located in a FEMA Disaster area. XXX Wildfires and Straight-line Winds, DR-XXX-XXX. The disaster was declared XX/XX/XXXX. The incident began on XX/XX/XXXX and is continuing. Provide a Post Disaster Inspection report. | Due to the size of XXX XXX, the subject loan had the Post-Disaster Inspection requirement waived. The subject property was not in proximity to the fire or in an evacuation zone. | 02/06/2025 | Evidence provided that subject property was not located in impacted area. Condition cleared.; Document Uploaded. | 02/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 3507920 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507920 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508269 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/30/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508269 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/30/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508269 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/30/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507255 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 is Missing pages XXX-XXX. Provide a Final 1003 that contains all pages. | The Final 1003 is XXX; Document Uploaded. | 02/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507255 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507255 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A | Compliant | 01/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507255 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A | Compliant | 01/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507854 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The Exclusionary List does not reflect that the appraiser, XXX was searched. Provide a complete Exclusionary List that has all parties to this transaction checked. | Client provided attached document in response. | 02/28/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507854 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3507854 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3507854 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2025 | Acknowledged | XXX | Credit | XXX Loan Amount is less than Guideline Minimum Loan Amount | XXX Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX The loan is approved for $XXX. Per Guidelines the minimum loan amount is $XXX. The file contains an exception for $XXX at par in lieu of MN loan amount of $XXX. Compensating factors include low LTV, XXX mos PITIA reserve and high fico of XXX. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | B | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 2401106699 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/25/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 2407123786 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/25/2024 | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Document Uploaded. The loan is in a dry State. Final settlement Statement has been uploaded. | 07/29/2024 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Additional documentation provided; exception resolved. | 07/29/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2407123786 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/25/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2407126111 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/22/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2407126111 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/22/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2407124561 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/30/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 2407124561 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/30/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 2409132573 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2024 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing | Document Uploaded. Hi, it's on pages XXX - XXX of our package. | 11/05/2024 | Homeownership Counseling Disclosure Is XXX or XXX; Homeownership Counseling Disclosure was provided; exception resolved. | 11/08/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2409132573 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to grade A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 11/04/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2409132573 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2409132573 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2410135664 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/08/2024 | Resolved | XXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2410135664 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/08/2024 | Resolved | XXX | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000049869 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000049869 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000049869 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2409130306 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/27/2024 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially XXX. Missing OCMCB mortgage Statements and HOA Statements for the properties at XXX-XXX XXX Ave and XXX XXX St to verify PITIA. If HOA Statement is XXX, a LOE stating there are no HOA dues is required. Note: Per Final 1003, the properties at XXX-XXX XXX Ave and XXX XXX St. were XXXd with OCMBC. | Document Uploaded. | 12/10/2024 | Borrower 1 Credit Report is not partially XXX. | 01/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2409130306 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/27/2024 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing two most recent months rent receipt for the property at XXXfrom the tenants XXX & XXX. Note: only XXX month rent receipt was verified and is dated XX/XX/XXXX from XXX. Please provide evidence of XXX rent receipt from the tenants Stated above. | Document Uploaded. New tenant lease agreement and XXX month of rent. | 01/07/2025 | Income and Employment Meet Guidelines | 01/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2410136199 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2024 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing evidence of XXX/XXX payment for the subject property at XXX xxx. Per credit supplement, the mortgage with SPS #XXX was opened on XXX/XXX, however the months reviewed is only XXX months. The bank Statements in file were used to verify housing history, however only XXX months were verified. Please provide evidence of XXX/XXX payment was made on time. | Document Uploaded. The XXX XXX Statement is showing the XXX XXX mortgage payment was made on XX/XX/XXXX. Please see attached | 01/02/2025 | Housing History Meets Guideline Requirements; Additional documentation provided; exception resolved. | 01/02/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2410136199 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2410136199 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051724 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051724 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051724 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051505 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051505 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051505 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051664 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051664 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051664 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 1040011963 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1040011963 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1040011963 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 1040011963 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000050335 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000050335 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000050335 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000050428 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal - Departing Residence Fee. COC in file does not indicate a valid reason for the addition, it only indicates the fee was added This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. ; Document Uploaded. | 01/23/2025 | Documentation provided shows the lender provided the funds back to the borrower for the additional appraisal document required; Exception resolved; Documentation provided shows the lender provided the funds back to the borrower for the additional appraisal document required; Exception resolved; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i).; The PCCD provided still shows this is paid by the borrower, however based on the email string it appears as though the broker paid the borrower back. If this is a cure then a full package is required. | 01/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 6000050428 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000050428 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051500 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard Insurance, and Hurricane Insurance Policies reflect the subject loan number incorrectly. | Document Uploaded. | 01/16/2025 | Hazard Insurance Policy is fully XXX | 01/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 6000051500 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Acknowledged | XXX | Credit | Missing Closing/Final Verbal VOE | Missing internet search or XXXy assistance doc verifying the existence of the business through a phone listing and/or business address dated within XXX days of the. Internet search in file is not dated. Required per lender guidelines. | Document Uploaded. | 01/16/2025 | Received internet search of business dated XX/XX/XXXX, which is after the loan closed and the and is required to be within XXX days of the. Therefore, exception is being downgraded to a level 2/B as this was required to be completed prior to closing to meet lender guidelines. | 01/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 6000051500 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 6000051500 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 6000051643 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051643 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051643 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 1710001159 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 1710001159 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 1710001159 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 1930025618 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Missing fully executed Certificate of Resident Alien Status Form. Required per lender guidelines. | Document Uploaded. Here you go, Cert of Res Alien Status form completed. Thank you.; Sorry, please send this one back to us, I did not upload the correct doc. ; Document Uploaded. | 01/17/2025 | Documentation provided is sufficient. Exception resolved.; Borrower Identification Document provided. | 01/20/2025 | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 1930025618 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 1930025618 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 2570007564 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2570007564 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2570007564 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051554 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051554 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051554 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2750002988 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA Disaster #XXX-DR Wild-Fires, declared XX/XX/XXXX and ongoing. The Appraisal in the loan file were completed on XX/XX/XXXX and located closed a day after the declared date. Therefore, a post disaster inspection required. | Document Uploaded. | 01/23/2025 | Property Inspection Provided. Inspection took place on XX/XX/XXXX with no apparent damages to the property. Exception Resolved. | 01/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2750002988 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2750002988 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000050727 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report reflects the borrower's primary residence 1st lien mortgage paid to XXX/XXX and 2nd lien HELOC paid to XXX/XXX and loan closed XX/XX/XXXX. Missing a credit supplement confirming borrower has paid the mortgage payments to XX/XX/XXXX, as the most recent XXX months is required. | Document Uploaded. | 01/22/2025 | Housing History Meets Guideline Requirements. Received credit supplement reflected all payments on 1st and 2nd lien were paid on time to XXX/XXX payment. Exception Resolved. | 01/23/2025 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000050727 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 6000050727 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 6000051841 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051841 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051841 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051618 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051618 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051618 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 1010003054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 1010003054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 1010003054 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051628 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051628 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051628 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051636 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051636 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051636 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2800002820 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Credit | Missing Closing/Final Verbal VOE | Missing Verbal Verification of Employment (VVOE) for XXX as only XXX months of employment verification was provided vs XXX months of income being used. Per lender guidelines a VVOE is required supporting the employment information listed on the URLA. VVOE for XXX was the only one provided verifying XXX months. | This is a bank Statement loan. Required per guides: Employment verification: If not XXX - a 3rd party verification of employment is required within ten (XXX) days of the supporting the employment information listed on the URLA. We have met this requirement with the VOE provided. | 01/27/2025 | Explanation provided is sufficient. Exception resolved. | 01/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2800002820 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2800002820 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051562 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Credit | Missing evidence of self employment | Missing proof of current business existence and operations prior to closing for XXX self-employment. Verify the existence of the business within XXX days of the to ensure the business is active with one of the following: a letter from either the business tax professional certifying at least XXX months of self-employment in the same business, or regulatory agency or licensing bureau; along with either a phone listing and/or business address using XXXy assistance or internet search. | Document Uploaded. | 02/07/2025 | Documentation provided is sufficient. Exception resolved. | 02/10/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 6000051562 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051562 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051695 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051695 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051695 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051428 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051428 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051428 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051778 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051778 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051778 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2830002613 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2830002613 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2830002613 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2830002620 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Borrower has additional loans in process, same lender, same address. Loan number: XXX. No evidence loan was withdrawn/cancelled. | Document Uploaded. | 01/29/2025 | Documentation provided is sufficient. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | 01/30/2025 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2830002620 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 2830002620 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 6000051430 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051430 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051430 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051657 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051657 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051657 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051761 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051761 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051761 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000051761 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2310100734 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/09/2023 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2310100734 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/09/2023 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2310100734 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/09/2023 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2311104678 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/10/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2311104678 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/11/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2311104678 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/11/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 2408127135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2024 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 2408128315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2024 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 2409131162 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2024 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 2410135828 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2024 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 2410135847 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2024 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 802411222393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX | XXX/XXX: not required as borrower is sole owner | XXX: Received evidence of sole ownership | 01/08/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 902412223501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 01/17/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 3505844 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2024 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue The seller is a company, verify the authorized signer for the Seller. | Written consent of the management committee resolution provided. | 12/23/2024 | Property Title Issue Resolved. Confirmed signor was authorized from the company. Cleared.; Document Uploaded. | 12/23/2024 | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 3505844 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2024 | Resolved | XXX | Credit | Asset XXX Missing | Asset XXX Missing The source of funds for closing are from the simultaneous sale of the primary residence. Provide final certified copy of the settlement Statement for XXX, (must be signed by all parties) , minimum proceeds of $XXX. | Asset XXX Provided Or XXX; A copy of the Final Settlement Statement for property as XXX XXX provided. | 11/25/2024 | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3505844 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2024 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The HUD shows earnest money deposit $XXX. Provide one of the following; Copy of check (canceled or not canceled) with certified escrow deposit receipt; or Bank Statement showing the check cleared with certified escrow deposit receipt. Per GL's XXX Earnest Money and Deposit | Asset Qualification Meets Guideline Requirements; Received copies of bank Statements showing deposits were removed from the borrower's account. | 11/25/2024 | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3505844 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2024 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide proof of XXX months al income, rent loss insurance coverage will be required. | Rent Loss Coverage XXX; Document Uploaded. Received updated copy of the HOI Policy showing Fair Rental Value. | 11/25/2024 | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3505844 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2024 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, Listing agent, Seller, settlement agent, settlement company, loan processor, underwriter were not checked with the exclusionary lists. | All Interested Parties Checked against Exclusionary Lists; Received copy of Drive Scoring Results showing additional parties were searched with no issues. Cleared. | 11/25/2024 | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3505844 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 11/14/2024 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3505844 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 11/14/2024 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 7506405 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2024 | Acknowledged | XXX | Credit | Income/Employment General | The No Depth Credit Program was used due to having XXX tradelines for XXX months and a VOR. The XXX month Bank Statement Program was used to qualify the borrower. However, Deficient Tradelines require Full Documentation. Provide an exception with XXX compensating factors to approve Alt Document income program. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for partial VOR, DTI at XXX% and 12MBS on XXX/no score, comp factors, XXX% LTV, borr S/E XXX years, subject is well maintained with an updated kitchen and bath | 12/03/2024 | Document Uploaded. | 12/03/2024 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506405 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2024 | Acknowledged | XXX | Credit | XXX DTI Exceeds Guideline DTI | XXX DTI of XXX% exceeds Guideline DTI of XXX% The FICO score is XXX. A FICO <XXX the MAX DTI is XXX%. | Ok per XXX for partial VOR, DTI at XXX% and 12MBS on XXX/no score, comp factors, XXX% LTV, borr S/E XXX years, subject is well maintained with an updated kitchen and bath | 12/03/2024 | Document Uploaded. | 12/03/2024 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506405 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2024 | Acknowledged | XXX | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The Verification of Rent (VOR) for; XXX. shows the borrower rented from XXX to XXX. A second VOR shows the borrower rented from XX/XX/XXXX to XX/XX/XXXX. Provide the term using months and year, listing any any gaps, for the previous XXX months. Per GL's XXX Verification of Rent Payments | Ok per XXX for partial VOR, DTI at XXX% and 12MBS on XXX/no score, comp factors, XXX% LTV, borr S/E XXX years, subject is well maintained with an updated kitchen and bath | 12/03/2024 | Document Uploaded. | 12/03/2024 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506405 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2024 | Resolved | XXX | Compliance | XXX Home Loan Test | HPML compliant This loan failed the XXX home loan test. The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. | Compliant | 11/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506405 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 11/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506405 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 11/18/2024 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506731 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2024 | Resolved | XXX | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The borrower purchased the subject XXX/XXX. A XXX month housing history is required due to lack of credit depth. There is a Verification of Rent (VOR) completed on XXX/XXX. This provides payment history from XX/XX/XXXX - XXX/XXX. The VOR is expired. Provide verification of rental payment history from XXX/XXX -XXX/XXX. Per guidelines: XXX verification of rent payments, & XXX Minimum Credit Depth. | Per lender - If the VOR is dated through XXX/XXX and borrower bought their home in XXX/XXX, then the gap has been covered for a full XXX+ month housing history as XXX does not require any half month payments when someone buys a new home. The fact that it is dated in XXX does not XXX an issue of expiration as it is covering a previous payment, XXX will take a dated VOR for previous payments. | 12/16/2024 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially XXX.; Re-reviewed documentation provided with the response received and confirmed the VOR is covering prior payments and current payments are sufficient. Cleared. | 12/16/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 7506731 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2024 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Mortgage Statements from XXX (mortgage #XXX) show payments from XX/XX/XXXX/XXX. The XXX/XXX and XXX/XXX payments were reversed due to returned checks. The XXX/XXX Statement shows past due amount of $XXX. Provide proof the payments were made within XXX day timeframe with a pay history or bank Statements. Per Guidelines XXX Determining The Mortgage Rating | Per Lender - The XXX/XXX payment was made on XXX/XXX, the XXX/XXX payment was made XXX/XXX which went NSF and then paid XXX/XXX. The XXX/XXX payment was made XXX/XXX that went NSF and was paid again XXX/XXX and there are no more NSF’s after that. The Statement for the payment due XXX/XXX was dated XXX/XXX which was a day before the XXX/XXX payment was made on XXX/XXX so this is why it showed XXX payments due, one for XXX and one for XXX but the Statement was dated XXX/XXX prior to the XXX payment being made on XXX/XXX | 12/16/2024 | Housing History Meets Guideline Requirements; Re-reviewed the payments based on the dates provided and confirmed sufficient. Housing history has been verified and cleared. | 12/16/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 7506731 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2024 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Lender used the full documentation program to qualify the borrower. There is a written verification verifying earnings for the most recent years through current year to date. However, the current year-to-date earnings on a current pay stub is not in the file. Provide a current year-to-date earnings on a current pay stub. Per Guidelines IV. Income Documentation Programs -Full Documentation: Wage Earner (The borrower has deficient tradelines which requires full Doc: Per Non Prime Wholesale - Program LTV and Loan Amount Matrix) | XXX Response: Uploading bank Statement showing direct deposits to borrower from employer covering XXX paydays. Per Sec XXX, ITIN borrowers can show payroll deposits via a bank Statement and a WVOE for the full doc program | 12/10/2024 | Document Uploaded. BS received shows XXX paystubs received, condition cleared.; Document Uploaded. File is missing the additional upload attached to the lender response. Lender to please upload bank Statement showing direct deposits to borrower from employer covering XXX paydays per rebuttal. | 12/11/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 7506731 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 11/26/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506731 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 11/26/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506812 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2024 | Resolved | XXX | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared Participant name (processor) , is on the OFAC watchlist. Verify the identity of participant and follow internal watchlist match procedures. | OFAC Check Completed and Cleared; Document Uploaded. ; False match, OFAC Cleared | 12/10/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506812 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2024 | Acknowledged | XXX | Credit | XXX FICO is less than Guideline FICO | XXX FICO of XXX is less than Guideline FICO of XXX. The subject is a rural property. The minimum FICO score for rural properties is XXX. A Lender exception is in the file. An LTV of XXX% is not a compensating because XXX% is the maximum LTV for a XXX of a rural property. Provide XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX: Rural Property | Proceeding with rural fico of XXX - XXX% LTV - XXX%. Ok per XXX for rural with XXX FICO, comp factors, XXX% LTV, full doc, XXX% DTI.. | 12/10/2024 | Document Uploaded. | 12/10/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506812 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 11/26/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506812 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 11/26/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506812 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2024 | Resolved | XXX | Compliance | XXX Home Loan Test | HPML Compliant This loan failed the XXX home loan test. (XXX GS §XXX-11F(a) (XXX) ) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Compliant | 11/26/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506269 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/27/2024 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, buyers real eState agent, loan processor and underwriter were not checked with the Exclusionary Lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. All parties cleared on report | 12/12/2024 | Positive DSCR, significant reserves after closing, subject in C3 well maintained condition. | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506269 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/27/2024 | Acknowledged | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Bank Statement #XXX, (a foreign account) , is in the file. On XX/XX/XXXX a $XXX wire was sent to escrow from this account. The Settlement/distribution date was XX/XX/XXXX.The Sufficient funds to close must be on deposit with the Escrow / Closing Agent at least three business days (including Saturdays for this calculation) prior to any closing date. Provide a Lender exception with XXX compensating factors to approve receipt of funds less than XXX days prior to closing. Per guidelines XXX : Assets Held / Foreign Accounts | Ok per XXX for foreign funds not on deposit for at least XXX days, comp factors, positive DSCR, significant reserves after closing, subject in C3 well maintained condition. | 12/12/2024 | Document Uploaded. Ok per XXX for foreign funds not on deposit for at least XXX days, comp factors, positive DSCR, significant reserves after closing, subject in C3 well maintained condition. | 12/12/2024 | Positive DSCR, significant reserves after closing, subject in C3 well maintained condition. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506269 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/27/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/02/2024 | Positive DSCR, significant reserves after closing, subject in C3 well maintained condition. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506269 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/27/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. | Compliant | 12/02/2024 | Positive DSCR, significant reserves after closing, subject in C3 well maintained condition. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506090 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 12/03/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3506090 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/03/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3506090 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/03/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507083 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 12/04/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507083 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/04/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507083 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/04/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3506930 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2024 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide proof of XXX months al income rent loss insurance coverage. At minimum, Rent loss coverage should be to the lessor of PITIA or rent received/scheduled. | XXX Response: The insurance that reflects loss of use which is rent loss. | 12/16/2024 | Rent Loss Coverage XXX; XXX Response: The insurance that reflects loss of use which is rent loss. | 12/16/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506930 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2024 | Acknowledged | XXX | Credit | XXX Interested Party Contribution Exceeds Guideline Program Maximum | XXX Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. The settlement Statement shows a seller credit of $XXX and an OTP seller credit of $XXX. Non-owner occupied properties are limited to maximum XXX% recurring and non-recurring closing costs, regardless of LTV. Provide a Lender exception with XXX compensating factors. Per GL's XXX Maximum Contributions | XXX Response: Uploading updated ULAW with comp factors. Ok per XXX for excessive contributions, comp factors, XXX% LTV, positive DSCR, subject is a C1 XXX new build from XXX | 12/16/2024 | Document Uploaded. | 12/16/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506930 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/04/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506930 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/04/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506064 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2024 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Borrowers acquired the subject property XX/XX/XXXX and do not meet lenders Property Ownership GLs XXX - Generally, an applicant that is added to title via quit claim must be on title for at minimum XXX days before applying for a XXX transaction with case-by-case exceptions for inheritance, divorce, etcetera. | XXX Response: Borrowers were not merely added to title, they purchased it and as such are not held to Sec XXX that is exclusively for those granted title | 12/18/2024 | Property Title Issue Resolved; file has lender exception for transaction type that doesn’t meet lender GLs; Document Uploaded. | 12/18/2024 | Borrower has stable job time is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506064 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2024 | Acknowledged | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Lender approved the loan as a cash out XXX, delayed financing. The loan does not qualify as a delayed financing transaction as the borrowers had a mortgage lien paid off at closing. Per Lender GLs XXX - XXX defines “delayed financing” as the purchase of a property for XXX% cash and apply, within XXX days following the purchase, to retrieve a portion of that cash used in the purchase. Per lender GLs XXX - f the subject has been recently acquired via a non-financed / cash purchase transaction less than XXX days (measured from purchase closing date to ) then the transaction should not be priced as a “cash-out”. The transaction would be considered as delayed finance and the borrower may recoup with cash-in-hand. LTV tolerance is that of XXX. | XXX response: Loan is a C/O refi but also with a pricing concession and an LTV exception by Sr Mgmt. OK per XXX for XXX% LTV, comp factors, XXX FICO, no negative credit reporting, DSCR XXX, significant reserves after closing | 12/18/2024 | Document Uploaded. | 12/18/2024 | Borrower has stable job time is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506064 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2024 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% | OK per XXX for XXX% LTV, comp factors, XXX FICO, no negative credit reporting, DSCR XXX, significant reserves after closing | 12/18/2024 | Document Uploaded. | 12/18/2024 | Borrower has stable job time is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506064 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2024 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% Per lender matrix, Max LTV for XXX of a rural property is XXX%. | OK per XXX for XXX% LTV, comp factors, XXX FICO, no negative credit reporting, DSCR XXX, significant reserves after closing | 12/18/2024 | Document Uploaded. | 12/18/2024 | Borrower has stable job time is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506064 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2024 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% Per lender matrix, Max LTV for XXX of a rural property is XXX%. | OK per XXX for XXX% LTV, comp factors, XXX FICO, no negative credit reporting, DSCR XXX, significant reserves after closing | 12/18/2024 | Document Uploaded. | 12/18/2024 | Borrower has stable job time is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506064 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/05/2024 | Borrower has stable job time is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506064 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/05/2024 | Borrower has stable job time is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507245 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Resolved | XXX | Credit | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Provide HOA Master insurance policy Walls out coverage: $1M Liability, Correct HOA name as the Insured Party and Building subject Property Address must include our unit in description. | HO-XXX Master Insurance Policy is fully XXX; Document Uploaded. | 12/18/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507245 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/06/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507245 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/06/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506754 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/06/2024 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing a complete Section XXX: Demographic Info for B2. Declaration XXX for BR1 shows no housing ownership in the last XXX years, however BR is refinancing a primary and is not a FTHB. Lender to correct. | The Final 1003 is XXX; Document Uploaded. updated urla cleared | 12/19/2024 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506754 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/06/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/09/2024 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506754 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/06/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/09/2024 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506808 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/11/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506808 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/11/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506808 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 12/11/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3506576 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2024 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, processor and underwriter were not checked with Exclusionary lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. fraud cleared, no issues | 01/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 3506576 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2024 | Acknowledged | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. A XXX requires a minimum DSCR of XXX. Provide a Lender exception with compensating factors. | Ok per XXX for XXX% LTV, DSCR at XXX and for this XXX Condo, comp factors, XXX FICO, no negative credit reporting, significant reserves after closing, subject complex noted to be well maintained | 01/09/2025 | Document Uploaded. | 01/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 3506576 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2024 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% A purchase of a non XXX with a DSCR <XXX requires a maximum LTV/CLTV/HCLTV of XXX%. Provide a Lender exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for XXX% LTV, DSCR at XXX and for this XXX Condo, comp factors, XXX FICO, no negative credit reporting, significant reserves after closing, subject complex noted to be well maintained | 01/09/2025 | Document Uploaded. | 01/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 3506576 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2024 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% A purchase of a non XXX with a DSCR <XXX requires a maximum LTV/CLTV/HCLTV of XXX%. Provide a Lender exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for XXX% LTV, DSCR at XXX and for this XXX Condo, comp factors, XXX FICO, no negative credit reporting, significant reserves after closing, subject complex noted to be well maintained | 01/09/2025 | Document Uploaded. | 01/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 3506576 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2024 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% A purchase of a non XXX with a DSCR <XXX requires a maximum LTV/CLTV/HCLTV of XXX%. Provide a Lender exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for XXX% LTV, DSCR at XXX and for this XXX Condo, comp factors, XXX FICO, no negative credit reporting, significant reserves after closing, subject complex noted to be well maintained | 01/09/2025 | Document Uploaded. | 01/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 3506576 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2024 | Acknowledged | XXX | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The XXX HOA Certification shows there is pending litigation against the project. A XXX project that is currently in litigation is not eligible for financing. Provide a Lender exception wit XXX compensating factors. Per Guidelines XXX Eligibility Requirements | Ok per XXX for XXX% LTV, DSCR at XXX and for this XXX Condo, comp factors, XXX FICO, no negative credit reporting, significant reserves after closing, subject complex noted to be well maintained | 01/09/2025 | Document Uploaded. | 01/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 3506576 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Complaint | 12/19/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 7507397 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2024 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to Trust Review fee which was added on LE dated XX/XX/XXXX without a valid COC in file | Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded. | 12/30/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507397 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Complaint | 12/19/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507397 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Complaint | 12/19/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3506743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Acknowledged | XXX | Credit | Borrower owns more financed properties than allowed per guidelines | Missing the Certificate of Loans to One Borrower disclosure and XXX the total number of loans as they are not reflected on the XXX's SREO. Lender internal correspondence States there are five loans for borrower and loan numbers are provided for three of them: #XXX (Subject) , #XXX, #XXX. #XXX is another loan being XXX by Due Diligence Firm. Loan must meet Lender GL Section XXX - Number of Loans to One Borrower. | Ok per XXX for more than XXX loans to a single borrower, comp factors, XXX FICO, XXX DSCR, subject is a C2 XXX build... | 01/14/2025 | Document Uploaded. | 01/14/2025 | XXX FICO, XXX DSCR, subject is a C2 XXX build | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/23/2024 | XXX FICO, XXX DSCR, subject is a C2 XXX build | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/23/2024 | XXX FICO, XXX DSCR, subject is a C2 XXX build | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3507061 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, settlement agent, loan processor, and underwriter were not checked with the Exclusionary Lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. fraud cleared | 01/14/2025 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3507061 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Resolved | XXX | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. XXX home Mortgage #XXX is reported through XXX/XXX. Provide a credit supplement to verify the account is paid for XXX/XXX. Per GL's XXX Determining Mortgage Rating | XXX Response: Per Sec XXX, mortgages on non-subject NOO’s are not required to have mortgage ratings. WF is for XXX, a rental. | 01/14/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially XXX.; Document Uploaded. cleared per lender rebuttal | 01/14/2025 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 3507061 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Resolved | XXX | Credit | Borrower residency documentation not provided or issue with documentation | Copy of social security card or fully executed SSA-XXX results (SSA-XXX requires original signature and date) Per GL's XXX Eligible Borrowers | Document Uploaded. SSA cleared | 01/14/2025 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3507061 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/23/2024 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3507061 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/20/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/23/2024 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 7507153 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/24/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507153 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 12/24/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507153 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/24/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially XXX. The Co-borrower has XXX tradelines reported XXX & XXX months. A minimum credit depth of three XXX tradelines aged individually for a XXX month minimum OR, two XXX tradelines aged individually for a XXX month minimum is required. Provide a Lender exception with XXX compensating factors. Per GL's XXX minimum Credit Depth | XXX Response: Borrower has XXX accounts at XXX months on the credit report. XXX does not require the trades to be open, closed trade work the same | 01/15/2025 | Borrower 2 Credit Report is not partially XXX.; Document Uploaded. cleared per lender rebuttal | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The co-borrower has deficient tradelines which requires Full Documentation income. Provide a Lender exception with XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX Deficient Tradelines | XXX Response: The borrowers’ current address is reflected on credit for both borrowers. XXX, XXX and XXX Statements all show the same address as well | 01/15/2025 | Income and Employment Meet Guidelines; cleared per lender rebuttal | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Credit | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report Fraud shows Credit Header Search does not show ANY history for the borrower at the current residence address. In addition, the Borrower and Co-borrower drivers license's issued on XX/XX/XXXX and XX/XX/XXXX shows address is in XXX. Lender to clear alert. | XXX response: The borrowers’ current address is reflected on credit for both borrowers. XXX, XXX and XXX Statements all show the same address as well. | 01/15/2025 | Potential Fraud Reflected on Fraud Report is Resolved or None Exists; cleared per lender rebuttal | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Provide evidence individual signing as seller on the contract is an authorized signer for selling entity | seller verified and cleared | 01/15/2025 | Property Title Issue Resolved; Document Uploaded. | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Credit | Missing Certificate of Occupancy | Missing Certificate of Occupancy | ; Document Uploaded. CO received and cleared | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Credit | Borrower residency documentation not provided or issue with documentation | Non-XXXs are borrower's (i) on a VISA or (ii) have a Social Security Number and an unexpired Work Authorization. They may be eligible for a loan with XXX on a case-by-case basis and based on the type of VISA and compensating factors. Provide a Visa, unexpired Work Authorization or Lender exception. Per GL's XXX Eligible Borrower's | XXX response: Subject closed as an ITIN loan due to lack of further unexpired documentation, the NPRA designation is only for the XXX classification due to the system not having an ITIN option. | 01/15/2025 | Document Uploaded. cleared per lender rebuttal | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum CLTV for Deficient Tradelines is XXX%. The Lender exception is for an ITIN XXX-XXX FICO score. Provide an exception for Deficient Tradeline, with XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | XXX Response: Uploading updated ULAW with comp factors. per XXX Price Match XXX @ Par BPC XXX Score XXX TLV. Ok per XXX for XXX% LTV, comp factors, XXX FICO, XXX% DTI, borr S/E XXX+ years, subject is a XXX C1 new build | 01/15/2025 | per XXX Price Match XXX @ Par BPC XXX Score XXX TLV. Ok per XXX for XXX% LTV, comp factors, XXX FICO, XXX% DTI, borr S/E XXX+ years, subject is a XXX C1 new build | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HCLTV for Deficient Tradelines is XXX%. The Lender exception is for an ITIN XXX-XXX FICO score. Provide an exception for Deficient Tradeline/ITIN, with XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | XXX Response: Uploading updated ULAW with comp factors. per XXX Price Match XXX @ Par BPC XXX Score XXX TLV. Ok per XXX for XXX% LTV, comp factors, XXX FICO, XXX% DTI, borr S/E XXX+ years, subject is a XXX C1 new build | 01/15/2025 | per XXX Price Match XXX @ Par BPC XXX Score XXX TLV. Ok per XXX for XXX% LTV, comp factors, XXX FICO, XXX% DTI, borr S/E XXX+ years, subject is a XXX C1 new build | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum LTV for Deficient Tradelines is XXX%. The Lender exception is for an ITIN XXX-XXX FICO score. Provide an exception for Deficient Tradeline/ITIN, with XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | XXX Response: Uploading updated ULAW with comp factors. per XXX Price Match XXX @ Par BPC XXX Score XXX TLV. Ok per XXX for XXX% LTV, comp factors, XXX FICO, XXX% DTI, borr S/E XXX+ years, subject is a XXX C1 new build | 01/15/2025 | Document Uploaded. | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 12/24/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506931 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/24/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506314 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2024 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% XXX% LTV exceeds XXX% max on a cash-out XXX with a XXX FICO. Ok, per XXX, for XXX% LTV with FICO less than XXX; however, missing a minimum of two compensating factors prior to DD Firm acknowledging. | KG exception for LTV XXX% with fico XXX. Comp factors, XXX% DTI, borr S/E for XXX+ years, subject is a C2 XXX build | 01/15/2025 | Document Uploaded. | 01/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7506314 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 12/26/2024 | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506314 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 12/26/2024 | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7506314 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/24/2024 | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506355 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Acknowledged | XXX | Credit | XXX Loan Amount is less than Guideline Minimum Loan Amount | XXX Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX $XXXX loan amount doesn't meet the $100k minimum per Lender Loan Matrix. Ok, per XXX, for loan amount less than $XXX; however, missing a minimum of two compensating factors prior to DD Form Acknowledging. | Exception approved for loan amount of XXX for XXX fee to borrower. Ok per XXX for $XXX loan amount, comp factors, XXX% LTV, positive DSCR, significant reserves after closing. In order to keep DSCR at a XXX borrower is also now paying a discount.. | 01/16/2025 | Document Uploaded. | 01/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506355 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/27/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506355 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/27/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3507330 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/27/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507330 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 12/27/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507330 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/27/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507418 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | The primary residence mortgage is not in the borrowers name. Provide Affidavit of Death filed XXX to XXX. Per Guidelines: XXX Determining Mortgage Rating | XXX Response: Uploading XXX report on primary and it shows borr on title so it looks to have been an AITD wrap loan sale with seller holding the loan after they sold the property. This has no bearing on the approvability of XXX’s loan | 01/17/2025 | Document Uploaded. condition cleared per lender rebuttal and property report | 01/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 3507418 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/27/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507418 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/27/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3506608 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/27/2024 | Acknowledged | XXX | Credit | Missing Business Entity Formation Document | The borrower was unable to locate the EIN letter from the XXX. There is a Lender exception email in the file to allow a W9 from prior tax year instead of EIN letter from XXX. The file is missing required W9 per exception in file. Lender exception is also missing XXX compensating factors. Lender to provide W9 and comp factors. There is a CPA letter that provided confirmation of the EIN. If lender is accepting a CPA letter, an updated lender exception with XXX compensating factors and the tax preparer’s license verification, from municipal, State or federal licensing boards or proof of their business’ existence are required. | XXX Response: Uploading updated ULAW with comp factors and the W9. | 01/20/2025 | Updated ULAW provided. Ok per XXX to use the W9 for the EIN, comp factors - XXX FICO, XXX% LTV, positive DSCR. ; Document Uploaded. | 01/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506608 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/27/2024 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser and the underwriter were not checked with Exclusionary Lists. | XXX Response: Uploading updated XXX report. | 01/20/2025 | All Interested Parties Checked against Exclusionary Lists. Received an updated fraud report which included the search on the appraiser and underwriter accordingly.; Document Uploaded. | 01/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506608 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/27/2024 | Resolved | XXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage The Hazard Insurance policy shows Fair Rent Loss is included but no dollar figure or length of coverage. Provide proof XXX months Rent loss coverage in the amount of; the lessor of PITIA or rent received/scheduled. | XXX Response: Uploading HOI with rent loss and email from agent confirming XXX months coverage | 01/20/2025 | Rent Loss Coverage XXX; Document Uploaded. | 01/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506608 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/27/2024 | Resolved | XXX | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The credit report shows; XXX #XXX & XXX reported through XXX/XXX, XXX #XXX reported through XXX/XXX and XXX #XXX reported through XXX/XXX. Mortgage Statement for XXX #XXX shows the XXX/XXX payment made. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last twelve months. All reported mortgages on credit should be considered. Provide credit supplement for all reported mortgages to shows payments through XXX/XXX/ Per GL's XXX Determining Mortgage Rating | Per lender : Per Sec XXX only the subject REO and primary residence are required to have a full rating. For XXX #XXX, uploading supp covering XXX/XXX, stmt showing XXX/XXX and demand showing XXX/XXX being paid. Also uploading corrected XXX as the XXX belongs to another REO per the XXX rep | 01/20/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially XXX.; Reveiwed the documentation provided and confirmed sufficient to cover the Verification of Mortgage on the property. ; Document Uploaded. | 01/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3506608 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/27/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 12/30/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506608 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/27/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 12/30/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507635 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/03/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The XXX month Bank Statement Income Program was used qualify the borrower. Business bank Statements from XXX/XXX - XXX/XXX are in the file. As prescribed by the program, the latest month’s business bank Statements with all pages is required for all months. The Loan funded XX/XX/XXXX. Provide XXX/XXX XXX #XXX bank Statement. Per GL's Twelve Month Bank Statement Income Program | XXX Response: The XX/XX/XXXX Statement has a XXX day expiration so XXX/XXX is still within that range | 01/30/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 01/30/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 7507635 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507635 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/03/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507635 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/03/2025 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507703 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/03/2025 | Acknowledged | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX) ) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX) ). Missing Evidence of Appraisal was provided to Borrower | Exception is non-material and graded as level 2/B. | 01/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | B | B | B | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 7507703 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/03/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 7507703 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | A | A | A | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 3507759 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507759 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507759 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507742 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Credit | Borrower residency documentation not provided or issue with documentation | Provide a copy of social security card or fully executed SSA-XXX results. Per GL's XXX Borrower Eligibility | ; Document Uploaded. ssn verified | 01/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507742 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507742 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507510 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2025 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The Maximum LTV for an ITIN Loan is XXX%. A Lender exception is in the file. Provide XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | TIN Borrower exceeding XXX% max LTV Purchase; and Price match with LoanStream at XXX% int rate at XXX at XXX% LTV. Ok per XXX for XXX% LTV, comp factors, XXX FICO, XXX% DTI, borr S/E for XXX+ years... | 02/06/2025 | Document Uploaded. | 02/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7507510 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2025 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The Maximum HCLTV for an ITIN Loan is XXX%. A Lender exception is in the file. Provide XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | TIN Borrower exceeding XXX% max LTV Purchase; and Price match with LoanStream at XXX% int rate at XXX at XXX% LTV. Ok per XXX for XXX% LTV, comp factors, XXX FICO, XXX% DTI, borr S/E for XXX+ years... | 02/06/2025 | Document Uploaded. | 02/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7507510 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2025 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The Maximum CLTV for an ITIN Loan is XXX%. A Lender exception is in the file. Provide XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | TIN Borrower exceeding XXX% max LTV Purchase; and Price match with LoanStream at XXX% int rate at XXX at XXX% LTV. Ok per XXX for XXX% LTV, comp factors, XXX FICO, XXX% DTI, borr S/E for XXX+ years... | 02/06/2025 | Document Uploaded. | 02/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7507510 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507510 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507510 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2025 | Resolved | XXX | Compliance | XXX Home Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX home loan test. (NC GS §XXX-11F(a) (XXX) ) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. | Compliant | 01/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507128 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide a verbal verification of employment (“VVOE”) for the borrower conducted by CSC within XXX hours prior to funding. | Borrower 1 3rd Party VOE Prior to Close Was Provided; Document Uploaded. WVOE dated XXX/XXX received for file | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507128 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Fannie Mae UCDP with a score of XXX or less, or a XXX to support the appraised value. | Third party valuation product provided within tolerance.; Document Uploaded. UCDP XXX score, condition cleared | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507128 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508165 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/13/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508165 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/13/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508165 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/13/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507927 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/10/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/13/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507927 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/13/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507927 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/13/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507926 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2025 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% XXX% LTV exceeds XXX% max. XXX% reduction required for XXX XXX, per Lender Matrix. There is an Exception Detail and email regarding a price match but no specific Lender Approval for the actual LTV. Must also reflect at least two compensating factors. | Approved to match at XXX% at XXX% PAR. High Fico, Low DTI, Post closing reserves XXX months. Approved at XXX% XXX- credit committee (XX/XX/XXXX) | 02/05/2025 | Document Uploaded. | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507926 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3507926 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507865 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The XXX shows the borrower has been paying $XXX rent for 3years. XXX and XXX XXX payment of $XXX from XX/XX/XXXX/XXX are in the file. However, only payments sent XXX/XXX and XXX/XXX are from the borrowers verified account. Payments sent from checking account #XXX and #XXX are not verified. Provide proof all XXX rent payments came from the borrower's accounts. Per XXX Verification of Rent Payments | XXX Response: Sourcing each payment to the borrower’s account is beyond the scope of the underwrite, the proof of payments is not limited to any account that we have used for other purposes. The amount is the same and it matches the XXX | 02/06/2025 | Housing History Meets Guideline Requirements; Re-reviewed the documents provided in the loan image to determine the payments were made and confirmed - even though paid from different accounts or different forms of payment. Confirmation of the payments made from the account were pulled successfully and do not need additional document. ; Document Uploaded. | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7507865 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide the Underwriting Loan Approval Worksheet | XXX Response: Uploading updated ULAW with comp factors. | 02/06/2025 | Approval/Underwriting Summary is fully XXX; Document Uploaded. | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | B | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7507865 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. XXX will consider loans for First Time Home Buyers (“FTHB”) provided they do not have, for a primary residence purchase, a payment shock of greater than three times (3X) that of their current rental payment. The borrower's payment shock exceeds XXX times the current $XXX payment. Provide an exception with XXX compensating factors. Per GL's XXX FIRST TIME HOME BUYER | XXX Response: Uploading updated ULAW with comp factors. | 02/06/2025 | Received updated ULAW - Exception XXX XXX% XXX XXX @ XXX. Ok per XXX to waive payment shock, comp factors, XXX FICO, XXX% DTI, borr S/E for XXX+ years, payment shock has been officially removed in updated guidelines..; Document Uploaded. | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7507865 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507865 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507248 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | Borrower residency documentation not provided or issue with documentation | Provide social security card or fully executed SSA-XXX results. Per GL's XXX Eligible Borrowers | Document Uploaded. BR SS card cleared | 02/10/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507248 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The XXX Mortgage #XXX is reported last paid XXX/XXX. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last twelve months. Provide proof XXX XXX payment was made. Per GL's XXX Determining Mortgage Rating | Ok per XXX to use demand to shows XXX payment was made but possibly made on or before XXX 2nd, comp factors, XXX FICO, XXX% LTV, XXX% DTI.. | 02/10/2025 | Document Uploaded. | 02/10/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 7507248 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7507248 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 7508003 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508003 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508003 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507864 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507864 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507864 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507866 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The property report for the departure property, (XXX) , shows a loan with XXX. The credit report shows mortgage with XXX #XXX, for $XXX paid and closed XXX/XXX. Provide final CD for XXX of XXX #XXX to verify not additional liens were opened. If the loan was paid off through a XXX provide the terms of the new mortgage. The PITI must be included in the DTI. Per GL's XXX Borrower's Debts and Liabilities. | XXX Response: Uploading insurance from departure, as of XX/XX/XXXX there was no loss payee for any mortgage. XXX was paid off and there are no active liens | 02/11/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 02/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 7507866 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | A Closing Disclosure for the purchase of XXX showing a sales price of $XXX, and loan of $XXX is in the file with an XXX loan number XXX. The monthly mortgage payments must be satisfactorily documented on all rental properties owned by the borrower, if not reported on the credit report. Provide the Final CD with the PITIA and include it in the DTI. Lender's DTI XXX% with an additional $XXX showing on the ULAW that is not accounted for in the loan file or final URLA. Per GL's XXX Borrower's Debts and Liabilities, XXX Mortgage payments for Rental Properties. | XXX Response: This other XXX loan was another OO purchase that fell through and did not fund. | 02/11/2025 | Document Uploaded. | 02/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 7507866 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507866 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507888 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, seller's, Listing agent, Listing Broker, cooperating sales agent, cooperating broker, and underwriter were not checked with the Exclusionary Lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties verified and cleared | 02/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 3507888 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Credit | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The XXX schedule of real eState shows the primary residence has a mortgage and an additional monthly payment of $XXX. Provide documentation for the $XXX and proof it is has been paid per agreement for the previous XXX months. Per GL XXX Determining Mortgage Rating. | XXX Response: This figure is actually the annual T&I and not an actual mortgage. Uploading updated XXX | 02/11/2025 | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially XXX.; Document Uploaded. | 02/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 3507888 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Acknowledged | XXX | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The subject is a a newer XXX. The Developer has not turned the Association over to the Owners. The HOA should be in control – project under Developer or Builder control will be considered on a case-by-case basis only. Provide an exception with XXX compensating factors. Per XXX Eligibility Requirements | Approved to match XXX% at XXX (XXX Discount). Ok per XXX to treat this XXX as an XXX for developer in control, comp factors, XXX FICO, XXX DSCR, no mortgage lates reporting, subject is a C2 XXX build | 02/11/2025 | Document Uploaded. | 02/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |
| 3507888 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | A | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | |||
| 3507657 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property is located in XXX complex in XXX, XXX. Lender to verify that XXX has not lent on more than XXX% of the units in this project per lender GLs XXX Cond or XXX. | XXX Response: This limitation was published for visibility to our financial XXXs, at current we are less than XXX% but once we get close to XXX%, we will no longer lend in this subdivision and will publish a credit memo for the cessation of all loans in XXX | 02/11/2025 | Property/Appraisal Meets Guidelines; Document Uploaded. | 02/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 3507657 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507657 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507368 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, escrow agent, and underwriter were not checked with the Exclusionary lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties cleared | 02/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3507368 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The Maximum CLTV for a cash out XXX with a XXX FICO is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for XXX% LTV, comp factors, XXX DSCR, no negative credit reporting, subject in C2 good condition | 02/11/2025 | Ok per XXX for XXX% LTV, comp factors, XXX DSCR, no negative credit reporting, subject in C2 good condition | 02/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507368 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The Maximum LTV for a cash out XXX with a XXX FICO is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for XXX% LTV, comp factors, XXX DSCR, no negative credit reporting, subject in C2 good condition | 02/11/2025 | Ok per XXX for XXX% LTV, comp factors, XXX DSCR, no negative credit reporting, subject in C2 good condition | 02/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507368 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The Maximum HCLTV for a cash out XXX with a XXX FICO is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for XXX% LTV, comp factors, XXX DSCR, no negative credit reporting, subject in C2 good condition | 02/11/2025 | Document Uploaded. | 02/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507368 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3507368 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3508024 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The settlement Statement shows $XXX closing funds received from the borrower. Sufficient funds to close must be on deposit with the Escrow / Closing Agent at least three business days (including Saturdays for this calculation) prior to any closing date. Provide proof the date funds were received. Per XXXs | XXX Response: Conditions #XXX & #XXX show the deposits from XXX into the XXX account up to XX/XX/XXXX and the closing funds were taken out XX/XX/XXXX. Though the address of the borrower is in XXX, the funds are held in XXX | 02/12/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. cleared per rebuttal and XXX account in file | 02/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 3508024 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508024 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506088 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506088 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7506088 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507949 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507949 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507949 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507924 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/21/2025 | Resolved | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Two collections on credit were not paid off at closing. Collection last activity dates are XX/XX/XXXX. Total collections unpaid $XXX, collections with XXX $XXX and $XXX. Provide proof the collections were paid per GL's XXX Collections. | XXX Response: The two collections accounts were originally with XXX and XXX with both of them being sold to XXX but they opened over XXX years ago and do not need to be paid off. Uploading updated ULAW. | 02/13/2025 | Delinquent Credit History Meets Guideline Requirements; Document Uploaded. | 02/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507924 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Acknowledged | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A wire sent to escrow from XXX for $XXX is in the file. XXX #XXX was the source of funds for closing. Verification of the seasoning of funds to close is required on loans: Over XXX% LTV / CLTV for Business Purpose / DSCR loans where funds to close are over $XXX. Provide a copy of the borrower’s XXX #XXX bank Statement for the most recent month. Per GL's XXX Verification of Assets / funds | Ok per XXX for XXX% LTV with DSCR <XXX, comp factors and for no XXX account validated (assets in file from another bank cover all assets) , comp factors, XXX FICO, significant reserves after closing, subject in C3 condition.. | 02/13/2025 | Document Uploaded. Ok per XXX for XXX% LTV with DSCR <XXX, comp factors and for no XXX account validated (assets in file from another bank cover all assets) , comp factors, XXX FICO, significant reserves after closing, subject in C3 condition.. | 02/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507924 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV for a DSCR < XXX is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for XXX% LTV with DSCR <XXX, comp factors and for no XXX account validated (assets in file from another bank cover all assets) , comp factors, XXX FICO, significant reserves after closing, subject in C3 condition.. | 02/13/2025 | Document Uploaded. | 02/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507924 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Acknowledged | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum HLTV for a DSCR < XXX is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for XXX% LTV with DSCR <XXX, comp factors and for no XXX account validated (assets in file from another bank cover all assets) , comp factors, XXX FICO, significant reserves after closing, subject in C3 condition.. | 02/13/2025 | Ok per XXX for XXX% LTV with DSCR <XXX, comp factors and for no XXX account validated (assets in file from another bank cover all assets) , comp factors, XXX FICO, significant reserves after closing, subject in C3 condition.. | 02/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507924 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Acknowledged | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV for a DSCR < XXX is XXX%. Provide an exception with XXX compensating factors. Per BUSINESS PURPOSE / DSCR - PROGRAM LTV AND LOAN AMOUNT MATRIX | Ok per XXX for XXX% LTV with DSCR <XXX, comp factors and for no XXX account validated (assets in file from another bank cover all assets) , comp factors, XXX FICO, significant reserves after closing, subject in C3 condition.. | 02/13/2025 | Document Uploaded. | 02/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3507924 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3507924 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3506820 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3506820 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3506820 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3507708 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all parties cleared. | All Interested Parties Checked against Exclusionary Lists; all parties cleared | 02/14/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507708 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507708 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508113 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508113 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508113 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507678 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2025 | Resolved | XXX | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Required due to recent wildfires in XXX active as of XXX/XXX and appraisal completed XX/XX/XXXX. | Property Inspection Provided.; Evidence provided that subject property was not located in impacted area. Condition cleared.; Document Uploaded. Due to the size of XXX XXX, the subject loan had the Post-Disaster Inspection requirement waived. The subject property was not in proximity to the fire or in an evacuation zone. | 02/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | B | A | C | A | A | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507678 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2025 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Underwriting Loan Approval Worksheet. | Approval/Underwriting Summary is fully XXX; Document Uploaded. | 02/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | B | A | C | A | A | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507678 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | B | A | C | A | A | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | C | B | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507943 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing evidence of receipt of the $XXX gift funds. Letter provided but not proof it was transferred to borrower or escrow and it is not reflected on the Final CD. Per Lender GL Section XXX - Gift Funds / Gift Letter. | Asset Qualification Meets Guideline Requirements; Document Uploaded. XXX wire receipt cleared | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507943 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and meet appraisal requirements This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507943 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX) , XXX XXX(XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Compliant | 01/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507943 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/28/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507925 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, and underwriter was not checked with the Exclusionary lists. | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. all parties cleared | 02/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507925 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3507925 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3508076 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing Final 1003 for B2 (XXX). | The Final 1003 is XXX; Document Uploaded. | 02/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3508076 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Acknowledged | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% XXX% LTV exceeds max for Rural property N/O/O purchase with XXX FICO. Per BP NOO Lender Matrix, max XXX% for Rural purchase. Ok, per XXX for XXX% LTV as Rural; however, missing a minimum of two compensating factors prior to DD Firm acknowledging. | Ok per XXX for XXX% LTV, comp factors, XXX FICO, borr S/E XXX+ years, XXX+ after closing... | 02/21/2025 | Document Uploaded. | 02/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 3508076 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3508076 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 3507894 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/29/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 3507894 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/29/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 7507670 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The XX/XX/XXXX months XXX housing history. A credit supplement provides XXX months rental pay history. The mortgage / rental rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns and / or rents over the last twelve months. Provide evidence of pay history for the previous XXX months for the co-borrower. Complete XXX year housing history for both borrowers on the XXX. Per XXX Determining Mortgage/Renal Rating | Ok per XXX to take the trades as-is for B1 and being XXX months short on the rating, comp factors, XXX FICO, XXX% LTV, subject is a C1 XXX new build.. | 02/19/2025 | Document Uploaded. | 02/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 7507670 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Acknowledged | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially XXX. The borrower has XXX tradelines reviewed for XXX, XXX and XXX months. Credit supplement provides XXX months rental history only and does not meet XXX month requirement. A minimum credit depth of three XXX tradelines aged individually for a XXX month minimum, OR two XXX tradelines aged individually for a XXX month minimum is required. Per GL's XXX Minimum Credit Depth | Ok per XXX to take the trades as-is for B1 and being XXX months short on the rating, comp factors, XXX FICO, XXX% LTV, subject is a C1 XXX new build.. | 02/19/2025 | Document Uploaded. | 02/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| 7507670 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fees additions/increases: -A Doc Prep fee of $XXX was added to the final CD dated XX/XX/XXXX, as part of Services the Borrower Did Not Shop For. The file does not contain a valid COC for the addition of this fee. | Cure package provided to the borrower; Exception downgraded to a 2/B; Document Uploaded. | 02/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 7507670 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | B | A | A | C | B | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 7507584 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Credit | Missing letter of explanation | The file does not contain documentation to verify the borrower's type of business or the number of employees. Guideline section Twelve or Twenty-Four Month Bank Statement Program XXX. States an LOE from the borrower is required explaining their business name, what their business does, the number of employees, how it is set up (Incorporated, LLC, Sole Proprietor, etcetera) , and what they consider their income to be on a monthly basis. | Document Uploaded. LOEs received and cleared | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507584 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7507584 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A | Compliant | 01/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508295 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Compliant | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508295 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508295 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 3506887 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The earnest money deposit receipt is for $XXX received from XXX wires. However, a letter from the borrower States $XXX wire was kicked back. The final settlement Statement shows the earnest money is $XXX. Provide an earnest money deposit receipt which verifies the total funds held $XXX. Per GL's XXX Earnest money and Deposit | Asset Qualification Meets Guideline Requirements; Document Uploaded. emd receipt verified $XXX total. | 02/25/2025 | XXX% LTV, significant reserves after closing, subject is a C1 XXX new build | C | B | C | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 3506887 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2025 | Acknowledged | XXX | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The HOA questionnaire shows the Developer has not turned over control of the Association to the owners. HOA should be in control – project under Developer or Builder control will be considered on a case-by-case basis only. Provide an exception with XXX compensating factors. Per GL's XXX Eligibility Requirements | Ok per XXX for DSCR <XXX and XXX aspects for developer still in control, comp factors, XXX% LTV, significant reserves after closing, subject is a C1 XXX new build | 02/25/2025 | Document Uploaded. | 02/25/2025 | XXX% LTV, significant reserves after closing, subject is a C1 XXX new build | C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 3506887 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2025 | Acknowledged | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. Purchase of a XXX must have a DSCR of XXX or greater. Provide an exception with XXX compensating factors | Ok per XXX for DSCR <XXX and XXX aspects for developer still in control, comp factors, XXX% LTV, significant reserves after closing, subject is a C1 XXX new build | 02/25/2025 | Document Uploaded. | 02/25/2025 | XXX% LTV, significant reserves after closing, subject is a C1 XXX new build | C | B | C | B | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |
| 3506887 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/31/2025 | XXX% LTV, significant reserves after closing, subject is a C1 XXX new build | C | B | A | A | C | B | C | B | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | |||
| 7508184 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2025 | Resolved | XXX | Credit | Property Title Issue | Property Title Issue The subject was vested in a Trust. Provide the XXX and XXX, Trust, dated XX/XX/XXXX. | XXX Response: The trustees who signed the contract are specifically listed on title, XXX accepts this at face value that she can sign the contract. | 02/25/2025 | Property Title Issue Resolved; Document Uploaded. | 02/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 7508184 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508184 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508189 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/31/2025 | Resolved | XXX | Credit | Missing evidence of self employment | The self-employment letter from the borrower and the Individual Taxpayer Identification Number (ITIN) is not XXX evidence of Self Employment. Lender to provide verification of self employment per lender GLs. IX XXX Evidence of Self Employment. | Document Uploaded. CPA and CPA verification received and cleared | 02/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508189 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/31/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 01/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 7508189 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 01/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 66052406214400 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only. | 08/14/2024 | is Greater than the Guideline Minimum -. | Borrower has stable job time -. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 66052406214400 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only. | 08/14/2024 | is Greater than the Guideline Minimum -. | Borrower has stable job time -. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 66052406214400 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only. | 08/14/2024 | is Greater than the Guideline Minimum -. | Borrower has stable job time -. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 902411221995 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 12/11/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 902411221995 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 12/11/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 902411221995 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 12/11/2024 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411221699 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/20/2024 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii) ) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). TILA 130B Cure Required: Cure of $XXX required, cure package requires PCCD, LOX, copy of refund check, proof of delivery or valid coc. Title charges increased more than the aggregate plus XXX%. Lender's Title Policy increased from $XXX to $XXX and Notary fee increased from $XXX to $XXX. The loan file also failed to provide an SSPL. | Document Uploaded. Please see check / docs sent to borrower for cure. ; So are you saying the Total Refund is $XXX including the Title charges increased more than the aggregate plus XXX%. Lender's Title Policy increased from $XXX to $XXX and Notary fee increased from $XXX to $XXX.; Pls give me a Total for the Refund to Bwr; Document Uploaded. | 01/09/2025 | Cure package provided to borrower; Exception downgraded to a 2/B ; Correct, total aggregate fees, the tolerance violation above the aggregate XXX% is $XXX and cure will be needed. ; TILA 130B Cure Required: Cure of $XXX required, cure package requires PCCD, LOX, copy of refund check, proof of delivery or valid coc. Title charges increased more than the aggregate plus XXX%. Lender's Title Policy increased from $XXX to $XXX and Notary fee increased from $XXX to $XXX.; SSPL provided indicates the same provider as listed in the SSPL with a different address; confirm the borrower did shop and the change in location resulted in the change in fees or provide the cure if the borrower did not shop | 01/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 802411221699 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 12/23/2024 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 802411221699 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 12/23/2024 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 802411222279 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/20/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 12/23/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222279 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 12/23/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222279 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 12/23/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802410220763 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/20/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | Informational | 12/24/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802410220763 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/20/2024 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | Informational | 12/24/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802410220763 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/20/2024 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii) ) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). TILA 130B Cure Required - Refund in the amount of XXX for title charges that increase more than the aggregate plus XXX%. Cure package requires PCCD, LOX, copy of refund check proof of delivery or valid coc. The loan file is missing the SSPL causing title charges to be tested as XXX%. | Document Uploaded. | 12/24/2024 | SSPl provided; Exception resolved; SSPl provided; Exception resolved | 12/24/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 802410220763 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 12/23/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802410220763 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 12/23/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411221721 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Acknowledged | XXX | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% Per section XXX XXX guidelines require a minimum of XXX% of the borrower's own funds. Borrower received $XXX in gift funds, therefore, Borrower had XXX% of their own funds into the transaction. | Document Uploaded. | 12/27/2024 | Exception granted by lender- XXX on XX/XX/XXXX. Applicants contribution is $XXX vs $XXX%. Applicant has XXX vs XXX. | 12/30/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 802411221721 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Acknowledged | XXX | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. Per guidelines, gift funds are not allowed to be used towards reserves, as a result, the Borrower had insufficient personal funds available for reserves. | Document Uploaded. | 12/27/2024 | Exception granted by lender. Applicants contribution is $10k vs $XXX. Applicant has XXX vs XXX. | 12/30/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 802411221721 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii) ) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation is due to an increase in the following fees above the XXX% threshold, in addition to the SPL missing from the file: Settlement Fee from $XXX to $XXX on CD XX/XX/XXXX Endorsement Fee from $XXX to $XXX on CD XX/XX/XXXX | Document Uploaded. | 12/26/2024 | Received service provider list from the client dated within XXX days of initial for testing. Exception resolved.; Received service provider list from the client dated within XXX days of initial for testing. Exception resolved. | 12/27/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 802411221721 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 12/23/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | A | A | C | B | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 802411221611 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130B Cure Required - Cure of $XXX required for increase in Broker fees from $XXX to $XXX and Transfer taxes from $XXX to $XXX. Cure requires PCCD, LOX, copy of refund check, proof of delivery or valid coc. Loan file missing corresponding LE/CD issued XX/XX/XXXX for COC provided and SSPL. | Document Uploaded. ; Document Uploaded. | 01/03/2025 | Cure package provided to borrower; Exception downgraded to a 2/B; The disclosure dated within XXX days of the XX/XX/XXXX COC was not provided; the increase to the transfer taxes and broker fee are valid due to it not being disclosed within XXX day of the loan amount increase on XX/XX/XXXX. Cure of $XXX required or disclosure dated within XXX days of the COC to resolve | 01/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 802411221611 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required Missing Initial Closing Disclosure This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii) ) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than three business days before consummation. | Document Uploaded. | 12/24/2024 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 12/24/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 802411221611 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 12/23/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 802411221611 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 12/23/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 802408217743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2024 | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Missing CPA letter | sole owner no CPA letter required | 12/27/2024 | Borrower 1 CPA Letter Provided | 12/27/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 802408217743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 12/26/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802408217743 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/21/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 12/26/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411221476 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 12/26/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411221476 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 12/26/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411221476 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 12/26/2024 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411221314 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/30/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/02/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411221314 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/02/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411221314 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/02/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222464 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/03/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score of XXX exceeds max of XXX | We have XXX appraisals for this file so we don't need a third valuation. We already have XXX. thank you! | 01/07/2025 | Two appraisals were provided. Sufficient documentation for TPV requirements. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score of XXX exceeds max of XXX. | 01/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 802411222464 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/03/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222464 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2025 | Resolved | XXX | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing | HOA Questionnaire Provided | 01/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222464 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/03/2025 | Resolved | XXX | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $-XXX are less than Guideline Required Reserves of $XXX. | XXX Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222464 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | A | A | A | A | C | A | A | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411221650 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing | Document Uploaded. | 01/09/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX ( equals XXX) ; Received updated VOE dated XX/XX/XXXX. | 01/10/2025 | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 802411221650 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant | 01/08/2025 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 802411221650 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/08/2025 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 802411222390 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222390 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222390 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802412223103 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 01/22/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802412223103 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 01/22/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802412223103 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/17/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 01/22/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 902412222842 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | XXX Home Loan Test | This loan failed the XXX home loan test. (NC GS §XXX-11F(a) (XXX) ) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML non-compliant; therefore, unable to downgrade. Please provide evidence Borrower received Appraisal prior to XXX days of consummation. | Document Uploaded. | 01/30/2025 | Appraisal receipt provided, HPML compliant; Exception resolved | 01/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 902412222842 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML not compliant- Appraisal requirement not met | Document Uploaded. | 01/30/2025 | Appraisal receipt provided, HPML compliant; Exception resolved; Appraisal receipt provided, HPML compliant; Exception resolved | 01/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 902412222842 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/28/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (XX/XX/XXXX.XXX(c) (XXX) ) | Evidence of Appraisal Delivery to the Borrower Not Provided. | Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided. | 01/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 902412222842 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX) ) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX) ). Please provide evidence Borrower received Appraisal prior to XXX days of consummation. | Document Uploaded. | 01/30/2025 | Evidence of appraisal delivery provided. | 01/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 902412222842 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. | 01/30/2025 | Homeownership Counseling Disclosure Is XXX or XXX | 01/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 902412222842 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 01/30/2025 | Required Affiliated Business Disclosure Documentation Provided | 01/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 902412222842 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/24/2025 | Resolved | XXX | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Guidelines require a verification of existence of business within XXX days of closing or after. Please provide a VOE dated XX/XX/XXXX or later. | Document Uploaded. | 01/29/2025 | ATR: Current Employment Was Verified | 01/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 902412222842 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/24/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501223810 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/21/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML Compliant | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 802501223810 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/21/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130b Cure Required Refund in the amount of $XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in the Appraisal Fee on the Initial CD and no COC was found in the file explaining the reason for the increase. Please provide a Valid COC or Cure Package. | Document Uploaded. ; the coc on XXX/XXX clearly States change in appraisal fee. Why is this not acceptablle? | 02/28/2025 | Cure package provided to borrower; exception downgraded to a 2/B; Reviewed the rebuttal provided. Change in appraisal fee is not a valid reason for a non shoppable fee to increase. Please provide a valid COC with valid reason for the appraisal fee increase or cure package. | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 802501223810 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 02/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 802501223810 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/21/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 02/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 802501223820 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 02/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501223820 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 02/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501223820 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/21/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 02/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222194 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 02/25/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222194 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 02/25/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802411222194 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 02/25/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224300 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 02/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224300 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 02/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224300 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 02/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225010 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225010 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225010 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224421 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224421 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224421 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224402 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 802501224402 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | B | A | A | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 802501224402 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. CRSE in the file cites this exception and approval is granted. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 802501224402 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2025 | Acknowledged | XXX | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. CRSE in the file cites this exception and approval is granted. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | B | B | B | B | B | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 66052501224311 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Guidelines require a Lenders CRSE to accompany each file. Please provide a current CRSE for review. | Document Uploaded. | 03/10/2025 | Approval/Underwriting Summary is fully XXX | 03/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 66052501224311 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 66052501224311 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224880 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224880 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224880 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225345 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | XXX | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Provide the Credit Score Disclosure (FACTA). | Document Uploaded. | 03/12/2025 | FACTA Credit Score Disclosure is provided. | 03/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | B | B | A | B | B | A | A | B | A | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 802502225345 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | B | A | A | B | B | A | A | B | A | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 802502225345 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/07/2025 | Acknowledged | XXX | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months of reserves. XXX reserves of $XXX are less than guideline required reserves of $XXX. An exception has been granted in the file. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | B | B | B | B | B | A | A | B | A | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| 802502225097 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225097 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225097 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 66052501224700 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii) ) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). TILA 130 required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery. The Mortgage Recording fee increased on the CD issued XX/XX/XXXX without a valid reason. | Document Uploaded. ; Document Uploaded. The reason the fee changed is due to the APR change, etc... | 03/17/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B; APR change is not considered a valid reason for the increase in recording fees. cure required | 03/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | B | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 66052501224700 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Borrower checked that they do not intend to occupy the property as a primary residence. Please review and and send an updated XXX or an updated occupancy affidavit stating the property is not the primary residence. | Document Uploaded. | 03/14/2025 | The Final 1003 is XXX | 03/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| 66052501224700 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/10/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | B | A | A | D | A | A | A | C | B | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| 802502225231 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/13/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225231 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/13/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225231 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/13/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224788 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | HPML Compliant | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224788 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802501224788 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225331 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225331 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational Only | 03/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 802502225331 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 66052502224900 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The file is missing the Credit Risk Summary & Exception Report. Provide the Credit Risk Summary & Exception Report. | Document Uploaded. | 03/18/2025 | Approval/Underwriting Summary is fully XXX | 03/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 66052502224900 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational Only | 03/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 66052502224900 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational Only | 03/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000035309 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/30/2022 | Resolved | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 08/30/2022 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000035309 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/30/2022 | Resolved | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 08/30/2022 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 6000035309 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/30/2022 | Resolved | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a) (XXX) ) The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and met appraisal requirements. | HPML allowed per guidelines (ref. pg6 - Alt Doc Raw XX/XX/XXXX) – confirmed compliant with regulatory requirements.; | 08/31/2022 | HPML compliant with guidelines; Escrow established and appraisal recevied. | 08/31/2022 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000050096 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/22/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 11/25/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050096 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/22/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 11/25/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050096 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/22/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 11/25/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051228 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051228 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051228 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051228 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051288 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Document Uploaded. This was in the file. | 01/14/2025 | Documentation provided is sufficient. Exception resolved. | 01/15/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000051288 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/14/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051288 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/14/2025 | Borrower has stable job time - Borrower has XXX years on job. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051593 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051593 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051593 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051813 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051813 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051813 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/13/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050336 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050336 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050336 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051205 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051205 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051205 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051325 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051325 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051325 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/14/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051327 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | Missing Letter of Explanation (Income) | Missing executed XXX Business Narrative Form. | Not required on bank Statement loan, only P&L. | 01/17/2025 | Explanation provided is sufficient. Exception resolved.; Explanation provided is sufficient. Exception resolved. | 01/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 6000051327 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051327 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051466 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051466 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051466 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051522 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051522 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051522 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051800 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051800 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051800 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051536 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051536 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051536 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051786 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051786 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051786 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/17/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051151 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051151 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051151 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051442 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051442 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051442 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051705 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051705 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051705 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051847 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051847 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051847 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/20/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051250 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. Missing Exception Approval to allow DSCR to be below XXX. Loan program submitted on Loan Approval shows DSCR >=XXX%- <XXX%. DSCR calculation: $XXX lease amount/$XXX PITIA=.XXX DSCR. Pricing Matrix does not allow a XXX% LTV with a DSCR less than XXX on a Purchase transaction. Lender at XXX, but the PITIA was lower due to property taxes. | Document Uploaded. | 01/28/2025 | Documentation provided is sufficient. Exception resolved.; Qualifying DSCR meets Guidelines | 01/29/2025 | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000051250 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/23/2025 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 6000051250 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/23/2025 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 6000051608 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard Insurance is CA Fair Plan that only covers Fire, Lightning, Internal Explosion and smoke damage. Lender guidelines require, at a minimum, Wind, Civil Commotions, hail and damage by aircraft, and vehicle. | Document Uploaded. | 01/24/2025 | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully XXX | 01/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 6000051608 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051608 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051714 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051714 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051714 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051794 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 6000051794 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 6000051794 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/22/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 6000050302 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/24/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050302 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/24/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050302 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/24/2025 | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051237 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Missing escrow instructions which provides the final title policy information. | Document Uploaded. | 02/04/2025 | Documentation provided is sufficient. Exception resolved.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | B | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 6000051237 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051237 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | B | A | A | A | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051539 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | For inquiry: XX/XX/XXXX XXX. | Document Uploaded. This is on the credit report -XXX account (XXX) opened on XX/XX/XXXX | 01/27/2025 | Documentation provided is sufficient. Exception resolved. | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 6000051539 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051539 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051836 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051836 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051836 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/23/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/24/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051388 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051388 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051388 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051492 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property in the amount of $XXX located at XXX. | This property is vested in an LLC - per FannieMae- this is not required. | 01/28/2025 | Explanation provided is sufficient. Exception resolved. | 01/29/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 6000051492 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051492 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051715 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property has an Accessory Dwelling Unit (ADU). Appraiser did not comment if ADU's are typical, readily XXX, and common in the subject's market area, and did not include at least XXX comparable properties with similar accessory units (only XXX was included) , which is required per lender guidelines. | Document Uploaded. | 02/03/2025 | Documentation provided is sufficient. Exception resolved.; Property/Appraisal Meets Guidelines | 02/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 6000051715 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $ are less than Guideline Required Reserves of $XXX. Missing evidence of receipt of gift funds directly to the title company. $XXX gift receipt not provided, and $XXX gift receipt date of XX/XX/XXXX is after disbursement date of XX/XX/XXXX. Required per lender final loan approval. Final CD does not reflect receipt of any gift funds. | Document Uploaded. | 01/28/2025 | Documentation provided is sufficient. Exception resolved.; XXX Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 6000051715 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051944 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051944 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051944 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/24/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2060001311 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX) ) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX) ). | Document Uploaded. in the file | 01/29/2025 | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX) ). | 01/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2060001311 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2060001311 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050942 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050942 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050942 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050998 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050998 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000050998 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051655 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051655 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051655 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051710 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051710 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051710 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051791 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051791 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051791 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 6000051799 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/28/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 6000051799 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/28/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 6000051799 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/27/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/28/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2303084392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/20/2023 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 04/20/2023 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2303084392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2023 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 04/24/2023 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2303084392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2023 | Resolved | XXX | Credit | Housing history does not meet guidelines | Missing updated payment history from XXX (1st mortgage on subject) and XXX (reporting on credit) confirming XX/XX/XXXX payments paid prior to XX/XX/XXXX. Also, missing documentation from owner of XXX XXX (Borrower's current primary residence) confirming no monthly housing expense. | XXX - Exception approval provided but it was for the LTV, not the housing history; exception remains.; ; XXX - Received updated credit report showing XXX payment was made for the XXX and XXX mortgages. Still missing confirmation of ownership for the borrowers primary residence to confirm there is no housing expense; exception remains.; ; XXX - Confirmation the borrowers primary residence is in the name of the spouse only provided. | 05/02/2023 | Housing history meets guidelines; exception resolved. | 05/24/2023 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2303084392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2023 | Resolved | XXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX.; Lender used XXX of $XXX to qualify vs. Acutal Rents on Appraisal and Leases of $XXX. Per Section XXX of Guidelines, the lower of either s indicated on Lease Agreements or XXX must be used to qualify. Please provide most recent Leases and XXX months receipt of increased combined rental income supporting $XXX to use XXX. | XXX - Lease extension provided showing an increase in rent. Missing proof of reciept for XXX months of rent per guidelines; exception remains. ; XXX - Rebuttal provided showing that loan was No Ratio loan which allows for.XXX DSCR. ; Lender used XXX of $XXX to qualify vs. Acutal Rents on Appraisal and Leases of $XXX. Per Section XXX of Guidelines, the lower of either s indicated on Lease Agreements or XXX must be used to qualify. Please provide most recent Leases and XXX months receipt of increased combined rental income supporting $XXX to use XXX. | 04/27/2023 | Qualifying DSCR of XXX meets guideline requirement; exception resolved. | 05/02/2023 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2307093703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/05/2023 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 10/05/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2307093703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2023 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 10/06/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2307093703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2023 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 10/06/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2308097376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 09/26/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2308097376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 09/26/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2308097376 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 09/26/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2308097783 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/18/2023 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 10/18/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | D | A | A | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2308097783 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/19/2023 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 10/19/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | D | A | A | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2308097783 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/19/2023 | Resolved | XXX | Credit | Final Loan Application is Partial | Need corrected Section XXX of Final 1003. The private mortgage/expense information, through XXX, are not reflected for XXX and XXX properties. | XXX - Updated XXX provided | 10/26/2023 | Final Loan Application is XXX; exception resolved. | 10/26/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | D | A | D | A | D | A | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2310102423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2023 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 12/29/2023 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | D | B | A | A | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2310102423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2023 | Acknowledged | XXX | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX% is greater than the maximum allowable guideline LTV of XXX% based on a loan amount of $XXX and value used for LTV of $XXX. The subject loan is Interest Only, and the borrower's score is XXX. Both of these items allow for max LTV of XXX%. However, the subject is also a STR (Short Term Rental) which requires a XXX% reduction of the max. | XXX - Exception Approved for a XXX% LTV increase to XXX%, when guides State STR needs to be reduced to XXX% LTV due to compensating factors of reserves of at least XXX months and FICO of XXX. | 01/18/2024 | 01/18/2024 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | D | B | C | B | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2310102423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2023 | Acknowledged | XXX | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX% is greater than the maximum allowable guideline LTV of XXX% based on a loan amount of $XXX and value used for LTV of $XXX. The subject loan is Interest Only, and the borrower's score is XXX. Both of these items allow for max CLTV of XXX%. However, the subject is also a STR (Short Term Rental) which requires a XXX% reduction of the max. | XXX - Exception Approved for a XXX% LTV increase to XXX%, when guides State STR needs to be reduced to XXX% LTV due to compensating factors of reserves of at least XXX months and FICO of XXX. | 01/18/2024 | 01/18/2024 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | D | B | C | B | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| 2310102423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2023 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 12/29/2023 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | D | B | A | A | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| 2310102423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2023 | Resolved | XXX | Credit | Final Loan Application is Partial | Final Loan Application is Partial. The subject mortgage is a DSCR loan. While GLs (Sect XXX) allow for commercial loans to be excluded from REO, the borrower owns XXX additional SFRs as an individual that are not included on the Final 1003. There are also multiple automatice debits for mortgage payments that are not accounted for on the application. Additionally, documents in the file, including a wire on his bank account Statement and a XXX% access letter, indicate the borrower was buying another property on XXX through the subject lender (ln# XXX). These items could have a material impact on the borrower's assets and should be disclosed. Lender to provide an updated Final 1003. | XXX - Updated XXX provided | 01/18/2024 | Final Loan Application is XXX; exception resolved. | 01/18/2024 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | D | B | D | A | D | B | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| 2312105639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 01/19/2024 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2312105639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 01/19/2024 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2312105639 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 01/19/2024 | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2312105863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | 01/26/2024 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | D | A | A | A | D | A | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2312105863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/24/2024 | Resolved | XXX | Credit | Final Loan Application is Missing | Final loan application is Missing | XXX - Received fully executed Final 1003. Exception Resolved. | 01/29/2024 | Final loan application is XXX | 01/29/2024 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | D | A | D | A | D | A | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2312105863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/24/2024 | Resolved | XXX | Credit | Note Document Indicator is Missing | Note document indicator is Missing | XXX - Received d XX/XX/XXXX executed by all partied - Exception Resolved. | 01/29/2024 | Note document indicator is XXX | 01/29/2024 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | D | A | D | A | D | A | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2312105863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2024 | Resolved | XXX | Credit | Prepayment Penalty Indicator is Missing | Prepayment Penalty Indicator is Missing; Prepayment Penalty Indicator is Missing. The Lender approval reflects a PPP for business purpose loan. The Note and PrePay Addendum are both missing. | XXX - Received Fully Executed Pre-Payment Addendum to Note. Exception Resolved.; | 01/29/2024 | Prepayment Penalty Indicator is received. | 01/29/2024 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | D | A | D | A | D | A | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2312105863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2024 | Resolved | XXX | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The file is missing the GL (Section XXX) required Personal Guarantees and Borrowing Certificates for both borrowers signing as members of the borrowing LLC. | XXX - Received fully executed Personal Guaranty for LLC. Exception Resolved. | 01/29/2024 | The borrower income verification does match approval | 01/29/2024 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | D | A | C | A | D | A | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2312105863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2024 | Resolved | XXX | Compliance | Purchase Contract does not Match Final CD | The subject loan is ATR Exempt, so no Final CD is required. However, the file is missing a Settlement Statement to compare with the purchase contract. Truth in Lending Act (Regulation Z) XX/XX/XXXX.XXX(a) (XXX) (vii) | XXX - Final settlement Statement provided | 01/30/2024 | The final CD does reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) ; XX/XX/XXXX.XXX(a) (XXX) (vii) ; exception resolved. | 01/30/2024 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | D | A | B | A | D | A | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2312105863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2024 | Resolved | XXX | Compliance | Originator NMLS Status is Not Found | The Originator NMLS status is Not Found. Please provide valid NMLS credentials for XXX. | XXX - Per client rebuttal, This one is a business loan in a State that does not require the LO to have an NMLS # (broker is a commercial broker). | 01/30/2024 | The Originator NMLS status is not required; exception resolved. | 01/30/2024 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | D | A | C | A | D | A | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2312105863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/24/2024 | Resolved | XXX | Compliance | Security Instrument Indicator is Missing | The security instrument indicator is Missing | XXX - Received fully executed Security Insturment. Exception Resolved. | 01/29/2024 | The security instrument indicator is XXX | 01/29/2024 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. | D | A | D | A | D | A | A | A | D | A | C | C | A | C | D | D | A | D | C | C | A | C | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2311104096 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2024 | Acknowledged | XXX | Property | Property has been listed for sale in the past XXX months | The appraisal verifies the property was purchased XXX/XXX, which is less than XXX months. An approved exception is in file for cash out on property with seasoning less than XXX months approved. Property is rented since XXX/XXX and was purchased XXX/XXX, lease agreement obtained, using only the XXX for DSCR. Loan amount limited to $100K. Compensating factors are XXX FICO, experienced investor, and XXX. | is Greater than the Guideline Minimum - Batch update | B | B | B | B | A | A | B | B | A | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | B | A | ||||
| 2401108185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2407123514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/13/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Lowest score XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2407123514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Lowest score XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2407126151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2024 | Resolved | XXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2407126151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/06/2024 | Resolved | XXX | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2408127266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2024 | Resolved | XXX | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Missing actual policy. There is only a quote and binder in file. See pages XXX & XXX. | Also, please see page XXX of latest appraisal, Cost Approach section, which shows replacement cost is $XXX. With this and our guidelines, minimum coverage is $XXX. Coverage on policy exceeds minimum. Are we able to use the replacement cost on the appraisal?; Please confirm: the original issue with the type of documentation is now satisfied, however, still need increased coverage amount to clear this? "Exception remains" comment makes it seem like the original exception is still an issue, so just want to make sure that increased coverage will clear this up. ; Coverage documentation provided showing $XXX.; Document Uploaded. | 09/10/2024 | Original exception for Missing Hazard Insurance policy has been resolved and a new exception generated for insufficient coverage being in existence. Following the steps prescribed by GLs page XXX, with the UPB (Note amount) of $XXX and RCE of $XXX, XXX% of the RCE, or $XXX, is calculated to be used as the Required Coverage amount.; Additional documentation provided; exception remains. ; Hazard Insurance Policy is fully XXX | 09/16/2024 | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2408127266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2024 | Resolved | XXX | Credit | XXX CLTV Exceeds Guideline CLTV | XXX CLTV of XXX% exceeds Guideline CLTV of XXX% | XXX CLTV of XXX% is less than or equal to Guideline CLTV of XXX% | 09/16/2024 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2408127266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2024 | Resolved | XXX | Credit | XXX HCLTV Exceeds Guideline HCLTV | XXX HLTV of XXX% exceeds Guideline HCLTV of XXX% | XXX HLTV of XXX% is less than or equal to Guideline HCLTV of XXX% | 09/16/2024 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2408127266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2024 | Resolved | XXX | Credit | XXX LTV Exceeds Guideline LTV | XXX LTV of XXX% exceeds Guideline LTV of XXX% | XXX LTV of XXX% is less than or equal to Guideline LTV of XXX% | 09/16/2024 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2408127266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2024 | Resolved | XXX | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required | Lender provided updated RCE iso $XXX.; Document Uploaded. ; Please see page XXX of latest appraisal, Cost Approach section, which shows replacement cost is $XXX. With this and our guidelines, minimum coverage is $XXX. Coverage on policy exceeds minimum. Are we able to use the replacement cost on the appraisal? | 09/16/2024 | Hazard Insurance coverage meets guideline requirement; Additional documentation provided; exception resolved. ; Additional information provided; exception remains. Lender questioned if use of the Appraisal in file's Cost Approach value could be used to calculate the amount of required property insurance coverage required. This is not allowed as Lender guidelines section XXX specify that the insurable value of the improvements be established by the property insurer. Following the steps prescribed by GLs page XXX, with the UPB (Note amount) of $XXX and RCE of $XXX, XXX% of the RCE, or $XXX, is calculated to be used as the Required Coverage amount.; Hazard Insurance coverage of $XXX is less than required coverage required Coverage amount of $XXX is less than the RCE value of $XXX. | 09/16/2024 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2408127266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2024 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements B1 States he owns property located at XXXbut there is no documentation in file verifying this. B2 sold her primary residence at XXX in XXX, XXX to one of her other children in XXX XXX. The property was owned by B2 for over XXX years verified with credit report page XXX. B2 meets the requirement as an Inexperienced Investor. B1 has no mortgages listed on credit report and has not provided a minimum XXX year housing history on the Final 1003. LOE in file for B2 in reference to housing history but is not signed and dated. | Housing History Meets Guideline Requirements | 09/16/2024 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2408127266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2024 | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | 09/16/2024 | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2408127266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2024 | Resolved | XXX | Property | Appraisal is Expired | Primary Value Appraisal is Expired 1004D page XXX dated XX/XX/XXXX verifying the value of $XXX has not changed since primary value on XX/XX/XXXX. Meets LSM appraisal guidelines for recertification. | Lender submitted 1004D to update and verify that the Subject Property has not declined in Market Value, and essentially extends the time for which the original appraisal is in force.; Document Uploaded. ; Document Uploaded. | 08/30/2024 | Additional documentation provided; exception resolved. ; Additional documentation provided; Exception remains outstanding. Lender provided a 1004D to recertify the value from XX/XX/XXXX/XXX/XXX that was outside the XXX day maximum limit per GLs. CCA XXX in file dated XX/XX/XXXX does not fulfill guideline requirements. Exception remains outstanding pending receipt of a new appraisal report as required by guidelines after XXX days. | 09/16/2024 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2408127266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2024 | Resolved | XXX | Credit | XXX Reserves are less than Guideline Required Reserves (Dollar Amount) | XXX Reserves of $XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. | 08/29/2024 | Additional Documentation provided; Exception resolved. | 09/16/2024 | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2409132305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/22/2024 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per Guidelines, the housing payment history for a credit grade of A+ must be XXX. The subject loan closed on XX/XX/XXXX and the rental payment history via XXX Payments/Canceled Checks was documented only through XXX/XXX. Please provide additional documentation verifying the XXX/XX/XX/XXXX/XXX payments. | Document Uploaded. ; Exception not resolved. Oct Rental payment is not uploaded as Stated it shows XX/XX/XXXX on check. The back shows XX/XX/XXXX. Please provide additional documentation verifying the XXX/XX/XX/XXXX/XXX payments.; Document Uploaded. ; Lender provided documentation that suffices for the XXX/XXX payment but the VOR is signed XX/XX/XXXX which leaves a window where the XXX/XXX payment may not have been made yet. Additionally, the VOR in file referenced in Lender's rebuttal is marked showing the account as unsatisfactory.; Document Uploaded. | 12/20/2024 | Housing History Meets Guideline Requirements; ; ; Additional documentation provided; exception remains. | 12/31/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2409132305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/22/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 11/25/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2409132305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/22/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2410134045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2024 | Resolved | XXX | Credit | Borrower 1 Executed XXX-T Missing | Borrower 1 Executed XXX-T Missing Missing XXX-T required by guidelines. | Document Uploaded. | 12/05/2024 | Borrower 1 Executed XXX-T Provided | 12/30/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2410134045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2024 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements | Document Uploaded. | 12/30/2024 | Housing History Meets Guideline Requirements; Additional documentation provided; exception resolved. | 12/30/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2410134045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2410135929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2024 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of HOA dues or letter stating there are no HOA dues for the Borrower’s departure residence. | uploaded | 11/27/2024 | LOE received verifying no HOA. | 12/02/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2410135929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | 11/20/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 2410135929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 2410135960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/06/2024 | Cured | XXX | Compliance | Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate XXX | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate XXX Title report shows the same lender. Lender should have used the H-XXX form as loan is new money cash out XXX transaction. | Document Uploaded. | 12/23/2024 | Updated right to cancel provided in person, borrower signed in person. Exception cured | 12/23/2024 | Borrower has stable job time - Borrower has XXX years on job. | C | B | B | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2410135960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/06/2024 | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant and allowed per lender guidelines, therefore downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 12/15/2024 | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2410135960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/06/2024 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i) ) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. ; Hi, Can you provide list of fees for the GFE Variance please | 12/13/2024 | Valid COCs provided; Exception resolved; Valid COCs provided; Exception resolved; he zero tolerance violation in the amount of $XXX is due to increase in discount points from $XXX on the LE date XX/XX/XXXX to $XXX on the initial CD dated XX/XX/XXXX. The file did not contain a COC for this increase; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX on the LE date XX/XX/XXXX to $XXX on the final CD dated XX/XX/XXXX for the discount point fee. | 12/15/2024 | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 2410135960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/06/2024 | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML Compliant and allowed per lender guidelines, therefore downgraded to grade A. This loan failed the XXX higher-priced mortgage loan test. (XXX XXX XXX(XXX) , XXX XX(XXX) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 12/15/2024 | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||
| 2410135960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 2410135960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 66052409218146 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 1/13/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802412223655 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for transactions with cash out amounts greater than $XXX | XXX/XXX: CRSE | XXX: Received exception approval | 2/7/2025 | FICO XXX, XXX , XXX | C | B | C | B | C | B | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |
| 802501223719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/5/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 2/5/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/14/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 2/14/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 66052501223887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/24/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 2/24/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/26/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 2/26/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 2/28/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 2/28/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/4/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 3/4/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/4/2025 | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance is missing ISAOA/ATIMA verbiage in the mortgagee clause after lender name. | XXX/XXX: Hazard | XXX: Received | 3/7/2025 | C | B | C | A | C | B | C | A | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | ||
| 802501224696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/4/2025 | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for transactions with <XXX DSCR | XXX/XXX: CRSE | XXX: Received | 3/7/2025 | FICO XXX, XXX , XXX | C | B | C | B | C | B | C | A | N/A | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | C | C | C | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | B | B | A | N/A | |
| 802501224156 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/4/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 3/4/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/5/2025 | Resolved | XXX | Credit | Title Insurance Missing or Defective | Preliminary title report in file is MISSING MORTGAGEe clause after lender's name and loan policy amount. Please provide title supplement or commitment with mortgagee clause and coverage amount | XXX/XXX: Title | XXX: Received | 3/7/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/6/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 3/6/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802502224902 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/7/2025 | Resolved | XXX | Credit | Credit Report Aged | XXX days age of credit report > XXX max days allowed. Please provide updated credit report For Guarantor XXX : XXX XXXXX | XXX/XXX: Uploaded AOMS credit report for B2. | XXX: Received updated credit report | 3/13/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/11/2025 | Resolved | XXX | Credit | Closing Documentation Missing or Defective | Missing Executed Mortgage Document | XXX/XXX: Uploaded the CD, Note, and Mortgage in one PDF. | XXX: Received executed Mortgage | 3/13/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/11/2025 | Resolved | XXX | Credit | Note Missing or Defective | Missing Executed Note Document | XXX/XXX: Uploaded the CD, Note, and Mortgage in one PDF. | XXX: Received executed Note | 3/13/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/11/2025 | Resolved | XXX | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing Excuted Settelement Statement | XXX/XXX: Uploaded the CD, Note, and Mortgage in one PDF. | XXX: Received Closing Disclosure | 3/13/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224735 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/11/2025 | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for property located at: XXX | XXX/XXX: CDA | XXX: Received | 3/17/2025 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/13/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 3/13/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802501224550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 3/18/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 3/18/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802407215960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/12/2024 | Resolved | XXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX/XXX: Deed | XXX: Received deed | 9/16/2024 | D | A | D | A | D | A | C | A | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802407215960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/12/2024 | Resolved | XXX | Property | Ineligible Project – Litigation | Project is currently in active litigation, which is generally ineligible per guidelines. The litigation raises development and building defects and deficiencies for correction | XXX/XXX: Lender approval | XXX: Received lender acceptance of litigation XXX: TPR can clear this finding once we receive evidence that the lender is okay with this litigation | 9/17/2024 | D | A | C | A | D | A | C | A | N/A | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | D | D | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802409218442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2024 | Resolved | XXX | Credit | Background Check Missing or Defective | Missing background check for borrower XXX to ensure there have been no major credit events against the borrower. | XXX/XXX: uploaded | XXX: Received | 11/4/2024 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802409218442 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2024 | Resolved | XXX | Credit | Credit Report Missing or Defective | Missing credit report for Borrower: XXX | XXX/XXX: uploaded | XXX: Received | 11/4/2024 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 902411221193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2024 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 12/11/2024 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802411222202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/6/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 1/6/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802409218319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/19/2024 | Resolved | XXX | Credit | Asset Documentation Aged | Asset documentation for XXXXX XXX retirement account and XXX HELOC account has aged past guideline requirements. Please provide updated asset documentation with the earliest Statement date of XX/XX/XXXX | XXX/XXX: updated Statements | XXX: Received updated asset Statements | 1/9/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802410221162 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/3/2025 | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for property located at: XXX | XXX/XXX: Per Freddie Mac no other Review is req'd | XXX: Received | 1/8/2025 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802411222252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/14/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 1/14/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802412222689 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/17/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 1/17/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802412223004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/20/2025 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 1/20/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 802411222416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/29/2025 | Acknowledged | XXX | Property | Subject Property Lease - Missing or Defective | Missing proof of XXX months rent receipts to use leased rent in DSCR calculation. Using market rent grants DSCR of.XXX which doesn't allow for XXX% LTV for cash out transaction. | XXX/XXX: Uploaded subject Lease, proof of XXX months receipt of lease amt, and CRSE for exception for using lease amt for DSCR vs appraisal with XXX months receipt vs XXX months. | XXX: Exception approval for rent receipts received | 2/5/2025 | FICO XXX, XXX , XXX | D | B | D | B | A | A | D | B | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | |
| 1010003066 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/15/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1010003066 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 1010003066 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 01/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2830002612 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Credit | Trust/POA Does Not Meet Guideline Requirements | Power of XXX (POA) does not include an expiration date. Required per guidelines. | Document Uploaded. POA | 01/21/2025 | Received POA with an expired date of XX/XX/XXXX. Exception Resolved. | 01/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| 2830002612 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Informational | 01/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 2830002612 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 01/16/2025 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 01/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 4000047938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2024 | Resolved | XXX | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing ok to use appraisal for HOA fees | Document Uploaded. | 09/25/2024 | HOA Questionnaire Provided | 11/14/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000047938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2024 | Resolved | XXX | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. | Lender provided Post Disaster Inspection report indicating no damages Post disaster.; Document Uploaded. | 11/14/2024 | Additional documentation provided; exception resolved.; Property Inspection Provided. | 11/14/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000047938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2024 | Resolved | XXX | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared | Document Uploaded. I have attached a Fraud Guard with an OFAC(Page XXX-XXX) run imbedded into it. Borrower is a XXX and usually no results will come up. ; Document Uploaded. | 09/27/2024 | Additional information provided; Exception Resolved.; Additional documentation provided; Exception Remains. Per XXX guidelines: Parties to the transaction must also be cleared through OFAC’s SDN List (borrowers, property sellers, employers, banks, etc.) Please provide an OFAC search of all parties involved in the loan transaction. | 11/14/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000047938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2024 | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | C | A | D | A | A | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000047946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Please provide the complete fraud report for both borrowers. | Document Uploaded. | 10/30/2024 | Third Party Fraud Report is provided | 11/15/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000047946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 10/30/2024 | Required Affiliated Business Disclosure Resolved; Affiliated attestation provided; Exception resolved | 11/15/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | B | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000047946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | XXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing | This is a two note construction, RTC not required. | 11/14/2024 | Construction loan, RTC is NA. Exception resolved.; Right of Rescission is Provided | 11/15/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000047946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test. Closed-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX) ) , Open-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXX CFR §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. Documentation required: Exception due to missing Right to Cancel Notice. | This is a two note construction, RTC not required. | 11/14/2024 | Construction to perm loan, RTC is NA. Exception resolved. | 11/14/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000047946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii) ) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the lender's title policy. | Document Uploaded. | 11/11/2024 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 11/12/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000047946 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2024 | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000054939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2024 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 12/18/2024 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000056749 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2024 | Resolved | XXX | Credit | No Findings | The loan meets all applicable guidelines | XXX/XXX: Clear | XXX: Clear | 12/17/2024 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000052555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | CLOSING DISCLOSURE/SETTLEMENT StateMENT MISSING OR DEFECTIVE | MISSING PRELIMINARY HUD | XXX: RECEIVED | 10/24/2024 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000052555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Property | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXX: RECEIVED | 10/24/2024 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000052555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | SUBJECT PROPERTY LEASE - MISSING OR DEFECTIVE | MISSING RENT REVIEW OR LEASE AGREEMENT | XXX: RECEIVED | 10/24/2024 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000052555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES IN POST-CLOSE REVIEW | D | A | A | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT. PROVIDE EVIDENCE OPERATING AGREEMENT IS NOT REQUIRED OR PROVIDE OPERATING AGREEMENT | XXX: RECEIVED | 11/18/2024 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | CREDIT REPORT MISSING OR DEFECTIVE | MISSING CREDIT REPORT | XXX: RECEIVED | 11/18/2024 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | INSUFFICIENT ASSETS TO CLOSE | $XXX LIQUIDITY < $XXX MINIMUM REQUIRED. | XXX: RECEIVED | 11/26/2024 | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Property | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXX: RECEIVED | 11/25/2024 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | CLOSING PROTECTION LETTER MISSING OR DEFECTIVE | MISSING CLOSING PROTECTION LETTER | XXX: RECEIVED | 11/19/2024 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Property | FLOOD CERT OR EVIDENCE NOT IN A FLOOD ZONE MISSING | MISSING FLOOD CERTIFICATE | XXX: RECEIVED | 11/25/2024 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | TITLE INSURANCE COVERAGE - INXXX COVERAGE | $XXX TITLE INSURANCE COVERAGE < $XXX MINIMUM REQUIRED. | XXX: RECEIVED | 11/18/2024 | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | PAYOFF StateMENT MISSING OR DEFECTIVE | MISSING PAYOFF StateMENT | XXX: RECEIVED | 11/18/2024 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Property | HAZARD INSURANCE MISSING OR DEFECTIVE | INSUFFICIENT HAZARD INSURANCE. PROVIDED HOI PREMIUM REFLECTS YEARLY PREMIUM OF: $XXX AND: $XXX. PROVIDE UPDATED HAZARD INSURANCE RECONCILING HAZARD INSURANCE PREMIUM DIFFERENCE | XXX: RECEIVED | 11/18/2024 | D | A | C | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING SOCIAL SECURITY NUMBER | XXX: RECEIVED | 11/19/2024 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000056514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | MISSING FIRST PAYMENT LETTER | XXX: RECEIVED | 12/10/2024 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000055807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE | MISSING VERIFICATION OF MORTGAGE | XXX: RECEIVED | 11/24/2024 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000055807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 1/13/2025 | Resolved | XXX | Credit | CLOSING DOCUMENTATION MISSING OR DEFECTIVE | MISSING LOAN AGREEMENT | XXX: RECEIVED COMMENT FROM LENDER REFLECTING NO LOAN AGREEMENT AVAILABLE | 12/7/2024 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000053978 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2024 | Resolved | XXX | Credit | Sales Contract Missing or Defective | Missing purchase contract for property located at: XXX | XXX: contract | 11/18/2024 | XXX: Received purchase contract. | 11/19/2024 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000048869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000051961 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/3/2024 | Acknowledged | XXX | Property | MisreXXXation of the Physical Characteristics | Subject property is a fully detached XXX family dwelling, appraised as XXX unit | XXX: NQM exception approval in file. | 12/3/2024 | XXX: NQM exception approval received. | 12/3/2024 | Fico XXX+ points greater than program requirement, XXX greater than program requirement | C | B | C | B | A | A | C | B | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A |
| 4000056208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/3/2024 | Resolved | XXX | Property | Ineligible Property | Subject property is located in a rural area | XXX: NQM exception approval in file. | 12/3/2024 | XXX: Rescind. Subject's location is suburban. XXX: NQM exception approval received. | 12/19/2024 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000053982 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 92010158206 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/20/2024 | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||||
| 2407126502 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/11/2024 | Cleared | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||||
| 2409131415 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/26/2024 | Cleared | XXX | Credit | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no mortgagee clause and coverage amount. Please provide a title supplement or updated title insurance to meet guideline requirements. | Title Commitment uploaded | 12/04/2024 | XXX: Received title commitment policy | 12/05/2024 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 2410135907 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/10/2024 | Cleared | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||||
| 2410135393 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/13/2024 | Cleared | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||||
| 2410134604 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/17/2024 | Cleared | XXX | Credit | No Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||||
| 2023050005 | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/14/2023 | Cleared | XXX | Credit | Minimum DSCR | XXX DSCR < XXX minimum required for an Investor Connect product. Using XXX of $XXX and PITIA of $XXX | XX/XX/XXXX - The DSCR was calculated per guidelines utilizing the XXX information and as denoted on the final XXX. The XXX documentation has been uploaded to Box and attached to trailing docs. | 6/15/2023 | XXX: Received XXX data to convert to short term rental, DSCR passes | 06/15/2023 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||