Exhibit 99.32
| Exception Detail |
| Run Date - 05/28/2025 2:03:42 PM |
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | Exception | Exception Detail | Exception Information | Exception Remediation | Compensating Factors | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Final Loan Grade | Compliance Initial Loan Grade | Compliance Final Loan Grade | Property Initial Loan Grade | Property Final Loan Grade | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 1431768 | XXXX | XXXX | 6950863 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Exception XX% XXX as borrower is XXXXX time homebuyer with no housing history, lives rent free | exception granted: over XX% XXX, XXXXX time homebuyers, with $XX,XXX reserves. XX business for X years as XXXX XXX. XXXX XXXX in business for X years | 09/09/2022 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1431768 | XXXX | XXXX | 6951027 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | Borrower XXXX XXXXX XXXX to supply satisfactory XXXX XXXXX | received | 10/27/2022 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1431768 | XXXX | XXXX | 6951028 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | Borrower XXXX XXXXX to supply satisfactory XXXX XXXXX | received | 10/27/2022 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1431768 | XXXX | XXXX | 6951044 | 434 | XXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | X months reserves to be documented for XX days within XX days of closing X/XX | received | 12/06/2022 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1431768 | XXXX | XXXX | 6947795 | 902 | XXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | information provided | 01/26/2023 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||||
| 1431768 | XXXX | XXXX | 7058841 | 1061 | XXXX | Compliance | Compliance | Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation | 02/01/2023 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||||
| 1631547 | XXXXXX | XXXXXX | 7127335 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Borrower FICO 653 does not meet minimum FICO 660 for cash out refinance | Exception granted: Low LTV of 33% well below maximum LTV of 75%, All consumer credit paid as agreed, Stable employment likely to continue, as Borrower has been on her current job for 2.7 years, Residual income $2500 | 12/04/2024 | B | 2 | XXXX | MA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1631547 | XXXXXX | XXXXXX | 7127336 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Borrower does not have payment history for primary residence | Exception granted: Low LTV of 33% well below maximum of 75%, All consumer credit paid as agreed, Stable employment likely to continue as Borrower has been on her current job 2.7 years, Residual income $2500 | 12/04/2024 | B | 2 | XXXX | MA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1631553 | XXXXXX | XXXXXX | 7127345 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Exception required to allow for a mixed use property. | Compensating Factors: Stable residence (10 yrs.); Stable self-employment (since 1965); good residual income ($14K+). | 12/04/2024 | B | 2 | XXXX | RI | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1631592 | XXXXXX | XXXXXX | 7127419 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing Senior Management Approval for being an ITIN transaction. Please provide Senior Management Approval. | received Sr management approval for ITIN loan/ Compensating Factors - LTV 50%, seasoned homeowner, no derogatory, score 707, reserves $168K | 12/23/2024 | A | 1 | XXXX | IL | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1631598 | XXXXXX | XXXXXX | 7127303 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Rural property requires management approval. | Compensating Factors: In file since 2006; Assets after close $57,210; Residual $14910; good job time and residence time; good mortgage history. | 12/06/2024 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633637 | XXXXXX | XXXXXX | 7131087 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Updated 1003/clarification required. The 1003 reflects Borrower is unmarried; however, LOE in file states husband pays the GM account. If Borrower recently divorced? Decree may be required. | Received LOE/ payor is ex-boyfriend. Account is joint and payor has provided 24 months payments made to GM | Client 01/14/2025 03:19 PM; Hi, borrower is not married and has not been married. XXXX document stating the husband makes the payment is labeled incorrectly, it is another party making the payments, not her husband. XXXX Reviewer 01/15/2025 11:19 AM; Provide updated XXXX identifying relationship of persona paying XXX account if not husband as originally stated. Reviewer 01/15/2025 11:19 AM; Provide updated XXXX identifying relationship of persona paying XXX account if not husband as originally stated. Reviewer 01/15/2025 11:19 AM; Provide updated XXXX identifying relationship of persona paying XXX account if not husband as originally stated. |
02/03/2025 | A | 1 | XXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1633637 | XXXXXX | XXXXXX | 7131088 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | All rural properties require Senior Management approval. | Compensating Factors: 2 mortgages paid AA; credit reporting for 10+ years with 0 lates; putting down $153k of own funds. | 12/11/2024 | B | 2 | XXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633660 | XXXXXX | XXXXXX | 7131127 | 205 | XXXX | Credit | Hazard Insurance | Hazard Insurance - property address is incorrect. | XXXX XXXXX XXXXXX did not reflect the unit number as part of the subject property address. XXXX evidence property address unit is covered. | Information provided | Client 02/19/2025 10:52 AM; Hi, the subject address property address and unit number appearing on the master policy is requested, but not required at the underwriter's discretion. XXXX Reviewer 02/19/2025 11:09 AM; Reviewer 02/19/2025 12:25 PM; Hello
 XXXXX has been waived.
 
 XXXX |
02/20/2025 | A | 1 | XXXX | FL | 2 | 1 | C | A | C | A | A | A | C | A | Non-QM | 1 | ||||||
| 1633660 | XXXXXX | XXXXXX | 7131129 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX XXXX schedule | REO XXXXX provided. | 02/19/2025 | A | 1 | XXXX | FL | 2 | 1 | C | A | C | A | A | A | C | A | Non-QM | 1 | |||||||
| 1633660 | XXXXXX | XXXXXX | 7131130 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX evidence mortgage with XXXXXX includes escrows for primary residence at XXXXX XXXXX XXXXX with XXXX monthly of XXXX for total housing XXXX | Mortgage statement provided. | 02/19/2025 | A | 1 | XXXX | FL | 2 | 1 | C | A | C | A | A | A | C | A | Non-QM | 1 | |||||||
| 1633660 | XXXXXX | XXXXXX | 7131131 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX evidence mortgage with XXXX bankxXXXX XXXXX includes escrows for second home at XXXX XXXXX XXXXX with XXXX monthly of XXXX for total housing XXXX | HOI, XXXX bill, XXXX XXXXX and mortgage statement provided. | 02/19/2025 | A | 1 | XXXX | FL | 2 | 1 | C | A | C | A | A | A | C | A | Non-QM | 1 | |||||||
| 1633706 | XXXXXX | XXXXXX | 7131999 | 386 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Documents Expired | XXXX XXXXX XXXXXX XXXXXX expires XXX days as of date of the loan closing. XXXX XXXX needed as date of XXXX is XXXX and XXXX XXXXX days | Received updated XXX | 02/13/2025 | A | 1 | XXXX | NC | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633706 | XXXXXX | XXXXXX | 7132000 | 447 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXX provide current operating agreement verifying percentage of ownership and current business license verifying at least XX years self-employed. XXXXX is in lieu of XXXX XXXXX to identify the name of the business, the length of time in business (must be a minimum of XX years), and the current members/owners and their respective ownership percentages will be acceptable. XXXX operating agreement verifying percentage of ownership and current business license verifying at least XX years self-employed | Borrower is a self-employed eBay trader. XXX months XXXX statements show XXXX year self-employment and match XXXXX XXX eBay dashboard provided from borrower showing currently active. XXXX confirms borrower does business under their own name and therefore XXXXX owner. | Client 02/13/2025 05:51 PM; Borrower is a self employed eBay trader. XXX months XXXX statements show XXXX year self employment and match XXXXX XXX eBay dashboard provided from borrower showing currently active. XXXX confirms borrower does business under their own name and therefore XXXXX owner. Reviewer 02/13/2025 06:28 PM; Condition has been reviewed. XXX |
02/13/2025 | A | 1 | XXXX | NC | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1633706 | XXXXXX | XXXXXX | 7132001 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX for cash out on XXXX residence XXX | COMPENSATING XXXXX XXXXX residence XXXX years – no delinquency), stable self-employment XXXXX XXXX | 01/24/2025 | B | 2 | XXXX | NC | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633706 | XXXXXX | XXXXXX | 7132002 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX requirement to use cash out proceeds for reserves is XXXX XXXXX XXXXX XXXX | COMPENSATING XXXXX XXXXX residence XXXX years – no delinquency), stable self-employment XXXXX XXXX | 01/27/2025 | B | 2 | XXXX | NC | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633707 | XXXXXX | XXXXXX | 7132003 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Management approval required for borrower with zero mortgage history in the past 12 months as required per guidelines | Management approval in file. Compensating factors are 1) Home ownership since 2003 with a primary residence owned free and clear, 2) All consumer is paid as agreed with the exception of two 30 days late on 1 account from 9/2021 3) No outstanding other debt | 11/18/2024 | B | 2 | XXXX | MI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633707 | XXXXXX | XXXXXX | 7132004 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Management approval required for a 2023 income tax extension | Management approval in file. Compensating factors are 1) Home ownership since 2003 with a primary residence owned free and clear, 2) All consumer is paid as agreed with the exception of two 30 days late on 1 account from 9/2021 3) No outstanding other debt | 11/18/2024 | B | 2 | XXXX | MI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633707 | XXXXXX | XXXXXX | 7132005 | 434 | XXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | Management exception approval for post-closing PITI reserves of under 6 months for a loan amount under $1,5 million. Final verified assets are $58,610.33 comprised of $31,070.99 XXXX ($48,070.99 balance - $17,000.00 unsourced deposit 9/30/24) and $27,000.00 Gift Funds. Final CD requires cash to close of $51,412.78. Post-closing assets would be $7,197.55 which is the equivalent of 4.34 months which is short $2,746.43 in reserves to meet the guideline required six months reserves of $9,943.98 ($1,657.33 * 6 months) | received management approval for reserves less than 6 months/ Compensating factors are 1) Home ownership since 2003 with a primary residence owned free and clear, 2) All consumer is paid as agreed with the exception of two 30 days late on 1 account from 9/2021 3) No outstanding other debt | 11/19/2024 | A | 1 | XXXX | MI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633735 | XXXXXX | XXXXXX | 7132076 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX history XXXXXXX XXXXX XXXX has approved no current mortgage history on the departing residence as the home is free and clear. | Compensating XXXXX XXXXX fico XXXX and co-borrower fico XXXX XXXXX depth over XXXXX credit history with no negative marks, departing residence is free and clear, low XXXX XXXXXX and meets reserve requirement with XXXXX left afterwards. | 12/18/2024 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633735 | XXXXXX | XXXXXX | 7132077 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX shock XXXXXXX XXXXX XXXX has approved the payment shock > XXXXX | Compensating XXXXX XXXXX fico XXXX and co-borrower fico XXXX XXXXX depth over XXXXX credit history with no negative marks, departing residence is free and clear, low XXXX XXXXXX and meets reserve requirement with XXXXX left afterwards. | 12/18/2024 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633737 | XXXXXX | XXXXXX | 7132084 | 846 | XXXX | Compliance | Disclosure | Disclosure - Missing initial disclosure within 3 days of application | Need Home Loan Toolkit issued within 3 days of application date of 11/22. | Information provided | 12/17/2024 | A | 1 | XXXX | AZ | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1633737 | XXXXXX | XXXXXX | 7132085 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | Senior management approval required for any self-employment less than the required 2 years. | Received exception approval/ Compensating Factors - clean collateral, mortgage history AA for last 2 years, strong income, increasing and consistent. | 12/17/2024 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1633737 | XXXXXX | XXXXXX | 7132086 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Maximum payment shock 2.5x when DTI is over 45%. Subject is at 48.345%. | Received exception approval/ Compensating Factors - clean collateral, mortgage history AA for last 2 years, strong income, increasing and consistent. | 12/17/2024 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1633737 | XXXXXX | XXXXXX | 7132087 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Trade equity - Gift of equity only allowed with relatives as donor. Subject loan included trade equity with a non-relative. | Received exception approval/ Compensating Factors - clean collateral, mortgage history AA for last 2 years, strong income, increasing and consistent. | 12/17/2024 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1633762 | XXXXXX | XXXXXX | 7132169 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX for XXXXX XXXXX XXX with a XXXX XXXXX is XXXX XXXX closed at XXXX XXXX with XXXXX XXXXX XXXXX | Sr XXXXX approval received for XXXX XXXX with XXXX score/ XXXXX XXXX - residual income XXXX reserves XXXX | Client 01/16/2025 06:02 PM; Unclear regarding the finding. XXXXX has a XXXXX of XXXXX which is higher than XXXX from the guideline. XXXXX provide additional clarity. XXXX you. Reviewer 01/17/2025 09:08 AM; Exception needed for XXXX XXXX for a borrower with XXXXX of XXXXX where the max is XXXX per guidelines |
01/21/2025 | A | 1 | XXXX | CT | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1633777 | XXXXXX | XXXXXX | 7132203 | 322 | XXXX | Credit | UW Credit | UW Credit - UW - Credit - Minimum FICO | XXXXX does not meet the minimum XXXXX of XXXX for XXXX XXXX program. | The below minimum score exception was granted for the XXXXX score of XXXX below XXXX required with the following compensating factors: XXXXX XXXXX XXXXX XXXX risk XXXX of XXXXX XXXXX of over XXXX reserves after closing. | 01/03/2025 | B | 2 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633781 | XXXXXX | XXXXXX | 7132220 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX XXXXX approval required for XXXXX XXXXX | loan approval include XXXXX pricing adjustment and second sign manager approval dated XXXXX | Reviewer 01/24/2025 08:49 AM; Received approval. did not see any mention of XXX XXXXX approval for XXXXX borrower Client 01/24/2025 06:14 PM; ITIN borrower noted on approval. XXXXX approval second signed by a member of senior management. XXX have senior management approval for XXXXX XXXXX XXXX you. Reviewer 01/27/2025 10:36 AM; condition cleared |
01/27/2025 | A | 1 | XXXX | CA | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1633781 | XXXXXX | XXXXXX | 7132221 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX of residency for XXXXX XXXX not met. XXXXX evidence of unexpired government XXXX XX | Received XXXXX and residency | 01/24/2025 | A | 1 | XXXX | CA | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1633781 | XXXXXX | XXXXXX | 7132223 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX satisfactory copy of XXXXX XXXXX XXXX statement used in XXXX statement worksheet | Received approval to use XXX months | 01/24/2025 | A | 1 | XXXX | CA | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1633781 | XXXXXX | XXXXXX | 7132224 | 437 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX missing, supply satisfactory evidence of verbal verification of employment dated XXX days before closing XXXXX | received XXX day XXXX | 01/21/2025 | A | 1 | XXXX | CA | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1633803 | XXXXXX | XXXXXX | 7132254 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX exception approval for payment shock over XXXX for XXXX under XXXXX | Approval granted for payment shock over XXXX XXXXX factors are XXXX XXX years self-employment XXXX perfect credit history XXXX low XXXX XXX note, the exception is based on a payment shock of XXXX new XXXXX / XXXX taxes & insurance = XXXX XXXXX the primary residence has a private mortgage which has a monthly payment of XXXXXX XXXX true payment shock is XXXX XXX + XXXX taxes & insurance = XXXX / XXXX new XXXXX = XXXXX XXX exception would not be required. | 01/18/2025 | B | 2 | XXXX | OR | 1 | 13 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1633803 | XXXXXX | XXXXXX | 7132255 | 272 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX management approval required for all XXXX properties. | Received XXXXX approval for XXXX property/ XXXXX XXXX - XXXX XXXXX residual income XXXX XXXXX XXXXX XXXXX | 01/22/2025 | A | 1 | XXXX | OR | 1 | 13 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1633699 | XXXXXX | XXXXXX | 7139674 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing Closing Disclosure for bridge loan secured with property at 28803 Hampton Place | received bridge CD | 11/20/2024 | A | 1 | XXXX | DC | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1633699 | XXXXXX | XXXXXX | 7139675 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Maximum loan amount per guidelines is $1,500,000. Subject loan is $XXXX. | Compensating Factors: assets after close are $3,108,960; guidelines require residual income of $1,500, borrower has residual income of $31,910; borrower ha sbeen at current residence for 10 years | 11/20/2024 | B | 2 | XXXX | DC | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1633699 | XXXXXX | XXXXXX | 7139676 | 270 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Satisfactory 2nd Appraisal Report | Guidelines require a second appraisal for loan amounts over 1.5M. Missing second appraisal. | received 2nd appralsal | 11/21/2024 | A | 1 | XXXX | DC | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1633699 | XXXXXX | XXXXXX | 7139677 | 433 | XXXX | Credit | UW Assets | UW Assets - UW - Short funds to close | Bridge loan for departing residence was provided and reflected $0 funds back to the borrower. Total assets of $367,666.53 were provided. Funds to closing in the amount of $1,122,804.59 were required. | received $1,073,500 wired to closing from bridge loan on departing residence. | 11/21/2024 | A | 1 | XXXX | DC | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | |||||||
| 1633837 | XXXXXX | XXXXXX | 7132323 | 901 | XXXX | Compliance | Compliance | Compliance - TRID Other | XXXX initial disclosures dated within XX days of application date of XXXXX | Information provided | 02/07/2025 | A | 1 | XXXX | CA | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1633837 | XXXXXX | XXXXXX | 7132324 | 902 | XXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 02/07/2025 | A | 1 | XXXX | CA | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1633837 | XXXXXX | XXXXXX | 7132326 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXX approval to fund with a satisfactory disaster inspection. | Management approved funding with satisfactory disaster inspection report. | 02/06/2025 | A | 1 | XXXX | CA | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640081 | XXXXXX | XXXXXX | 7140446 | 270 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Satisfactory 2nd Appraisal Report | XXXXX require a XXXX appraisal for loans over XXXX XXXX loan is XXXX XXX email was provided requesting an exception to use just one appraisal but no exception was provided. | Compensating XXXXX XXX file since XXXX XXXXX after XXXX XXXXXX XXXXX investor; good residence time XXXXX years), and good mortgage history. | 02/12/2025 | B | 2 | XXXX | HI | 2 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1640081 | XXXXXX | XXXXXX | 7140447 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX required for XXXX insurance XXXX of purchase XXXXX. | Compensating XXXXX XXX file since XXXX XXXXX after XXXX XXXXXX XXXXX investor; good residence time XXXXX years), and good mortgage history. | 02/12/2025 | B | 2 | XXXX | HI | 2 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1640082 | XXXXXX | XXXXXX | 7140448 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX pay shock is XXXXXX shock is greater than XXXXX | Compensating XXXXX file since XXXX over XXXX million in assets after close, residual income XXXXX XXXX fico score, good residence time and good mortgage history. | 03/31/2025 | B | 2 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640082 | XXXXXX | XXXXXX | 7140449 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX approval required for loan amount. XXXX XXXXX amount is over XXXXX million | Compensating XXXXX file since XXXX over XXXX million in assets after close, residual income XXXXX XXXX fico score, good residence time and good mortgage history. | 03/31/2025 | B | 2 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640083 | XXXXXX | XXXXXX | 7140450 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX for XXXX XXXXX approval for XXXX XXXXX XXXX with no housing history. | Compensating factors: XXXXX XXXX above minimum requirement of XXXX credit depth of XXX years. XXXX XXXXX well below max of XXXX XXXXX residual income of XXXXXXXX | 04/07/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640084 | XXXXXX | XXXXXX | 7140451 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXX XXXX less than XXXX for cashout refinance, less than XXXX for XXXX statement program, and less than XXXX to use cash out for reserves. | Exception granted: XXXXX XXXXX employment history, job time indicates stability and a likeliness to continue income flow, XXXXX cash reserve level, XXXX ownership | 03/05/2025 | B | 2 | XXXX | AZ | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640084 | XXXXXX | XXXXXX | 7140452 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXX loans are not allowed in the XXXXX XXXXX program | Exception granted: XXXXX XXXXX employment history, job time indicates stability and a likeliness to continue income flow, XXXXX cash reserve level, XXXX ownership | 03/05/2025 | B | 2 | XXXX | AZ | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640084 | XXXXXX | XXXXXX | 7140453 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX XXXXX approval to extend credit for additional XXX days from XXX to XXX to be noted on final loan approval | Exception granted: XXXXX XXXXX employment history, job time indicates stability and a likeliness to continue income flow, XXXXX cash reserve level, XXXX ownership | 03/06/2025 | B | 2 | XXXX | AZ | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640084 | XXXXXX | XXXXXX | 7140455 | 437 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX verbal verification of employment | Received XXXX | 03/05/2025 | A | 1 | XXXX | AZ | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640085 | XXXXXX | XXXXXX | 7140460 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX of XXXX license | received XXXX license | 04/01/2025 | A | 1 | XXXX | OH | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640086 | XXXXXX | XXXXXX | 7140461 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX satisfactory evidence of XXXX monthly for XXXX on second home located at XXXXX XX XXXX XXXXX | Received XXXX amount is within tolerance | 03/11/2025 | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640086 | XXXXXX | XXXXXX | 7140462 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX satisfactory evidence of XXXXX monthly for XXXX on second home located at XXXX XX XXXX XXXX | Received XXXX amount is within tolerance | 03/11/2025 | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640088 | XXXXXX | XXXXXX | 7140465 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXXX XXXXX XXXXX mtg with XXX xXXXX XXXXX includes XXXXX and XXXX XXXXX monthly, | received mortgage statement including escrows. XXXXX is XXXX no XXX | 02/12/2025 | A | 1 | XXXX | CA | 2 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640088 | XXXXXX | XXXXXX | 7140466 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX XXXXX XXXX (investment) XXXX XXX xXXXX XXXXX includes escrows, and XXXX XXXXX monthly | received XXXX no XXXX for property per red fin | 02/12/2025 | A | 1 | XXXX | CA | 2 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640088 | XXXXXX | XXXXXX | 7140467 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX XXXX XXX (investment) XXXX with XXXXX XXXXX includes escrows, and XXXX of XXXXX monthly | Received tax information. | Reviewer 02/12/2025 11:02 AM; Received XXX statement XXXX XXXX and XXXX not receive tax info for XXXXX XXXXX |
02/12/2025 | A | 1 | XXXX | CA | 2 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640088 | XXXXXX | XXXXXX | 7140468 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XX XXXXX XXXXX XXXX (investment) is free & clear with XXXX of XXXXX monthly | HOA verified at XXXXX XXXXX XXX | 02/12/2025 | A | 1 | XXXX | CA | 2 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640088 | XXXXXX | XXXXXX | 7140469 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX XXXXX (investment) XXXX XXXXX includes escrows and XXXX of XXXX monthly | Received mortgage statement XXXX and XXXX and XXXX = XXXX + XXXX = XXXXX | 02/12/2025 | A | 1 | XXXX | CA | 2 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640088 | XXXXXX | XXXXXX | 7140470 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | XXXXX evidence borrower owns XXXXX of XXXX XXXXX used in repayment | LLC-XX and XXXX XXXXX directory in file reflects borrower as sole owner. | Client 02/12/2025 11:34 AM; LLC-XX and XXXX XXXXX directory in file reflects borrower as sole owner. XXXX you. Reviewer 02/12/2025 11:43 AM; Condition has been reviewed. XXX |
02/12/2025 | A | 1 | XXXX | CA | 2 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640088 | XXXXXX | XXXXXX | 7140471 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX schedule required | REO schedule provided | 02/12/2025 | A | 1 | XXXX | CA | 2 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640089 | XXXXXX | XXXXXX | 7140473 | 184 | XXXX | Credit | Flood Certificate | Flood Certificate - Property address incorrect or missing | XXXX property address on the XXXX XXXX was missing the unit number. XXXX that includes unit number. | Information provided | 03/10/2025 | A | 1 | XXXX | UT | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640089 | XXXXXX | XXXXXX | 7140474 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX XXXX appraisal is missing from the loan file, as required on loan amounts over XXXX million. XXXX credit review is on hold until documents are received. | 03/06/2025 | A | 1 | XXXX | UT | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1640090 | XXXXXX | XXXXXX | 7140092 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX evidence XXXXX with XXXXX XXXXX xXXXX XXXXX monthly includes taxes and insurance for primary home at XXXXX with no XXXX dues | LOE, XXXX report, payment history, and XXXXX report and XXXX provided. | 03/04/2025 | A | 1 | XXXX | TN | 2 | 3 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640090 | XXXXXX | XXXXXX | 7140093 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX evidence of association with property located at XXXXX XXXXX XXXX XXX noted as investment | SiteX report, payment history, and XXXXX report and XXXX stating the property is a XXXXX with no XXXX provided. | 03/04/2025 | A | 1 | XXXX | TN | 2 | 3 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640090 | XXXXXX | XXXXXX | 7140094 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXX supporting neg rents of XXXXX | REO schedule provided. | 03/04/2025 | A | 1 | XXXX | TN | 2 | 3 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640090 | XXXXXX | XXXXXX | 7140095 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX documentation supporting negative rents of XXXXX | information provided and accepted | Client 03/04/2025 03:37 PM; Hi, documentation has been uploaded. XXXX Reviewer 03/04/2025 06:45 PM; Condition has been reviewed. XXX |
03/04/2025 | A | 1 | XXXX | TN | 2 | 3 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640090 | XXXXXX | XXXXXX | 7140096 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX XXXX management approval | Exception granted: XXX file since XXXXX XXXXX after close XXXXX XXXXX XXXXX good job time, rood residence time, good mortgage history | 03/04/2025 | B | 2 | XXXX | TN | 2 | 3 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640094 | XXXXXX | XXXXXX | 7140964 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX XXXX appraisal is missing from the loan file. XXXX credit review is on hold until documents are received. | The XXXX appraisal was provided | 03/11/2025 | A | 1 | XXXX | AZ | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640094 | XXXXXX | XXXXXX | 7140965 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | 03/11/2025 | A | 1 | XXXX | AZ | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||||
| 1640094 | XXXXXX | XXXXXX | 7140966 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX maximum loan amount of XXXX million. XXXX loans greater than XXXX million requires XXXXX XXXXX approval. XXXX XXXXX XXXXX amount is XXXXX | Compensating XXXXXXX credit, no derogatory credit on credit report. XXXXX employer history, job time indicates stability and a likelihood of continued income flow. XXXX XXXX for loan program, XXXX XXXXX score. | 03/12/2025 | B | 2 | XXXX | AZ | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640095 | XXXXXX | XXXXXX | 7140101 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX XXXXX score required for XXXXX XXXX statement. XXXX XXXXXXX has a XXXX credit score. | Compensating XXXX XXXXX XXXX collateral in a desirable area in XXXX XXXXX XXXX residual income. | 03/18/2025 | B | 2 | XXXX | FL | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640095 | XXXXXX | XXXXXX | 7140102 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX score is required for cash-out. XXXX XXXXXXX has a XXXXX score. | Compensating XXXX XXXXX XXXX collateral in a desirable area in XXXX XXXXX XXXX residual income. | 03/18/2025 | B | 2 | XXXX | FL | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640097 | XXXXXX | XXXXXX | 7140103 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX required for a borrower with less than XX active tradelines for XX years. | XXXXX factors are XXXX XXXXX term self-employment XXXX yrs) XXXXX XXXX XXX derogatory payments since XXXXX and XXXX XXXXX | 03/12/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640097 | XXXXXX | XXXXXX | 7140104 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX required due to the lack of a housing history for the past XXX months. XXXXX was living with family. | XXXXX factors are XXXX XXXXX term self-employment XXXX yrs) XXXXX XXXX XXX derogatory payments since XXXXX and XXXX XXXXX | 03/12/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640101 | XXXXXX | XXXXXX | 7140118 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX for XXXX is XXXX XXX XXXX exception approved by management. | Compensating XXXXX XXXXX homeowner and investor. XXXX mortgage payment history. | 04/03/2025 | B | 2 | XXXX | FL | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640101 | XXXXXX | XXXXXX | 7140119 | 381 | XXXX | Credit | UW Other | UW Other - UW - Updated Review required | XX months reserves are required in the amount of XXXXXXX XXXX reserves verified in the amount of XXXXX | Exception approval received for low reserves/ XXXXX factors - XXXXX homeowner and investor/ excellent mortgage history, score XXX | 04/05/2025 | B | 2 | XXXX | FL | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640102 | XXXXXX | XXXXXX | 7140120 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX XXXXX exchange documentation including final XXX from selling property, intermediary company and intermediary documents including balance for transfer, as required by the guidelines. XXXX credit review is on hold until documents are received. | CD in loan file, XXXXX docs in loan file | 03/11/2025 | A | 1 | XXXX | FL | 3 | 1 | A | A | A | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640103 | XXXXXX | XXXXXX | 7140122 | 884 | XXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 03/14/2025 | A | 1 | XXXX | NV | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||||
| 1640103 | XXXXXX | XXXXXX | 7140123 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until received. | 03/10/2025 | A | 1 | XXXX | NV | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||||
| 1640103 | XXXXXX | XXXXXX | 7140124 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require XXXX for asset depletion; borrower asset depletion XXXXX | Compensating factors; XXXX credit score, low XXXX XXXXX XXXX homeowner owned current primary for over XX years, and owns XX rental properties. | 03/11/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1640103 | XXXXXX | XXXXXX | 7140125 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX guidelines XXXXX XXXXX is not a depletion-valid type of asset; allow borrower to use XXXX of remaining equity in current residence after bridge loan. | Compensating factors; XXXX credit score, low XXXX XXXXX XXXX homeowner owned current primary for over XX years, and owns XX rental properties. | 03/11/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1640103 | XXXXXX | XXXXXX | 7140126 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX payment shock is XXXXX with XXXX is over XXXXX borrower payment shock over XXXX due to XXXX departing residence. | Compensating factors; XXXX credit score, low XXXX XXXXX XXXX homeowner owned current primary for over XX years, and owns XX rental properties. | 03/11/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1640104 | XXXXXX | XXXXXX | 7140132 | 437 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX is missing from this file for borrower X | Received XXXX | 03/06/2025 | A | 1 | XXXX | MO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640105 | XXXXXX | XXXXXX | 7140134 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX XXXX appraisal is missing from the loan file. XXXX credit review is on hold until documents are received. | Appraisal provided | 03/18/2025 | A | 1 | XXXX | MA | 2 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640106 | XXXXXX | XXXXXX | 7140135 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 03/17/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640106 | XXXXXX | XXXXXX | 7140136 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require senior management approval for XXXX > XXXX when using a majority of the income to qualify if XXXX XXXXX XXXX XXXX is XXXXX and each borrower is using only XXXX and XXXXX XXXXX income to qualify. | Compensating XXXXX for program XXXX ; XXXX credit depth of XXX years; good credit; XXXX ownership of departure residence, XXX yrs. | 03/17/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640106 | XXXXXX | XXXXXX | 7140137 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX file is missing verification (credit supplement or recent monthly statement) of the revolving debt XXXXX XXXXX having a payment amount of XXXXX and a balance of XXXX as stated on the XXXX XXXXX XXXXXX XXXXX XXXX and credit report reflects a payment of XXXX and a balance of XXXX XXXX lower payment amount of XXXXX is required to keep the XXXX below XXXXX | received evidence of XXXXX mo payment | 03/18/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640107 | XXXXXX | XXXXXX | 7140967 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require XX months receipt of XXXXX XXXXX income. XXXX to allow use of future note receivable income. | Compensating XXXXXX score for borrower, solid credit; XXXXX paid XXX XXXXX XXXXX in reserves after closing; XXXXX XXX investor | 03/05/2025 | B | 2 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640107 | XXXXXX | XXXXXX | 7140968 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX shock XXXX or XXXX when XXXX is greater than XXXX is XXXX | Compensating XXXXXX score for borrower, solid credit; XXXXX paid XXX XXXXX XXXXX in reserves after closing; XXXXX XXX investor | 03/05/2025 | B | 2 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640107 | XXXXXX | XXXXXX | 7140969 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX required XXXX XXXXX of XXXX XXXXX to use XXXXX | Compensating XXXXXX score for borrower, solid credit; XXXXX paid XXX XXXXX XXXXX in reserves after closing; XXXXX XXX investor | 03/05/2025 | B | 2 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640107 | XXXXXX | XXXXXX | 7140970 | 378 | XXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XXXX updated loan application reflecting XXXX as XXXX owner of business. XXXX provided, XXXXX is only XXXX owner of business. | received XXXX | 03/13/2025 | A | 1 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640107 | XXXXXX | XXXXXX | 7140971 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX XXXXX utilized for the XXXX XXXXX income was not signed. XXXX signed XXXXX XXXXX | Signed note received/ XXXXX exception approval to use the future note receivable income of XXXXX XXXXX XXXXXX score for borrower, solid credit; XXXXX paid XXX XXXXX XXXXX in reserves after closing; XXXXX XXX investor | 03/12/2025 | B | 2 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640108 | XXXXXX | XXXXXX | 7140147 | 382 | XXXX | Credit | UW Other | UW Other - UW - HUD-1 to evidence source of funds | XXXX signed final closing disclosure for XXXXX loan. XXXXX in file is not signed. | received signed bridge loan with net XXXXX | 03/18/2025 | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640110 | XXXXXX | XXXXXX | 7140149 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXXX XXXXX is missing XXXX XXXXX for vesting in the name of a XXXXX | Guaranties provided signed separately by both members | Client 03/21/2025 04:52 PM; Legal approval reflected on loan details of the updated loan approval. XXXX you. Reviewer 03/23/2025 03:40 PM; Condition has been reviewed. XXX Reviewer 03/24/2025 08:46 AM; Legal approval reflected on loan details of the updated loan approval. XXXX not locate XXXX legal approval of vesting in the file Reviewer 03/24/2025 04:57 PM; there should be an approval from XXXXX XXXXX XXXX allowing only XX of the business owners guaranteeing the loan. Client 03/24/2025 06:48 PM; Both borrowers signed personal guaranty's. XXXX Reviewer 03/25/2025 04:56 AM; Personal XXXXX contains only XXXX XXXX signature. XXXXX XXXXX signature is missing. XXXX |
03/25/2025 | A | 1 | XXXX | SC | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640111 | XXXXXX | XXXXXX | 7140154 | 319 | XXXX | Credit | UW Assets | UW Assets - UW - Seller Credit exceeds limit | XXXXX contribution of XXXXX exceeds closing costs XXXX | Compensating factors; XXXX ltv, XXXX fico, XXX XXX | 03/04/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640111 | XXXXXX | XXXXXX | 7140155 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXXX XXXXX and XXXXX XXXXX to correct subject XXXX XXXXX | information provided and accepted | 03/04/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640113 | XXXXXX | XXXXXX | 7140157 | 901 | XXXX | Compliance | Compliance | Compliance - TRID Other | XXXX XXXXX XXXXX XXXX | Information provided | 04/11/2025 | A | 1 | XXXX | NH | 1 | 1 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640113 | XXXXXX | XXXXXX | 7140158 | 884 | XXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 04/11/2025 | A | 1 | XXXX | NH | 1 | 1 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1640115 | XXXXXX | XXXXXX | 7140160 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require max payment shock is XXXXX when XXXX is over XXXXX borrower payment shock is over XXXXX | Compensating factors; low XXXX XXXXX excellent credit qualified score XXXXX XXX rent historyand over XXXXX in reserves. | 03/13/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640115 | XXXXXX | XXXXXX | 7140161 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require XXXX under XXX for XXXX borrower XXXX is XX | Compensating factors; low XXXX XXXXX excellent credit qualified score XXXXX XXX rent historyand over XXXXX in reserves. | 03/13/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640115 | XXXXXX | XXXXXX | 7140162 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require XXXX vesting should be a revocable trust; subject vesting in blind trust. | Compensating factors; low XXXX XXXXX excellent credit qualified score XXXXX XXX rent historyand over XXXXX in reserves. | 03/13/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640118 | XXXXXX | XXXXXX | 7140170 | 272 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXX XXXX // XXXX XXXX approved appraiser | received management approval to allow appraisal | 03/24/2025 | A | 1 | XXXX | GA | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1640119 | XXXXXX | XXXXXX | 7140172 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX borrowers who own a home free and clear, payment shock is considered for reasonableness and should be reviewed by XXXXX management. XXXX XXXXXX shock of XXXXX subject property is free and clear. | Compensating XXXX XXXX for loan program, low debt ratio, high residual income, high cash reserves and XXXX fico score. | 04/21/2025 | B | 2 | XXXX | AZ | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640121 | XXXXXX | XXXXXX | 7140173 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX guidelines XXXX rental income from primary residence allowed; XXXX used XXXX of the current monthly income | Compensating factors; XXXX ltv XXXXX XXXX credit XXXX qualifying score, no derogatory credit, XXXX-time ownership. | 04/06/2025 | B | 2 | XXXX | OR | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640121 | XXXXXX | XXXXXX | 7140174 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX guidelines minimum loan amount XXXXX subject is XXXXX | Compensating factors; XXXX ltv XXXXX XXXX credit XXXX qualifying score, no derogatory credit, XXXX-time ownership | 04/06/2025 | B | 2 | XXXX | OR | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640124 | XXXXXX | XXXXXX | 7140175 | 898 | XXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX tolerance violation of XXXXX due to increase in XXXX XXXXX fee with no valid coc. XXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. | Information provided | Reviewer 03/17/2025 10:36 AM; No documentation provided |
03/24/2025 | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640124 | XXXXXX | XXXXXX | 7140176 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX exception approval for post-closing reserves of less than six months XXXX XXXXX reserves are XXXXX which are XXXX less than the required XXXXX XXXXXX | received approval with XXX discretion to use XX months reserves/ XXXXX XXXX - XXXXX income XXXXX reserves XXXX score XXXX & XXXXX XXXX XXX | 03/12/2025 | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640126 | XXXXXX | XXXXXX | 7140178 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final settlement statement from sale of home where the proceeds are being used to purchase the subject property. XXXX credit review is on hold until documents are received. | 03/11/2025 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||||
| 1640126 | XXXXXX | XXXXXX | 7140179 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXX delinquency history XXXXX XXXXX XXXX has approved having no recent mortgage historyy. XXXX prior mortgage history was paid as agreed. XXXX home is free and clear. | Compensating XXXXX XXXX fico score, mortgages paid as agreed, credit depth of XXX years, no late payments, low XXXX and good amount of reserves left after closing. | 03/12/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640127 | XXXXXX | XXXXXX | 7140182 | 868 | XXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXX expires XXXXX please provide updated policy for review. | Information provided | 05/02/2025 | A | 1 | XXXX | ME | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640127 | XXXXXX | XXXXXX | 7140183 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX to allow for XXX months XXXX statement on XXXXX income. | Compensating XXXXX XXXXX residence XX years. XXX late mortgage payments for XX years. XXXXX self-employment for XX years. | 04/28/2025 | B | 2 | XXXX | ME | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640127 | XXXXXX | XXXXXX | 7140184 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX to allow XXXXX score of XXXX for loan amount over XX million. XXXXX require XXXX credit score for loan amounts over XX million. | Compensating XXXXX XXXXX residence XX years. XXX late mortgage payments for XX years. XXXXX self-employment for XX years. | 04/28/2025 | B | 2 | XXXX | ME | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640128 | XXXXXX | XXXXXX | 7140185 | 72 | XXXX | Credit | Closing Package | Closing Package - | XXXXX provide the XXXX of XXXXX docs for review. | Information provided | 03/27/2025 | A | 1 | XXXX | WI | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640129 | XXXXXX | XXXXXX | 7140186 | 72 | XXXX | Credit | Closing Package | Closing Package - | XXXX executed, signed and notarized XXXX is missing from file. | Information provided | 03/27/2025 | A | 1 | XXXX | WI | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640131 | XXXXXX | XXXXXX | 7140197 | 327 | XXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Rental | XXX housing history for the last year-living rent free. | The exception was approved for the borrower having no housing history in the last year. XXXX exception was approved with the following compensating factors: XXXX borrower pur XXXX down on the property. XXXXX is XXXX with no late payments. XXXX collateral is excellent. | 03/20/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640131 | XXXXXX | XXXXXX | 7140198 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX of employment within XXX days of the note missing from file. | VOE provided | 03/20/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640132 | XXXXXX | XXXXXX | 7140200 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX tradeline requirement of XX accounts, with two active not met with one active and existing mortgage. | Exception granted: XXX XXXXX reserves, XXX a credit abuser, XXXX revolving line available, XXXX collateral new construction. XXXX XXXX paid timely. | 03/17/2025 | B | 2 | XXXX | SC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640132 | XXXXXX | XXXXXX | 7140201 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX requirement of XXX has not been met | Exception granted: XXX XXXXX reserves, XXX a credit abuser, XXXX revolving line available, XXXX collateral new construction. XXXX XXXX paid timely. | 03/17/2025 | B | 2 | XXXX | SC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640133 | XXXXXX | XXXXXX | 7140202 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXXX approval to correct loan program to XXXXX XXXX vs XXXXX statement loan. | received approval stating XXXXX XXX | 03/20/2025 | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640133 | XXXXXX | XXXXXX | 7140203 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | document received | 03/19/2025 | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640133 | XXXXXX | XXXXXX | 7140204 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX loan approval and loan analysis to evidence loan as full docs, and not XXXX statement loan | Received XXX XXXX | Reviewer 03/20/2025 04:22 PM; The XXX loan analysis reflects doc type as XXXXX statement. XXXX not receive analysis for full doc |
03/21/2025 | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640135 | XXXXXX | XXXXXX | 7140206 | 970 | XXXX | Compliance | Compliance | Compliance - CD- Missing | XXXX XXX is missing only the XXXX XXX was provided. | Information provided | 04/08/2025 | A | 1 | XXXX | IL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640135 | XXXXXX | XXXXXX | 7140207 | 884 | XXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 04/08/2025 | A | 1 | XXXX | IL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1640135 | XXXXXX | XXXXXX | 7140208 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX from XXXXX required. XXXX program is a XXXXX program. XXXXX provided as documentation is not acceptable. XXXX XXXXX is required. | XXXX XXXXX provided | 04/14/2025 | A | 1 | XXXX | IL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640136 | XXXXXX | XXXXXX | 7140209 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX confirmed judgement with XXXX XXXXX recorded XXXX reaffirmed XXXXX satisfactory evidence judgement has been cleared is required. | received XXXXX letter of payment | 03/26/2025 | A | 1 | XXXX | OK | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640136 | XXXXXX | XXXXXX | 7140210 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX evidence of payoff for XXXX XXXXX paid at closing on XXXXX | received XXXXX letter of payment | 03/26/2025 | A | 1 | XXXX | OK | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640136 | XXXXXX | XXXXXX | 7140211 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX evidence of additional debt of XXXX included in total debts of XXXXX - XXXXX report noted XXXXX after omitting XXXX & XXXX business debts | Omitting the XXXX debt would lower the XXXXX within tolerance. | 03/26/2025 | A | 1 | XXXX | OK | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640137 | XXXXXX | XXXXXX | 7140212 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX depletion loan requires assets post closing to be over XXXX XXXX loan assets are below that. | The exception for less than XXXX in residual assets post closing was granted with the following compensating factors: XXXXX pride in departing residence, nice collateral. XXXXX is XXXX for borrower and co-borrower. XXX late payments on the mortgage XXXXX | 03/25/2025 | B | 2 | XXXX | HI | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640137 | XXXXXX | XXXXXX | 7140213 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX the signed final closing disclosure from the XXXXX loan verifying funds to the borrower in the amount of XXXXXX XXXXX in the file is not signed | received final signed bridge loan XX | 03/26/2025 | A | 1 | XXXX | HI | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640138 | XXXXXX | XXXXXX | 7140215 | 321 | XXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | XXXX XXXXX program requires XX tradelines with XX active. XXXX borrower has XX active tradelines total. | The exception for less than required credit tradelines was granted with the following compensating factors: XXXX borrower has XXXX equity in the property; over XXXXX in cash reserves. XXXX borrower has owned the home for XXX years; XXXXX is not a credit abuser and consolidating all debt into XX payment. | 03/31/2025 | B | 2 | XXXX | WA | 1 | 13 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640138 | XXXXXX | XXXXXX | 7140216 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX loan amount is less than the XXXXXX minimum loan amount. XXXX loan is XXXXXXX | The exception for less than minimum loan amount was granted with the following compensating factors: XXXX borrower has XXXX equity in the property; over XXXXX in cash reserves. XXXX borrower has owned the home for XXX years; XXXXX is not a credit abuser and consolidating all debt into XX payment. | 03/31/2025 | B | 2 | XXXX | WA | 1 | 13 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640138 | XXXXXX | XXXXXX | 7140217 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX borrower's required reserves are from cash out. XXXX minimum required XXXXX to use cash out for reserves is XXXXX the borrower's XXXXX is XXXXX | The exception for less than XXXX required XXXXX to use cash out for required reserves was granted with the following compensating factors: XXXX borrower has XXXX equity in the property; over XXXXX in cash reserves. XXXX borrower has owned the home for XXX years; XXXXX is not a credit abuser and consolidating all debt into XX payment. | 03/31/2025 | B | 2 | XXXX | WA | 1 | 13 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640138 | XXXXXX | XXXXXX | 7140218 | 421 | XXXX | Credit | UW Collateral | UW Collateral - UW - Appraisal Report invalid or expired | XXXX appraisal is over XXXX days old. XXXX recert. XXXX guidelines state that if the appraisal date is greater than XXXX days, an appraisal re-cert of value is required. | Received exception approval for appraisal over XXXX days. XXXXX XXXX - XXXX XXXXX XXXX reserves, XXX years in home | 04/01/2025 | B | 2 | XXXX | WA | 1 | 13 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640140 | XXXXXX | XXXXXX | 7140221 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX XXXX less than XXXX required for loan amounts exceeding XXXXX | Exception granted: XXXXX XXXXX XXXXX no recent derogs, XXX agreed payment history, low debt ratio, XXXXX XXXXXX cash reserve level | 03/27/2025 | B | 2 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640140 | XXXXXX | XXXXXX | 7140223 | 437 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX verbal verification of employment from XXXX XXXXX dated within XXX days of note date XXXXX | Documentation provided | 03/28/2025 | A | 1 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640140 | XXXXXX | XXXXXX | 7140224 | 437 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX verbal verification of employment from XXXX XXXXX XXXXX XXXX dated within XXX days of note date XXXXX | Documentation provided | 03/28/2025 | A | 1 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640140 | XXXXXX | XXXXXX | 7140225 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX second appraisal for loans over XXXXX million is missing from the loan file. XXXX credit review is on hold until documents are received. | Documentation provided | 03/28/2025 | A | 1 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640142 | XXXXXX | XXXXXX | 7140227 | 65 | XXXX | Compliance | Right to Cancel | Right to Cancel - is missing. | XXXXX provide the right to cancel. | 04/02/2025 | A | 1 | XXXX | FL | 1 | 13 | D | B | D | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1640142 | XXXXXX | XXXXXX | 7140228 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | XXXXX XXXXX XXXXXX dated within XXX days of note date XXXXX | received XXXX signed within XXX days of note. | 04/05/2025 | A | 1 | XXXX | FL | 1 | 13 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640142 | XXXXXX | XXXXXX | 7140229 | 437 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX verbal verification of self employment dated within XXX days of note date XXXX | received XXX day XXXX | 04/01/2025 | A | 1 | XXXX | FL | 1 | 13 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640142 | XXXXXX | XXXXXX | 7140230 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXX XXXX does not meet minimum XXXXX of XXXX for XXXX less than XXXX to use cashout for reserves | Exception granted: XXX file since XXXXX XXXXX after close XXXXX XXXXX XXXX good job time, good residence time, good mortgage history | 03/31/2025 | B | 2 | XXXX | FL | 1 | 13 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640143 | XXXXXX | XXXXXX | 7140231 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX evidence of departing residence insurance XXXXX monthly | HOA and XXXX statement provided | 04/04/2025 | A | 1 | XXXX | UT | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640143 | XXXXXX | XXXXXX | 7140232 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX evidence of XXXXX rents for departing residence of XXXXX monthly | Zillow provided | 04/04/2025 | A | 1 | XXXX | UT | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640143 | XXXXXX | XXXXXX | 7140234 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX evidence of XXXX license | Internet search provided. | 04/04/2025 | A | 1 | XXXX | UT | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640144 | XXXXXX | XXXXXX | 7140236 | 328 | XXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXX requires XXXX on the mortgage within the last XXX months. XXXX borrower has a XXXXX in XXXX | The XXXX for the borrower having a XXXXX day late on the mortgage was granted with the following compensating factors: XXXX borrower is a seasoned investor, owning over XXX properties. XXXX borrowers made a large downpayment of XXXXX is XXXX with the majority of credit paid as agreed. XXXX mortgage late appears to be an isolated event with a good letter of explanation in the file. | 03/28/2025 | B | 2 | XXXX | LA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640144 | XXXXXX | XXXXXX | 7140237 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXX XXXX require XXXXX XXXXX approval for XXXXX XXXXX XXXXX XXXXX program. | The XXXX for the borrower receiving gift funds of XXXXXX was granted with the following compensating factors: XXXX borrower is a seasoned investor, owning over XXX properties. XXXX borrowers made a large downpayment of XXXXX is XXXX with the majority of credit paid as agreed. | 03/28/2025 | B | 2 | XXXX | LA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640145 | XXXXXX | XXXXXX | 7140238 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided | 04/21/2025 | A | 1 | XXXX | NV | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640145 | XXXXXX | XXXXXX | 7140239 | 998 | XXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | XXXX title provided in the amount of XXXXXX is less than the loan amount of XXXXXX XXXX updated title supplement in an amount equal to or greater than the loan amount. | Received title with correct loan amount | 04/24/2025 | A | 1 | XXXX | NV | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1633702 | XXXXXX | XXXXXX | 7141535 | 436 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete VOE | Missing verbal Verification of employment | received 10 day VVOE for current job | Reviewer 11/20/2024 03:28 PM; The XXXXX XXXXX is dated XXXX XXXXX date XXXXX XXXXX required within XXX days of note. |
11/21/2024 | A | 1 | XXXX | HI | 2 | 3 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1633702 | XXXXXX | XXXXXX | 7141536 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Guidelines minimum square footage for condo is 600 square feet. Subject prperty gross living area is 504. | Compensating Factors Excellent credit (FICO 780), no derogatory credit, AA mortgage ratings (no late payments, strong income from good quality job (borrower is a XXXX), Low LTV for loan program (LTV is 63 max allowed is 80), high cash reserve level (28.92 months of reserves, 6 months required per guidelines) . | 11/19/2024 | B | 2 | XXXX | HI | 2 | 3 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1633726 | XXXXXX | XXXXXX | 7141263 | 863 | XXXX | Compliance | Right to Cancel | Right to Cancel - Other: | The subject loan was a refinance with the same lender; however, the H-8 Right to Cancel form was used. Form H-9 is required when refinance is with the same lender. | Information provided | Reviewer 01/15/2025 08:58 AM; Correct XXXX has not been executed by the borrowers. XXXXX provide executed copy Client 01/17/2025 11:25 AM; Hi, please escalate. XXXXX did not exercise their right to cancel this loan as they had until midnight XXXX XXXXX is how we have cleared this finding numerous times in the past. XXXX Reviewer 01/17/2025 12:43 PM; Reviewer 01/21/2025 10:02 AM; Hello
 XXXXX has been cleared.
 XXXX |
01/21/2025 | A | 1 | XXXX | WA | 1 | 3 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||
| 1640098 | XXXXXX | XXXXXX | 7141523 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX XXXX of XXXXX and XXXX XXXX for property located at XXXXXX | Received XXXX and tax documentation | 03/11/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640099 | XXXXXX | XXXXXX | 7141532 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 03/17/2025 | A | 1 | XXXX | CA | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640148 | XXXXXX | XXXXXX | 7140240 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX approval required to accept an appraisal that does not provide a form XXXX | Approval granted to accept an appraisal that does not provide a form XXXXX XXXXX factor is the use of XXXXX rental listing with a conservative XXXX expense factor is in line with the brief paragraph from appraiser on short term market rent, explained on the supplemental addendum. | 03/27/2025 | B | 2 | XXXX | AL | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640149 | XXXXXX | XXXXXX | 7140241 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX requires XXX months housing for a XXXX | Exception management approved file with no housing, using XXXX for XXXXX XXXXX XXXXX XXXXX XXXXX XX mortgages reporting all paid XXX for the last XXXX months, not an abuser of credit. | 03/25/2025 | B | 2 | XXXX | CO | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640150 | XXXXXX | XXXXXX | 7140243 | 272 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXX XXXX // XXXX XXXX approved appraiser | Loan XXXXX states XXXXX approval to use appraisal | 04/04/2025 | A | 1 | XXXX | HI | 1 | 1 | C | B | C | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640150 | XXXXXX | XXXXXX | 7140244 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | ** XXXXX XXXX requires XX year history with XX active tradelines | DEVIATION: XX active tradeline XXXXX XXXXX XXXXX XXXX for XXX years, XXXXX collateral, XXXX XXXX & XXX XXXXX XXXX | 04/01/2025 | B | 2 | XXXX | HI | 1 | 1 | C | B | C | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640151 | XXXXXX | XXXXXX | 7140246 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents have been received. | Document received | 04/08/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640151 | XXXXXX | XXXXXX | 7140248 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX loan size for program is XXXXX XXXXX amount is XXXXX | Exception allowing loan amount of XXXXXX approved. XXXXX XXXXX XXXXX pride in ownership living in primary for XX years, XXXXX XXXXX XXXX paid XXX for XXX months, not an abuser of credit. | 04/10/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640152 | XXXXXX | XXXXXX | 7140251 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documentation provided | 04/01/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640152 | XXXXXX | XXXXXX | 7140252 | 434 | XXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | he borrowers are short reserves. XX months required reserves for XXXX XXXX XXXX borrower has a little over XX month reserves. XXXX reserves in the amount of XXXX | Documented reserves XXXXXX XXXX XXXXX XXX mos reserves. | 04/04/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640152 | XXXXXX | XXXXXX | 7140254 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXX is over max of XXXXX | The exception was granted for the payment shock exceeding the maximum with the following compensating factors: XXXX borrowers home is free and clear; XXXX XXXX is XXXX XXXX primary borrower has a XXXXX of XXXX and no late payments. XXXX borrower has been employed with the same company since XXXXX | 04/02/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640154 | XXXXXX | XXXXXX | 7140256 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX self-employment required | Exception for under XXXX self-employment. XXXXX business opened in XXXXX XXXXX XXXXX XXXXX XXX mortgage and overall credit history, XXXX XXXX of XXXXX XXXXX income of XXXXXXX | 04/09/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640154 | XXXXXX | XXXXXX | 7140257 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX for purchase with bridge is XXXXX | Exception allowing stacking to XXXX XXXX on purchase with bridge. XXXXX XXXXX XXX mortgage and overall credit history, XXXX XXXX of XXXXX XXXXX income of XXXXXXX | 04/09/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640154 | XXXXXX | XXXXXX | 7140259 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX XXXXX loan settlement statement reflecting XXXXXX was not provided. XXXXX file to XXXX when provided. | Bridge XXXXX XXX provided | 04/09/2025 | A | 1 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640154 | XXXXXX | XXXXXX | 7140260 | 434 | XXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXXX reserves in the amount of XXXXX due to XXXXX loan missing. XXXXX XXXXX verified XXXX | Proceeds from XXXXX XXXXX XXX provided increases the reserves to XXXX | 04/09/2025 | A | 1 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640155 | XXXXXX | XXXXXX | 7140261 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX property acreage is XXXX subject property is XXXX acres | Compensating XXXXX XXXX current residence , XXX years with current employer, XXXX XXXX of XXXX well below max XXXX of XXXXX XXXXX in residual income. | 04/08/2025 | B | 2 | XXXX | CT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640156 | XXXXXX | XXXXXX | 7140263 | 335 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Calculation Incorrect | XXXXX income received is XXXXX vs bi-weekly, XXXXX noted on XXXXX & paystubs evidenced XXXXX monthly income - updated XXXXX approval, and XXXXX XXX analysis required | Received updated approval | 04/07/2025 | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640159 | XXXXXX | XXXXXX | 7140271 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX needed for payment shock due to free and clear departure residence. | Compensating XXXXX XXX XXXX credit history XXXXX employment history XXXXX two XXXXX and XXXX properties | 04/11/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640161 | XXXXXX | XXXXXX | 7140272 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX approval needed reflecting the exception approval for the XXXX > XXXX for borrower with a fixed income. | Compensating factors: XXX mortgage lates within the last XXX months, XXXX XXXXX , stable housing for XXXX years. | 04/08/2025 | B | 2 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640161 | XXXXXX | XXXXXX | 7140274 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX fully executed XXX from bridge loan netting XXXXX minimum XXXXX missing from file. | Cash needed for closing XXXX XXXXX net proceeds XXXXX XXXXX paid off | 04/09/2025 | A | 1 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640162 | XXXXXX | XXXXXX | 7140275 | 895 | XXXX | Compliance | Compliance | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation | XXXXX proof borrower received initial XXX XX days prior to consummation. | Documentation provided | 04/04/2025 | A | 1 | XXXX | LA | 1 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640162 | XXXXXX | XXXXXX | 7140276 | 884 | XXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Documentation provided | 04/04/2025 | A | 1 | XXXX | LA | 1 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1640164 | XXXXXX | XXXXXX | 7140277 | 998 | XXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | XXXX has the incorrect loan amount of XXXXXX and it should be XXXXXXX | Information provided | 04/15/2025 | A | 1 | XXXX | WA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640165 | XXXXXX | XXXXXX | 7140278 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX for rural is XXXXXX XXXX is XXX | Compensating XXXX mortgages paid XXXX all consumer credit paid XXXX credit reporting since XXXXX and XXXX credit score, | 03/31/2025 | B | 2 | XXXX | NY | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640166 | XXXXXX | XXXXXX | 7140279 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided | 04/21/2025 | A | 1 | XXXX | ID | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640168 | XXXXXX | XXXXXX | 7140280 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Credit report provided | 04/09/2025 | A | 1 | XXXX | FL | 3 | 13 | A | A | A | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640169 | XXXXXX | XXXXXX | 7140281 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX final XXX dated and funded on XXXX for the XXXX bridge loan secured by the property located at XXXXX showing net proceeds of XXXXXX after paying mortgages XXXXX XXXXX and XXXXX XXXX | received bridge loan net XXXX sufficient | 03/30/2025 | A | 1 | XXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640169 | XXXXXX | XXXXXX | 7140282 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX approval required for accepting a property located in a declining market | Exception approval received for declining market. XXXXX XXXX - XXXX score, XXXX XXXXX XXXXX XXXX residual income XXXXX | 04/01/2025 | B | 2 | XXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640170 | XXXXXX | XXXXXX | 7140284 | 758 | XXXX | Credit | UW Credit | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio | XXXXX statement is needed to confirm if XXXX are escrowed for XXXXX XXXXX XXXXX XXXX is also needed to confirm if there are XXXX dues. | Payment received includes escrows/ document received no XXX | 04/05/2025 | A | 1 | XXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640170 | XXXXXX | XXXXXX | 7140287 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX residence rental income calculated as XXXX XXXXXX to support rental income and calculation is needed. | Received rent estimate for XXXX per month | Reviewer 04/04/2025 05:05 PM; The rental income used in qualifying was XXXXXX |
04/05/2025 | A | 1 | XXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640173 | XXXXXX | XXXXXX | 7140290 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided | 04/21/2025 | A | 1 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640173 | XXXXXX | XXXXXX | 7140291 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX | Compensating XXXXX XXXXX XXXXX not a credit abuser; XXXX equity upon completion of purchase; XXXXX from bridge loan | 04/23/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640175 | XXXXXX | XXXXXX | 7140293 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXX housing payment XXXX to be documented. (missing mtg stmt, taxes and insurance & no XXXX | Primary XXXX XXXXX within tolerance XXXXX XXX | 03/31/2025 | A | 1 | XXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640176 | XXXXXX | XXXXXX | 7140295 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX management has also approved a non-arm’s length transaction at XXXX XXXX XXX in file from purchase. | Previous mortgage history for XX years, no delinquency. XXXX XXXX of XXXX XXXXX residual income XXXX | 04/08/2025 | B | 2 | XXXX | NC | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640176 | XXXXXX | XXXXXX | 7140296 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX management exception for seasoning requirement (cash-out on property with less than XX months of ownership). | Previous mortgage history for XX years, no delinquency. XXXX XXXX of XXXX XXXXX residual income XXXX | 04/08/2025 | B | 2 | XXXX | NC | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640176 | XXXXXX | XXXXXX | 7140297 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | minimum XXXXX requirement of XXXX for a cash out refinance. | Previous mortgage history for XX years, no delinquency. XXXX XXXX of XXXX XXXXX residual income XXXX | 04/08/2025 | B | 2 | XXXX | NC | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640177 | XXXXXX | XXXXXX | 7140299 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXX score was XXXXX is XXXX to use cash-out as reserves | Exception to use cash out to cover reserves with a XXXX XXXXX XXXXX XXXXX XXXX equity in subject property, longtime property ownership, borrower has lived in the property since XXXX XXX payment history for XX years even through XXXXX | 04/02/2025 | B | 2 | XXXX | CA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640178 | XXXXXX | XXXXXX | 7140300 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXX history must be XXXX for XXX months. XXXX XXXXXX no mortgage history verification for the past XXX months. | Compensating XXXXX XXXX credit, XXX years credit depth, XXX and XX yrs on job, XXXX fico and low ltv. | 04/21/2025 | B | 2 | XXXX | CO | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640179 | XXXXXX | XXXXXX | 7140301 | 258 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Completion Certification | XXXX with photos missing from file | XXXXD received with XXXX | 04/15/2025 | A | 1 | XXXX | ID | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1640179 | XXXXXX | XXXXXX | 7140302 | 267 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Certificate of Occupancy | XXXXX county missing from file. | Occupancy affidavit in file with county XXXX | 04/15/2025 | A | 1 | XXXX | ID | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1640181 | XXXXXX | XXXXXX | 7141714 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX approval in file, XXXXX management approved subject property agricultural zoning and location in an XXXX with an XXXX for runway access provided XXXXX is above XXX there are no deed restrictions and max stacked pts XXXXX is XXXX XXXX is XXXXX and missing evidence of no deed restrictions. XXXX updated approval that meets all loan variables | Title XXXXX and XXXXX provided. | 04/29/2025 | A | 1 | XXXX | FL | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640182 | XXXXXX | XXXXXX | 7140307 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided | 04/22/2025 | A | 1 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640182 | XXXXXX | XXXXXX | 7140308 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX – XXX least XX XXXX XXXX tradeline requirements can be waived for borrowers with a minimum of XX years credit history and XXXXX | DEVIATION: XXX XXXXX tradelines XXXXX XXXXX of XXXXX for loan program, XXXX XXXXX on credit report, XXXX a credit abuser & XXXXX reserve level | 04/22/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640182 | XXXXXX | XXXXXX | 7140309 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXX borrowers who own a home XXXXX & XXXXX payment shock is considered for reasonableness and should be reviewed by XXXXX XXXXX | DEVIATION: XXXX shock exceeding XXX since departure XXXX is XXXXX & XXXX XXXXX XXXXX of XXXXX for loan program, XXXX XXXXX on credit report, XXXX a credit abuser & XXXXX reserve level | 04/22/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640183 | XXXXXX | XXXXXX | 7140311 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX payment shock when XXXX is over XXXX is XXX XXXX XXXXXX shock is at XX | Compensating XXXXX XXX mortgage history and good credit, plenty of assets for reserves, longtime business ownership, XXXX fico score and low XXXXX | 04/15/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640187 | XXXXXX | XXXXXX | 7140316 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX was missing from the loan file. XXXX credit review is on hold until documents have been received. | Documentation provided | 04/10/2025 | A | 1 | XXXX | MD | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640187 | XXXXXX | XXXXXX | 7140317 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents received. | Documentation provided | 04/10/2025 | A | 1 | XXXX | MD | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640187 | XXXXXX | XXXXXX | 7140318 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX loan approval, and final XXX analysis to be completed with XXXX XXXXX & XXXXX | Loan XXXXX provided. | 04/10/2025 | A | 1 | XXXX | MD | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640188 | XXXXXX | XXXXXX | 7140320 | 108 | XXXX | Compliance | Deed of Trust/Mortgage | Deed of Trust/Mortgage - is missing. | XXXX to photocopy error, the auditor could not determine whether the file contained all pages of the XXXXX of XXXX XXXXX complete copy of XXXXX of XXXX was provided. | 04/18/2025 | A | 1 | XXXX | NM | 1 | 13 | D | A | C | A | D | A | A | A | Non-QM | 1 | ||||||||
| 1640188 | XXXXXX | XXXXXX | 7140321 | 530 | XXXX | Compliance | Right to Cancel | Right to Cancel - Compliance \ Right to Cancel - Signed and dated by all borrowers & parties on title | XXXX XXXX XXX XXXXX was not signed by the borrower. XXXX signed copy and date of signature. | 04/18/2025 | A | 1 | XXXX | NM | 1 | 13 | D | A | C | A | D | A | A | A | Non-QM | 1 | ||||||||
| 1640189 | XXXXXX | XXXXXX | 7141539 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require XX months proof of lease rent; borrower provided XX month proof of rent | Compensating factors; good credit, good reserves. | 04/02/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640189 | XXXXXX | XXXXXX | 7141540 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX payment shock max XXXXX when XXXX is over XXXXX borrower payment shock is XXXX | Compensating factors; good credit, good reserves. | 04/02/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640190 | XXXXXX | XXXXXX | 7140328 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX depletion is not allowed on foreign national loans. XXXX XXXXXX asset depletion on this loan. | Compensating XXXXXXX credit debt, not a credit abuser, XXX yrs on job, XXXX ltv and XXXX fico. | 04/11/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640190 | XXXXXX | XXXXXX | 7140329 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX loan amount for foreign national loan is XX million XXXX XXXXX amount is over XX million | Compensating XXXXX XX yr credit debt, not a credit abuser, XXX yrs on the job, XXXX ltv and XXXX fico | 04/11/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640190 | XXXXXX | XXXXXX | 7140330 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX closing disclosure for bridge loan with funds to the borrower in the amount of XXXXXXX | CD provided | 04/14/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640193 | XXXXXX | XXXXXX | 7140331 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX kitchens required for condotels. XXXX has a kitchenette. | Compensating factors: XXX mortgage and overall recent credit history. XXXX investor owning XX properties in XXXX, XXXXXX XXXX with annual income of XXXXX | 03/31/2025 | B | 2 | XXXX | UT | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640193 | XXXXXX | XXXXXX | 7140332 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX square footage XXXX XXXX is XXXX sf. | Compensating factors: XXX mortgage and overall recent credit history. XXXX investor owning XX properties in XXXX, XXXXXX XXXX with annual income of XXXXX | 03/31/2025 | B | 2 | XXXX | UT | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640195 | XXXXXX | XXXXXX | 7140333 | 258 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Completion Certification | XXXX completed subject to repairs. XXXXX evidence repairs have been completed to be provided | received final inspection | 04/10/2025 | A | 1 | XXXX | CA | 3 | 13 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1640196 | XXXXXX | XXXXXX | 7140334 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided | 04/21/2025 | A | 1 | XXXX | WA | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640199 | XXXXXX | XXXXXX | 7140976 | 870 | XXXX | Compliance | Appraisal | Appraisal - Other: | XXXXX provide updated appraisal that reflects the correct county of XXXX per legal description. | Information provided | 05/06/2025 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640199 | XXXXXX | XXXXXX | 7140977 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX self-employed for XXXXX years. XXXXX require XX years self-employment | Compensating factors; XXXXX income XXXXXXXX required XXXXX XXXXX after close XXXX XXXX credit history. | 04/27/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640200 | XXXXXX | XXXXXX | 7140337 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX statement to confirm escrow of taxes/insurance for XXXXX XXXXX XXXX | received mortgage statement with escrow | 04/08/2025 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640200 | XXXXXX | XXXXXX | 7140338 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX statement to confirm escrow of taxes for financed land with XXXXX XXXX & XXXX | received tax documentation included in XXXXX XXX | 04/08/2025 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640200 | XXXXXX | XXXXXX | 7140339 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX is needed to confirm if there are XXXX dues for XXXXX XXXXX XXX & XXXXX | Tax records received reflect XXXX and not XXX | 04/08/2025 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640200 | XXXXXX | XXXXXX | 7140340 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX years self-employed approved by senior management | Credit paid XXXX XX open and XX paid mortgages paid XXXXX XXXX years in same line of work with good earnings history. XXXX down payment from own funds. XXX mos. reserves. | 04/08/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640201 | XXXXXX | XXXXXX | 7140342 | 862 | XXXX | Compliance | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | XXXX executed deed of trust is missing from file. | Information provided | 04/29/2025 | A | 1 | XXXX | MA | 1 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640202 | XXXXXX | XXXXXX | 7140343 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documentation provided | 04/23/2025 | A | 1 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640202 | XXXXXX | XXXXXX | 7140344 | 326 | XXXX | Credit | UW Credit | UW Credit - UW - Evidence Satisfaction of Debt | XXXXXX required to support omitting debt wit XXXX card with XXXXX pmt and XXXX balance from XXXX | Statement provided showing zero balance | Reviewer 04/24/2025 09:28 AM; Documents received did not reflect this account was paid off. XXXX the XXXXX to include this debt |
04/25/2025 | A | 1 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640202 | XXXXXX | XXXXXX | 7140345 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX with XXXX reflects as differed, however no date provided. | Exception granted: XXXXX XXXXX XXXXX depth of XXX years, with mortgages all paid as agreed. XXXX homeowner with departing residence ownership of XXX years. | 04/23/2025 | B | 2 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640202 | XXXXXX | XXXXXX | 7140346 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX income borrowers XXXX XXXX exceeds maximum of XXX | Exception granted: XXXXX XXXXX XXXXX depth of XXX years, with mortgages all paid as agreed. XXXX homeowner with departing residence ownership of XXX years. | 04/23/2025 | B | 2 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640203 | XXXXXX | XXXXXX | 7141262 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | TPS XXXX XXXX | 04/21/2025 | A | 1 | XXXX | CA | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640206 | XXXXXX | XXXXXX | 7140351 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX borrower must be XX years self-employed for this program and the borrower just started as self-employed in XXXX | The exception was granted for the borrower being self-employed less than XX years with the following compensating factors: XXXX XXXX of XXXX XXXX borrower has been in the same line of work for XXX years. XXXX borrower has XXX years credit depth and a XXXXX of XXXXX | 04/21/2025 | B | 2 | XXXX | WI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640208 | XXXXXX | XXXXXX | 7140352 | 389 | XXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | XXXX fraud report | CoreLogic report provided | 04/22/2025 | A | 1 | XXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640209 | XXXXXX | XXXXXX | 7140978 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided | 04/22/2025 | A | 1 | XXXX | WA | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640214 | XXXXXX | XXXXXX | 7140355 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX loan amount is XXXXXX amount is XXXX | Compensating XXXXXXX investor, currently owns XX investment properties, has owned primary since XXXX all mortgages and consumer credit paid on time and XXXX credit score | 04/21/2025 | B | 2 | XXXX | NC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640215 | XXXXXX | XXXXXX | 7140356 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX guidelines minimum square footage XXXX sqft; subject is XXX | Compensating factors; seasoned investor, XXX months reserves, XXXX credit score. | 04/19/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640216 | XXXXXX | XXXXXX | 7140357 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final bridge XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided | 04/21/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640216 | XXXXXX | XXXXXX | 7140358 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX not met with primary housing free and clear | Exception granted: XXXXX XXXXX XXXXX XXXX credit paid as agreed, owner of current residence for XXX years. | 04/21/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640217 | XXXXXX | XXXXXX | 7140359 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | XXXXX evidence borrower is XXXXX owner, or owns all XXXX shares. | Received XXXXX owner documentation | 04/24/2025 | A | 1 | XXXX | CA | 2 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640218 | XXXXXX | XXXXXX | 7140360 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXX requires acceptable XXXXX and XXXXXX XXXXX XXXXX provided) | Exception granted: XXXX investor, owning several properties, XXXXX history paid as agreed, XXXX equity in subject with XXX XXXX | 04/23/2025 | B | 2 | XXXX | NV | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640219 | XXXXXX | XXXXXX | 7140361 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX was not included with the loan file. XXXXX XXXXX XXXXX states XXXX XXXX was XXX | information provided and accepted | 04/25/2025 | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640220 | XXXXXX | XXXXXX | 7140362 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower's credit report and the final XXX for the sale of departing residence are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided | 04/21/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640221 | XXXXXX | XXXXXX | 7140979 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided | 04/21/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640222 | XXXXXX | XXXXXX | 7140367 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | No XXXXX XXXXX XXXX final approval | Client 04/21/2025 12:28 PM; Hi, there is no bridge for this loan. XXXX Reviewer 04/21/2025 12:33 PM; Reviewer 04/22/2025 11:09 AM; This has been cleared.
 
 XXXX |
04/22/2025 | A | 1 | XXXX | NC | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640222 | XXXXXX | XXXXXX | 7140368 | 1055 | XXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final approval is missing from the loan file. XXXX credit review is on hold until documents are received. | Document provided | 04/22/2025 | A | 1 | XXXX | NC | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640224 | XXXXXX | XXXXXX | 7140371 | 321 | XXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | XXXXX to document XXXX expenses for both properties owned by borrower. | Received mortgage statements including escrow | 04/17/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640224 | XXXXXX | XXXXXX | 7140374 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XX XXXX letter addressing business funds used for closing costs and reserves, per email from management | CPA letter provided. | 04/17/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640226 | XXXXXX | XXXXXX | 7140381 | 1068 | XXXX | Credit | UW Other | UW Other - Fraud Alert was not addressed | XXXX XXXXX was no provided with the loan file | Fraud alerts cleared with documentation in file. | Client 04/09/2025 05:08 PM; Fraud alerts cleared with documentation in file. XXXXX clear or escalate further. XXXX you. Reviewer 04/09/2025 08:50 PM; Condition has been reviewed. XXX |
04/09/2025 | A | 1 | XXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640227 | XXXXXX | XXXXXX | 7140382 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX XXXX with a XXXXX XXXXX | Received XXX XXXXX approval of XXXX | 04/10/2025 | A | 1 | XXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640229 | XXXXXX | XXXXXX | 7140383 | 1067 | XXXX | Compliance | Flood Insurance | Flood Insurance - Policy address is incorrect or missing | XXXX policy has incorrect property address, please provide updated policy with XXXX XX XXXX | Information provided | 05/02/2025 | A | 1 | XXXX | CA | 1 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640231 | XXXXXX | XXXXXX | 7140384 | 437 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX XXXXX verification of employment for coborrower XXX income with XXXX XXX XXXX XXXXX XXXX | WX earnings shown on XXX | 04/24/2025 | A | 1 | XXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640231 | XXXXXX | XXXXXX | 7140386 | 437 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX XXXXX verification for borrower income with XXX XXXX | received XXXX | 04/24/2025 | A | 1 | XXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640231 | XXXXXX | XXXXXX | 7140387 | 1024 | XXXX | Credit | UW Assets | UW Assets - UW - Gift Receipt | XXXX XXX to show additional gift received of XXXXX over an above XXXXX gift for XXX | received documentation for wire | 04/24/2025 | A | 1 | XXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640232 | XXXXXX | XXXXXX | 7140981 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require management approval to use XXXX of the loan balance as the payment amount for student loans not reporting a payment amount and not showing as deferred. XXXX was used for the XX student loan accounts instead of the standard XXXX of balance. | Compensating XXXXX for program; XXXXX cash down payment; XXXXX employment history that indicates stability and a likelihood of continue income flow. | 04/20/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640233 | XXXXXX | XXXXXX | 7140392 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX approval required for subject property sq footage under XXX | Compensating XXXXX XXXXX XXXXX XX previous mortgages excellent pay history, with current employer for XXXXX years, XXXX mid score | 04/09/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640234 | XXXXXX | XXXXXX | 7140395 | 861 | XXXX | Compliance | Note | Note - Other: | XXXX XXXX of XXXXX was not found in the file. XXXX fully completed, executed and notarized document. | Information provided | 04/22/2025 | A | 1 | XXXX | GA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640235 | XXXXXX | XXXXXX | 7140397 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX gross assets of XXXX not met with XXXXXX available funds | Exception granted: XXXXX XXXXX XXX file since XXXX XXXXX after close XXXX XXXXX XXXX longevity of employment, satisfactory rental history, not a credit abuser. | 04/18/2025 | B | 2 | XXXX | TN | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640238 | XXXXXX | XXXXXX | 7140399 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require proof of repairs be provided by the XXXX XXXX from XXXX indicates repairs are ongoing. | Compensating XXXXX XXXX debt ratio; XXXXX residual income; XXXXX income from good quality job; XXXX XXXX for program; XXXXX cash down payment; XXXXX cash reserve level; XXXXX credit; not a credit abuser; XXXXX employment history that indicates stability and a likelihood of continue income flow. | 04/20/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640239 | XXXXXX | XXXXXX | 7140400 | 72 | XXXX | Compliance | Closing Package | Closing Package - | XXXX XXXXX XXXXX XXXX and XXXX (form XXXXX XXXX is missing from file. | Information provided | 04/17/2025 | A | 1 | XXXX | TX | 1 | 13 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640239 | XXXXXX | XXXXXX | 7140401 | 389 | XXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | XXXX XXXXX is missing from this file. XXXXX provide XXXX XXXXX for review | CoreLogic XXXXX provided. XXXXXX that addresses fraud report findings has been provided in initial upload. | Client 04/23/2025 06:06 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | TX | 1 | 13 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640239 | XXXXXX | XXXXXX | 7140402 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX require two years self employed; borrower switched to XXXXX employee in XXXX XXXX with a co-company of his previous employer. | Compensating factors; XXXX credit XXXXX in assets XXXX months reserves, residual income XXXX | 04/22/2025 | B | 2 | XXXX | TX | 1 | 13 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640240 | XXXXXX | XXXXXX | 7140403 | 437 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX for XXX & XXX are not dated | Received XXX day XXXX | 04/30/2025 | A | 1 | XXXX | TX | 1 | 13 | D | B | D | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640240 | XXXXXX | XXXXXX | 7140404 | 272 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX not in XXXXX XXX XXXX – XXXXX manager approval to use appraisal | Received management approval to use appraisal. | 04/30/2025 | A | 1 | XXXX | TX | 1 | 13 | D | B | D | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640240 | XXXXXX | XXXXXX | 7140405 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | * XXXXX XX months seasoning required XXXXX less than XX months is permitted with XXXXX | DEVIATION: XXXXX XXXXX XXXXX purchased XXXX XXXXX XXXXX XXX derogatory credit on credit report, XXXX XXXXX XXXXX XXXXXX & XXXXX XXXXX | 04/28/2025 | B | 2 | XXXX | TX | 1 | 13 | D | B | D | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640242 | XXXXXX | XXXXXX | 7140407 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX property to be reviewed by XXXXX if unique and large acreage | Exception approved by XXXXX for a XXXX property. XXXXX XXXXX XXXXX income over XXXXX XXXX shock close to XXX borrowers are used to this payment amount, credit payment history mostly XXXX despite one-off late not reflective of overall history. | 04/24/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640242 | XXXXXX | XXXXXX | 7140408 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX was not included with the loan file. | information provided and accepted | 04/25/2025 | A | 1 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640243 | XXXXXX | XXXXXX | 7140409 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX income from collateralized note must have XX months of receipt of note income. XXXX XXXXXX note income without documenting receipt. | Compensating XXXXX XXX credit history, significant equity in subject property, XXXX history of homeownership, prior primary owned for over XXX years, low XXXX and XXXX fico score. | 04/20/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640243 | XXXXXX | XXXXXX | 7140410 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX shock to be under XXXX for XXXX over XXXXXX shock due to XXXX departing residence. | Compensating XXXXX XXX credit history, significant equity in subject property, XXXX history of homeownership, prior primary owned for over XXX years, low XXXX and XXXX fico score | 04/20/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640244 | XXXXXX | XXXXXX | 7140411 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX amount XXXX below minimum XXXX | Exception approval received for loan amount of XXXXXX paid as agreed, XX year job stability, XXXXX XXXX of XXX years. | 04/24/2025 | B | 2 | XXXX | AZ | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640244 | XXXXXX | XXXXXX | 7140412 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXX does not meet minimum XXXXX XXX | Exception granted: XXXX XXXXX paid as agreed, XX year job stability, XXXXX XXXX of XXX years. | 04/23/2025 | B | 2 | XXXX | AZ | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640244 | XXXXXX | XXXXXX | 7140413 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX of XXXX is required to use cash out for reserves | Exception granted: XXXX XXXXX paid as agreed, XX year job stability, XXXXX XXXX of XXX years. | 04/23/2025 | B | 2 | XXXX | AZ | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640244 | XXXXXX | XXXXXX | 7140414 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX shock XX not met with XXXX | Exception granted: XXXX XXXXX paid as agreed, XX year job stability, XXXXX XXXX of XXX years. | 04/23/2025 | B | 2 | XXXX | AZ | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640245 | XXXXXX | XXXXXX | 7140418 | 389 | XXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | XXXX XXXXX is missing from this file | CoreLogic report provided | 04/23/2025 | A | 1 | XXXX | MS | 1 | 1 | C | A | C | A | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640248 | XXXXXX | XXXXXX | 7140419 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX for credit score - minimum credit score is XXXXX qualifying score used is XXX | Compensating XXXXX XXXX mortgage payment history - XXXX residence will be an investment property over XXX months of XXXX in reserves | 04/25/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640248 | XXXXXX | XXXXXX | 7140420 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX amount is XXXXX million, subject loan amount is XXXXX | Compensating XXXXX XXXX mortgage payment history - XXXX residence will be an investment property over XXX months of XXXX in reserves | 04/25/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640248 | XXXXXX | XXXXXX | 7140421 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX shock max is XXXXX subject loan payment shock is XXXXX | Compensating XXXXX XXXX mortgage payment history - XXXX residence will be an investment property over XXX months of XXXX in reserves | 04/25/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640250 | XXXXXX | XXXXXX | 7140423 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX must be XX years XXXXXX for the program. XXXX borrower is less than XX year XXXXXXX | The exception was approved for the borrower being XXXXXX less than XX years with the following compensating factors: XXXXX is XXXX with rent history paid on time; XXXXX has reserves at closing for XXXXX XXXX qualifying income is by previous year income and future income is XXXX higher. | 04/21/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1640250 | XXXXXX | XXXXXX | 7140424 | 351 | XXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX XXXXX to XXXXX XXXX for the XXXX XXXXX XXXXX is XXXX and the borrowers XXXXX to XXXXX XXXX is XXXX | The exception was approved for higher than max XXXX for program with the following compensating factors: XXXXX is XXXX with rent history paid on time; XXXXX has reserves at closing for XXXXX XXXX qualifying income is by previous year income and future income is XXXX higher. | 04/21/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1640250 | XXXXXX | XXXXXX | 7140425 | 272 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX is in a declining market. | The exception was approved for property in a declining market with the following compensating factors: XXXXX is XXXX with rent history paid on time; XXXXX has reserves at closing for XXXXX XXXX qualifying income is by previous year income and future income is XXXX higher. | 04/21/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1640251 | XXXXXX | XXXXXX | 7140426 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX required for XXXXX for XXXX XXXX resident XXXX requires a minimum of XXX months housing payment. XXXXX has XX months rental payments. | Compensating XXXXX XXXX XXXX history shown on XXX and XXX XXXXX XXXXX XX months reserves | 04/22/2025 | B | 2 | XXXX | VA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640251 | XXXXXX | XXXXXX | 7140427 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX required for XXXXX requires XXXXX time investors to own their primary residence , borrower currently rents. | Compensating XXXXX XXXX XXXX history shown on XXX and XXX XXXXX XXXXX XX months reserves | 04/22/2025 | B | 2 | XXXX | VA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640251 | XXXXXX | XXXXXX | 7140428 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX required for XXXXX for loan amount less than XXXX subject loan amount is XXXX | Compensating XXXXX XXXX XXXX history shown on XXX and XXX XXXXX XXXXX XX months reserves | 04/22/2025 | B | 2 | XXXX | VA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640251 | XXXXXX | XXXXXX | 7140429 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX required for XXXXX for XXXX XXXX resident XXXX with less than XX years of XXX credit history. | Compensating XXXXX XXXX XXXX history shown on XXX and XXX XXXXX XXXXX XX months reserves | 04/22/2025 | B | 2 | XXXX | VA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640251 | XXXXXX | XXXXXX | 7140430 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX report required for all loans, subject loan is missing the fraud report. | CoreLogic XXXXX provided. XXXXXX that addresses fraud report findings has been provided in initial upload. | Client 04/23/2025 06:02 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/24/2025 05:03 AM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | VA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640251 | XXXXXX | XXXXXX | 7140431 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX guidelines, an unexpired copy of the borrowers passport is required | Received current XXX XXXXX and passport | 04/22/2025 | A | 1 | XXXX | VA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640252 | XXXXXX | XXXXXX | 7140984 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX loan is a non-arms-length transaction. | The exception for this loan being a non-arms-length transaction was granted with the following compensating factors: XXXXX credit XXXXX is XXXXX not a credit abuser; XXXX XXXX with reserves after closing of XXXXX and the borrower has good job stability for XX years. | 04/28/2025 | B | 2 | XXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640254 | XXXXXX | XXXXXX | 7141533 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX approval for XXXXX less than XXXX subject XXXXX is XXXX | Compensating XXXXX XXXX mortgage history- with two other properties owned free and clear XXXXX XX months XXXX in reserves | 04/22/2025 | B | 2 | XXXX | GA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640255 | XXXXXX | XXXXXX | 7140436 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX shock max is XXXX subject property is free and clear | Compensating factors; XXXX credit score, XXXX ltv borrower owns home free and clear. | 04/20/2025 | B | 2 | XXXX | OH | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640258 | XXXXXX | XXXXXX | 7140438 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX copy of final XXXXX with both borrowers start dates for business and employment. XXXX from the XXXXX and file information. | Received XXXXX with employment dates | 04/22/2025 | A | 1 | XXXX | MA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640258 | XXXXXX | XXXXXX | 7140439 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX the updated corrected XXXX commitment reflecting loan amount of XXXXXXX | updated title received | 04/23/2025 | A | 1 | XXXX | MA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640259 | XXXXXX | XXXXXX | 7140440 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX payment shock XXXX XXXXX payment shock is XXXXX | Compensating XXXXX XX months of reserves above the minimal XX months required. XXXXX income of XXXX above the minimal requirement of XXXX XXXXX history paid as agreed. XXX years at current residence. XXX years at current employer | 04/24/2025 | B | 2 | XXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640260 | XXXXXX | XXXXXX | 7140441 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX payment shock is XXXX when XXXX is over XXXX | Exception allowing payment shock over XXXX for XXXX of XXXX XXXXX XXXXX XXX XXXXX history and overall XXXX credit profile, XXXXXX in assets, XXXXX in residual income. | 04/23/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640260 | XXXXXX | XXXXXX | 7140442 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX over XXXX require XX full appraisals | Exception allowing XX appraisal and XX appraisal reviews instead of XX full appraisals. XXXXX XXXXX XXX XXXXX history and overall XXXX credit profile, XXXXXX in assets, XXXXX in residual income. | 04/23/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640261 | XXXXXX | XXXXXX | 7140444 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX needed for mixed use property. | Compensating XXXXXX XXXXX XXXXX history XX times XXX in XX years. | 04/29/2025 | B | 2 | XXXX | MA | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1640543 | XXXXXX | XXXXXX | 7140819 | 328 | XXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXX XXXX for borrower's departing residence to verify the most recent XXX months housing history. | received payment history | Reviewer 04/02/2025 05:59 PM; Documents received did not include the mortgage payment history for borrower's departing residence mortgage with XXX |
05/15/2025 | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640635 | XXXXXX | XXXXXX | 7141054 | 970 | XXXX | Compliance | Compliance | Compliance - CD- Missing | XXXX XXX is missing, only the final XXX is provided. | Information provided | 03/18/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640635 | XXXXXX | XXXXXX | 7141055 | 884 | XXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 03/18/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1640635 | XXXXXX | XXXXXX | 7141056 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXXX approval to remove XXXX exception over XXXX since XXXX does not exceed XXX | received revised approval | 03/24/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640635 | XXXXXX | XXXXXX | 7141057 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX XXXXX bridge loan XXX evidencing no less than XXXXXX to borrower paying off lien with XXXXX XXX | Net received XXXX from XXXXX loan/sufficient cash for closing. | 03/19/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640635 | XXXXXX | XXXXXX | 7141058 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX evidence of XXXX monthly of XXXX for departing bridge loan property added to XXXX | Received XXXX XXXX included in XXXX XXXXX | 03/19/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640635 | XXXXXX | XXXXXX | 7141063 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX pages required for XXXX statement with XXXXX statement dated XXXXX evidencing ending balance XXXX XXXXX with combined balance XXXX evidencing XXX XXXXX clearing- only pages XX & XX were provided of XX page statement. | received XXXX statements | 03/24/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640635 | XXXXXX | XXXXXX | 7141064 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX loan analysis to show XXXX of XXXX monthly to belong to XXXXX and not XXXX | Received revised loan analysis | 05/19/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1640700 | XXXXXX | XXXXXX | 7141139 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXX > XXX | Collateral is above-average XXXXX condition, putting down XXXXX of own funds, all consumer credit is paid XX | 04/09/2025 | B | 2 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1640700 | XXXXXX | XXXXXX | 7141140 | 327 | XXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Rental | XXXXX reflects borrower is renting at current residence. XXXX is needed | VOR requirement cleared by XXXXX XXXXX | 04/14/2025 | A | 1 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1640700 | XXXXXX | XXXXXX | 7141141 | 272 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX appraisal is management approved. XXXX inspection in file. | received final inspection | 04/10/2025 | A | 1 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1640700 | XXXXXX | XXXXXX | 7141142 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX used to qualify and standard income documentation required. XXXX approval in file to allow employment contract only. | Collateral is above-average XXXXX condition, putting down XXXXX of own funds, all consumer credit is paid XX | 04/10/2025 | B | 2 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1640189 | XXXXXX | XXXXXX | 7141541 | 852 | XXXX | Credit | Hazard Insurance | Hazard Insurance - H06 Policy required when master policy does not provide walls-in coverage | XXXX confirmation that XXXXX policy covers wall-in | Documentation received | Client 04/04/2025 11:09 AM; Hi, per loan underwriting analysis, there is no XXXX policy as the master policy covers betterments and improvements. XXXX Reviewer 04/04/2025 11:16 AM; Reviewer 04/04/2025 11:42 AM; This has been cleared.
 
 XXXX |
04/04/2025 | A | 1 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640205 | XXXXXX | XXXXXX | 7140350 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX was not included with the loan file. | CoreLogic XXXXX provided | Client 04/23/2025 06:22 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX Client 04/24/2025 01:56 PM; Please confirm if this finding has been cleared, still showing as as active on our end. XXXX you. Reviewer 04/24/2025 03:05 PM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | NH | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640221 | XXXXXX | XXXXXX | 7140980 | 389 | XXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | XXXX documentation with medium and high alerts addressed. | CoreLogic XXXXX provided. | Client 04/23/2025 06:20 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640224 | XXXXXX | XXXXXX | 7140373 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXXX is missing from file. | CoreLogic XXXXX provided | Client 04/21/2025 05:43 PM; Documentation in file addresses fraud report alerts. XXXXX clarify what alerts still need to be addressed. XXXX you. Reviewer 04/22/2025 08:09 AM; Condition has been reviewed. XXX |
04/22/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640231 | XXXXXX | XXXXXX | 7140385 | 1015 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - IRS Transcripts required | XXXXX XXX XXXX for XXXXX & XXXXX for borrower income with XXX XXXXX XXX | Loan XXXXX states XXXXX XXXXX approval to use XXXXX in place of XXXX | Reviewer 04/24/2025 04:15 PM; Documents provided did not include XXX transcripts for borrower income with XXX XXXXX XXX Client 04/29/2025 04:27 PM; Our guidelines do not require XXXX income for XXXXX income. XXXX you. Reviewer 04/29/2025 08:43 PM; Condition has been reviewed. XXX |
04/29/2025 | A | 1 | XXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640233 | XXXXXX | XXXXXX | 7140393 | 328 | XXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXX of XXXXX not reported on credit for additional investment condo XXXXX XXXX XXXX | Received mortgage statement XXXXX | Reviewer 04/10/2025 11:06 AM; The XXXXX would need to be confirmed as the XXXXX XXXXX show payments of XXXXX the XXXX shows XXXX Client 04/10/2025 11:49 AM; Hi, additional XXXX a month would not impact XXXX calculations. XXXX Reviewer 04/10/2025 12:37 PM; Condition has been reviewed. XXX |
04/10/2025 | A | 1 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640234 | XXXXXX | XXXXXX | 7140396 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX fraud report for both borrowers (individually) | CoreLogic XXXXX provided. XXXXXX that addresses fraud report findings has been provided. | Client 04/23/2025 06:08 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | GA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640249 | XXXXXX | XXXXXX | 7140422 | 389 | XXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | missing fraud report | CoreLogic XXXXX provided. | Client 04/23/2025 06:02 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/24/2025 05:03 AM; Condition has been reviewed. XXX Client 04/24/2025 11:26 AM; Can you please confirm if this finding has been cleared, still showing as a finding on our end. XXXX you. Reviewer 04/24/2025 03:05 PM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640262 | XXXXXX | XXXXXX | 7140445 | 389 | XXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | XXXXX | Documents provided | Client 04/25/2025 11:33 AM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/25/2025 03:42 PM; condition cleared |
04/25/2025 | A | 1 | XXXX | FL | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640635 | XXXXXX | XXXXXX | 7141060 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX pages required for XXXX statement with XXXXX for XXXXXX ending XXXXXX only pages XX of XX were provided. | Received XXXX XXXXX XXXXX | Reviewer 03/24/2025 04:53 PM; Received XXXX statements from XXXX XXXX for XXXXX and XXXXX XXXX not receive statement for XXXX Reviewer 04/15/2025 04:50 PM; Documents received did not include statement XXXX Reviewer 05/19/2025 11:07 AM; Did not receive all pages of the XXXXX and XXXXX XXXXX XXXX statements for XXXX |
05/19/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1640084 | XXXXXX | XXXXXX | 7140456 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | XXXXX evidence borrower is XXXXX sole owner of business | Received evidence of business ownership by borrower | Client 03/05/2025 01:27 PM; LLC docs in file confirm ownership. XXXX you. Reviewer 03/05/2025 04:52 PM; Condition has been reviewed. XXX |
03/05/2025 | A | 1 | XXXX | AZ | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640103 | XXXXXX | XXXXXX | 7140121 | 898 | XXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX tolerance violation of XXXXX due to increase in appraisal management fee with no valid coc. XXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. | Information provided | Reviewer 03/11/2025 01:41 PM; No documentation provided Reviewer 03/13/2025 12:20 PM; Received invoice reflecting the refund. XXXX need XXXXX reflecting the correct appraisal mgmt fee since the refund was issued before the final XXX Reviewer 03/13/2025 04:10 PM; PCCD provided does not reflect the correct app mgmt fee of XXXX XX new XXXXX is required with corrections Client 03/13/2025 04:18 PM; Please clarify, on page XXX it states XXXX XXXXX fee as XXXX now. XXXX Reviewer 03/13/2025 06:37 PM; Reviewer 03/14/2025 11:53 AM; Invoice provided has already been provided. XXX need a XXXXX to reflect the borrower was refunded the money. Reviewer 03/14/2025 12:13 PM; Hello
 XXXXX has been cleared.
 
 XXXX |
03/14/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||
| 1640117 | XXXXXX | XXXXXX | 7140167 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | XXXXX of ownership for each borrower required (assuming XXXXX | No income for co-borrower used. XXXXX of their company. XXXX is married to the borrower. | Client 04/03/2025 01:03 PM; No income for co-borrower used. XXXXX of their company. XXXX is married to the borrower. Reviewer 04/03/2025 01:33 PM; Condition has been reviewed. XXX |
04/03/2025 | A | 1 | XXXX | MS | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640131 | XXXXXX | XXXXXX | 7140196 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX is a clergy member and a copy of the employment contract or a resolution from the church board or governing group certifying the terms of employment is required. | The XXXX contains the annual salary amount. | Reviewer 03/20/2025 04:01 PM; Document received did not include a copy of the employment contract certifying the terms of employment is required. Client 03/21/2025 11:58 AM; Hi, the work number provides the employment data required and necessary. XXXX Reviewer 03/21/2025 12:30 PM; Condition has been reviewed. XXX |
03/21/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640143 | XXXXXX | XXXXXX | 7140233 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX to be dated within XXX days of note date XXXXX | When XXXX is missing a date XXXXX uses the file start date. XXXXX start date XXXXX | Client 04/03/2025 05:17 PM; When XXXX is missing a date we use the file start date. XXXXX start date XXXX XXXX you. Reviewer 04/04/2025 08:07 AM; Condition has been reviewed. XXX |
04/04/2025 | A | 1 | XXXX | UT | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640098 | XXXXXX | XXXXXX | 7141521 | 324 | XXXX | Credit | UW Credit | UW Credit - UW - Debt Calculations Incorrect | XXXX XXXXX XXXX xXXXX with XXXXX balance to confirm payment of XXXX monthly installment loan. | Aqua XXXX has no monthly payment reporting on XXXXX XXXXX XXX of the balance for monthly payment to be conservative. XXXX credit report only shows this debt as “installment” | Client 03/24/2025 12:51 PM; Aqua XXXX has no monthly payment reporting on XXXXX XXXXX XXX of the balance for monthly payment to be conservative. XXXX credit report only show this debt as “installment” . XX blurb has been added to the credit approval notes. XXXX you. Reviewer 03/24/2025 02:04 PM; Condition has been reviewed. XXX |
03/24/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640151 | XXXXXX | XXXXXX | 7140247 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX manager approval for declining market for the subject property | Approved XXXX for XXXX XXXX in declining market | Reviewer 04/10/2025 07:53 AM; Loan XXXXX states XXXX of XXXX approved with XX appraisals. XXXXX does not mention declining market. XXX Reviewer 04/11/2025 11:56 AM; Approved XXXX for XXXX XXXX in declining market |
04/11/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640152 | XXXXXX | XXXXXX | 7140253 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX approval with exception granted for co-borrowers missing XXXXX income documentation. XXXXX was mentioned in email and was not on the approval. | Received XXX XXXXX approval for lack of XXXXX income/ XXXX borrowers home is free and clear; XXXX XXXX is XXXX XXXX primary borrower has a XXXXX of XXXX and no late payments. XXXX borrower has been employed with the same company since XXXXX | Reviewer 04/05/2025 06:23 PM; Received approval with exception for payment shock. XXXX not see any reference to missing XXXXX income. |
04/08/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640157 | XXXXXX | XXXXXX | 7141707 | 72 | XXXX | Credit | Closing Package | Closing Package - | XXXX XXXX in file reflects XXXX XX XXXXX however closing docs reflect XXXXX XX XXXX XXXXX operating agreement that reflects the correct middle initial | Information provided | Reviewer 04/21/2025 01:57 PM; NO documentation provided |
05/02/2025 | A | 1 | XXXX | ME | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640161 | XXXXXX | XXXXXX | 7140273 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXXX reflecting exception approval for XXXX > XXXX required. | Addressed on loan summary approval document. | Client 04/09/2025 11:12 AM; Addressed on loan summary approval document. XXXX Reviewer 04/09/2025 11:38 AM; Conditions have been reviewed. XXX |
04/09/2025 | A | 1 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640181 | XXXXXX | XXXXXX | 7141713 | 98 | XXXX | Credit | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Appropriate riders attached and signed: | XXXX XXXX reflected the property was a XXXXX however, the XXXXX of XXXXXXX did not reflect a XXXX XXXX was required. XXXXX the XXXX XXXX was not attached. XXXXX provide updated XXXXX of XXXXXXX and a XXXXX of XXXXX to XXXXX | Information provided | Client 05/02/2025 12:33 PM; Confirming it's a voluntary association. XXXX only belong if you are going to fly a plane and use the runway from there. XXXX is not going to use the runway. XXXX she is not a part of it. XX have uploaded documentation from the XXXXXX XXXX you. Reviewer 05/02/2025 12:39 PM; Reviewer 05/05/2025 11:18 AM; This has been cleared.
 
 XXXX |
05/05/2025 | A | 1 | XXXX | FL | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640185 | XXXXXX | XXXXXX | 7140313 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX XXXX , XXXX XXXXX XXXX | Management approval for XXXXX amount reflected in loan details of loan approval in file | Reviewer 04/03/2025 02:24 PM; Provide updated loan approval reflecting exception approval Client 04/03/2025 06:48 PM; Management approval for both XXXXX and XXXXX amount already reflected in loan details of loan approval in file. XXXXX clear, thank you. Reviewer 04/04/2025 11:52 AM; Condition has been reviewed. XXX |
04/04/2025 | A | 1 | XXXX | SC | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640188 | XXXXXX | XXXXXX | 7140322 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXX to verify XXX XXXX ownership and XXX XXXX ownership in XXXX missing from file. XXXX XXXX XXX XXXXX and XXXXX reflect XXXXX XX owns XXXX and XXX owns XXXX XXXX and XXXX in file reflects XXX owns XXXXX | received revised XXXX | Reviewer 04/23/2025 09:44 AM; The XXXXX received reflects XXXXX XXXXX owns XXXX or more of the XXXX XXXX operating statement and XXXX does not reflect her ownership Reviewer 04/23/2025 11:49 AM; Provide the revised XXXXX with XXX having no ownership of business |
04/24/2025 | A | 1 | XXXX | NM | 1 | 13 | D | A | C | A | D | A | A | A | Non-QM | 1 | ||||||
| 1431768 | XXXX | XXXX | 6948566 | 920 | XXXX | Compliance | Compliance | Compliance - TRID-Missing Final CD | Pages X and X of X of the XXXXX signed XXXXX XXXX dated XX/XX/XXXX were not found in the file. XXXXX complete copy. | Information provided | Reviewer 12/07/2022 10:51 AM; CD uploaded. XXXXX, page X of X is still missing. Reviewer 12/12/2022 07:03 PM; Nothing provided Client 01/16/2023 08:22 PM; Final XX uploaded Reviewer 01/17/2023 06:49 AM; Reviewer 01/17/2023 09:44 AM; Hello, XX provided is a XXXX. XXXXX missing page X of the closing XX dated X/XX/XXXX. XXXX is needed for testing. XXXXX you Reviewer 01/17/2023 11:08 AM; Still need page X of X of the XX/XX XX. Client 01/17/2023 05:48 PM; All pages from the XX dated X.XX.XX have been uploaded Reviewer 01/18/2023 06:53 AM; Reviewer 01/18/2023 12:56 PM; Hello, XXX'd page X |
01/18/2023 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||
| 1431768 | XXXX | XXXX | 6951025 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | Satisfactory evidence of XXX% ownership of self employment for XXXX XXXXX with XXXX XXXXX XXX, and has been self employed for at least X years | received | Reviewer 12/06/2022 07:13 PM; The document received from the accountant does not reflect XXXX is XXX% owner and does not reflect X years self employment as reflected on the XXXX |
12/12/2022 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||
| 1640107 | XXXXXX | XXXXXX | 7140973 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX updated loan approval reflecting the XXXXXX not a XXXX statement as rental income and note income was utilized. | Per page XXX of guidelines, using this approach to verifying rental income requires the loan to be considered a XXXX statement loan and should be priced accordingly. | Client 03/06/2025 12:49 PM; Per page XXX of guidelines, using this approach to verifying rental income requires the loan to be considered a XXXX statement loan and should be priced accordingly. XXXXX you. Reviewer 03/06/2025 05:26 PM; Condition has been reviewed. XXX |
03/06/2025 | A | 1 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640117 | XXXXXX | XXXXXX | 7140166 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX letter to be dated within XXX days of note date XXXXX | Processor XXXXX completed for XXXX letter dated XXXXX | Client 04/03/2025 12:52 PM; Processor XXXXX completed for XXXX letter dated XXXXX XXXX you. Reviewer 04/03/2025 01:32 PM; Condition has been reviewed. XXX |
04/03/2025 | A | 1 | XXXX | MS | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640126 | XXXXXX | XXXXXX | 7140180 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX final signed settlement statement for the sale of XXXXX XXXXX XXXXX XXXXX XXXXX home) | Wire confirmation provided. | Reviewer 03/12/2025 11:42 AM; The document received is not signed and dated by the borrower or the settlement agent Client 03/13/2025 10:32 AM; Wire receipt from settlement of prior residence uploaded showing XXXX XXX title received the funds for closing. XXXX Reviewer 03/13/2025 11:02 AM; Condition has been reviewed. XXX |
03/13/2025 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640140 | XXXXXX | XXXXXX | 7140220 | 200 | XXXX | Credit | Hazard Insurance | Hazard Insurance - If Condo, blanket coverage policy is missing | XXXXX provide the condo master insurance for review. | Documentation provided | Client 03/27/2025 05:38 PM; Per condo questionnaire, each unit has its own policy, there is no master XXXX policy. XXXX Reviewer 03/27/2025 06:04 PM; Reviewer 03/28/2025 11:10 AM; Hello
 XXXXX has been cleared.
 
 XXXX |
03/28/2025 | A | 1 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1633702 | XXXXXX | XXXXXX | 7141537 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Guidelines require two years self employed in same business. Borrower just changed from W-2 employee to 1099 self employed on 12/29/2023. | Compensating Factors Excellent credit (FICO 780), no derogatory credit, AA mortgage ratings (no late payments, strong income from good quality job (borrower is a XXXX), Low LTV for loan program (LTV is 63 max allowed is 80), high cash reserve level (28.92 months of reserves, 6 months required per guidelines) . | Client 11/19/2024 01:33 PM; Exception written on loan approval. Thanks. Reviewer 11/19/2024 02:18 PM; condition cleared |
11/19/2024 | B | 2 | XXXX | HI | 2 | 3 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640098 | XXXXXX | XXXXXX | 7141520 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXX for XXXX XXXXX and XXXXX XXXXX (reports for XXXX and XXXX were provided) | SAM.gov report for XXXXX XXXX provided. XXX matches found | Reviewer 03/11/2025 08:23 PM; Received XXXX report for XXXX XXXXX and XXXXX XXXXX XXXXX provide the lender comments for all the medium and high alerts on the report and XXXX clearance for XXXX XXXX Reviewer 03/24/2025 10:36 AM; Received XXXX clearance for XXXX XXXXX XXXXX provide the lender comments for all the medium and high alerts on the report Client 03/24/2025 12:50 PM; SAM.gov report for XXXX XXXX has been uploaded – no matches found. XXXX alerts on the fraud report are the normal alerts. XXXX protocol is to comment on the number of high alerts and state the “documentation in file will address all alerts” XXXX can find these comments under the loan detail approval notes, final XXX analysis. XXXX you. 
 Reviewer 03/24/2025 02:04 PM; Condition has been reviewed. XXX |
03/24/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640170 | XXXXXX | XXXXXX | 7140283 | 959 | XXXX | Credit | Closing Package | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect | XXXX XXXX amount XXXXX does not match the beginning balance in XXXX XX of XXXXX | Information provided | Client 04/03/2025 01:28 PM; If XXXX grade, please waive. XXXX Reviewer 04/03/2025 01:33 PM; Reviewer 04/04/2025 06:01 AM; Hello
 this is not a XXX loan and the will either require an corrected XXXX or XXXX XXXX |
04/10/2025 | A | 1 | XXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640170 | XXXXXX | XXXXXX | 7140286 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX report reflects the following additional addresses in the last XX years XXXX XXX XXXX XXX XXXX & XXXXX XXXXX XXXX XXX XXXX XXX XXXX XXXX fraud report, these may belong to someone of a similar name. XXXX is needed regarding. | Per credit XXXXX address per the XXXXX is XXXXX XXXXX XXX since XXXX XXXXX license in file showing address of XXXXX XXXXX XXX since XXXX other addresses on credit are over XXXX years old, and XXXX XXXX report showing primary at XXXXX XXXXX XXX plus states borrower has only ever owned XX home (pg XXXXX XXXX – XXXX XXXXX different mailing address than borrower XXXX & XXXXX XXXXX XXXX XXX - XXXX XXXXX different mailing address than borrower | Client 04/10/2025 10:15 AM; Per credit XXXXX address per the XXXXX is XXXXX XXXXX XXX since XXXX XXXXX license in file showing address of XXXXX XXXXX XXX since XXXX other addresses on credit are over XXXX years old, and XXXX XXXX report showing primary at XXXXX XXXXX XXX plus states borrower has only ever owned XX home (pg XXXXX 
 XXXX – XXXX XXXXX different mailing address than borrower 
 XXXX & XXXXX XXXXX XXXX XXX - XXXX XXXXX di Reviewer 04/10/2025 11:25 AM; Condition has been reviewed. XXX |
04/10/2025 | A | 1 | XXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640180 | XXXXXX | XXXXXX | 7140303 | 444 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Annuity documentation | XXXX XXXXX XXXX need for XXXXX XXXXX XXXX account reflecting current XXXX pension account - XXXXX provided is from XXXX loan closed XXXX | Being used for income not for assets. XXXX statement provided was to verify length of annuity. XXXX is not a current balance – just the buyin amount – an updated statement would not change anything. XXXXX had XXX months remaining a of XXXXX – this was to evidence XXXX years continuance, and receipt was verified for both XXXX and XXXX XXXXX | Client 04/15/2025 12:01 PM; We are using this for income not for assets. XXXX statement provided was to verify length of annuity. XXXX is not a current balance – just the buyin amount – an updated statement would not change anything. XXXXX had XXX months remaining a of XXXXX – this was to evidence XXXX years continuance, and receipt was verified for both XXXX and XXXX XXXXX XXXX you. 
 Reviewer 04/15/2025 05:01 PM; Condition has been reviewed. XXX |
04/15/2025 | A | 1 | XXXX | CO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640185 | XXXXXX | XXXXXX | 7140312 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX loan amount is XXXX subject loan is XXXXXX | Management approval for XXXXX amount reflected in loan details of loan approval in file | Reviewer 04/03/2025 02:24 PM; Provide updated loan approval reflecting exception approval Client 04/03/2025 06:48 PM; Management approval for both XXXXX and XXXXX amount already reflected in loan details of loan approval in file. XXXXX clear, thank you. Reviewer 04/04/2025 11:52 AM; Condition has been reviewed. XXX |
04/04/2025 | A | 1 | XXXX | SC | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640222 | XXXXXX | XXXXXX | 7140369 | 336 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | missing XXXX schedule | Received schedule of XXX | Reviewer 04/23/2025 12:06 PM; Documents received did not include the XXXXX of all XXX |
04/24/2025 | A | 1 | XXXX | NC | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640224 | XXXXXX | XXXXXX | 7140372 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX XXXX and XXXX for both properties owned by borrower. XXXXX to document if properties are in an XXXX | Received no XXXX documentation | Reviewer 04/17/2025 07:48 PM; Received mortgage statements including esacrows. XXXX evidence that XXXXX XXXX is not in a XXX |
04/21/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640244 | XXXXXX | XXXXXX | 7140415 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX evidence of two new revolving accounts with XXXX evidencing balance XXXXX and payment monthly of XXXX each for both accounts. | Document received. XXXXX one account opened per XXXX in file. | Reviewer 04/24/2025 10:19 PM; There are XX loans on the XXXXX with XXXX XXXX received only verified one loan. |
04/25/2025 | A | 1 | XXXX | AZ | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640635 | XXXXXX | XXXXXX | 7141059 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX pages required for XXXX statement with XXXXX for XXXXXX ending XXXXXX only pages XX & XX provided of XX pages. | Received XXXX XXXXX XXXXX | Reviewer 03/24/2025 04:53 PM; Received XXXX statements from XXXX XXXX for XXXXX and XXXXX XXXX not receive statement for XXXX Reviewer 04/15/2025 04:50 PM; Documents received did not include statement XXXX Reviewer 05/19/2025 11:07 AM; Did not receive all pages of the XXXXX and XXXXX XXXXX XXXX statements for XXXX |
05/19/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1640635 | XXXXXX | XXXXXX | 7141062 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX pages required for XXXX statement with XXXXX for XXXXX ending XXXXX only page XX of XX pages were provided. | Received all pages of XXXXX ending XXXXX | Reviewer 03/24/2025 04:53 PM; Received XXXX statements from XXXX XXXX for XXXXX and XXXXX XXXX not receive statement for XXXX |
04/15/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1431768 | XXXX | XXXX | 6951026 | 384 | XXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | Satisfactory evidence of XXX% ownership of self employment for XXXX XXXXX XXXX with XXXX, and has been self employed for at least X years | Reviewer 12/06/2022 07:14 PM; The document received from the accountant does not reflect XXXX is XXX% owner |
12/12/2022 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | |||||||
| 1431768 | XXXX | XXXX | 7049120 | 973 | XXXX | Compliance | Compliance | Compliance - CD- Other | Need evidence of receipt for the XX/XX/XXXX XX. | information provided | Client 01/24/2023 07:27 PM; Hello, X/XX/XX is the cd included with the loan documents at closing. X/XX/XX is the final XX. XX are not required to have the final XX signed by the borrower and the final XX is sent by mail, I do not have tracking information for it. Reviewer 01/25/2023 06:39 AM; Reviewer 01/25/2023 09:25 AM; Hello, XXXX upload an XXX to the file. XXX you saying that the X/XX XX is a XXXX and not provided to the XXXXX at closing? XXXX affects how it is input into XXXX XXXX and how it is tested and we need a clear explanation so we know how to run it. XXXXX you! Client 01/25/2023 06:05 PM; A XXX for the XX has been uploaded. Reviewer 01/26/2023 06:46 AM; Reviewer 01/26/2023 09:25 AM; per XXX X/XX XX is a XXXX- need evidence of $XXXX.XX refund to borrower Reviewer 01/26/2023 09:26 AM; The XXX has been reviewed and the deficiency has been updated. XX X/XX XX is the XXXX proof of the refund to borrower is needed.
 
 Thanks
 Amber Client 01/30/2023 02:19 PM; Check and XXX uploaded. Reviewer 01/30/2023 04:00 PM; Reviewer 01/30/2023 04:21 PM; need evidence of $XXXX.XX refund to borrower - need evidence borrower received refund (tracking can provided) Reviewer 01/30/2023 04:48 PM; Client 01/31/2023 05:20 PM; Tracking uploaded. Reviewer 02/01/2023 06:48 AM; Reviewer 02/01/2023 12:52 PM; |
02/01/2023 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||
| 1633637 | XXXXXX | XXXXXX | 7131086 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Updated 1003/clarification required. The 1003 states the Borrower is S/E and owns 25% of Foust Restaurant; however, the UW Analysis reflects borrower is W2 but using bank statements. If Borrower is S/E and owns > 25% of Foust Restaurant, SEQ and 3rd party verification required. | Revised 1003 provided reflects borrower is not self-employed. | Reviewer 12/10/2024 01:48 PM; 3rd party verification must document % of ownership. |
01/13/2025 | A | 1 | XXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1633660 | XXXXXX | XXXXXX | 7131132 | 272 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX evidence XXXXX has been installed, and bathroom has been completed. | Appraisal is marked "as is", the bathroom missing the vanity has a functioning shower and toilet, and there are two other functioning bathrooms. XXXX the appraiser marking "as is", XXXXX accepted the appraisal. | Client 02/19/2025 10:48 AM; Hi, appraisal is marked "as is", the bathroom missing the vanity has a functioning shower and toilet, and there are two other functioning bathrooms. XXXX the appraiser marking "as is", XXXXX accepted the appraisal. XXXX Reviewer 02/19/2025 11:22 AM; Condition has been reviewed. XXX |
02/19/2025 | A | 1 | XXXX | FL | 2 | 1 | C | A | C | A | A | A | C | A | Non-QM | 1 | ||||||
| 1640157 | XXXXXX | XXXXXX | 7141706 | 72 | XXXX | Credit | Closing Package | Closing Package - | XXXXX XXXXX signed in file reflects XXXX XX XXXXX however closing docs reflect XXXXX XX XXXX XXXXX corrected XXX reflecting the correct middle initial. | Information provided | Client 04/04/2025 04:39 PM; Signature line on personal guaranty in file corrected to reflect borrower's correct middle initial. XXXX you. Reviewer 04/06/2025 04:48 PM; Reviewer 04/07/2025 12:01 PM; Hello
 XXXX corrected docs have not been uploaded to the loan.
 
 XXXX Reviewer 04/08/2025 08:39 AM; Page XX still reflects XXXXX XX and the correction on page XX below the signature must be initialed by the borrower. XXXX changes must be initialed by the borrower |
04/21/2025 | A | 1 | XXXX | ME | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640220 | XXXXXX | XXXXXX | 7140363 | 904 | XXXX | Credit | UW Assets | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds | XXXX final signed cd from sell of previous home. | Received fnal XX | Reviewer 04/22/2025 10:53 AM; Document received is not signed or stamped final by escrow |
05/04/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640241 | XXXXXX | XXXXXX | 7140406 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX report required on all loans. | CoreLogic XXXXX provided. XXXXXX that addresses fraud report findings has been provided in initial upload. | Client 04/23/2025 06:05 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | NM | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640254 | XXXXXX | XXXXXX | 7141534 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX report required on all loan, and is missing from the current file. | CoreLogic XXXXX provided XXXXXX that addresses fraud report findings has been provided in initial upload. | Client 04/23/2025 06:01 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/24/2025 05:03 AM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | GA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1633781 | XXXXXX | XXXXXX | 7132222 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX provided to be dated within XXX days of note date XXXXX | An XXXX missing the date, we use the initial application and document package it arrived with to date the document | Reviewer 01/21/2025 04:14 PM; The document provided did not include a date. Client 01/22/2025 11:04 AM; When we receive an XXXX missing the date, we use the initial application and document package it arrived with to date the document. XXXX Reviewer 01/22/2025 11:30 AM; Condition has been reviewed. XXX |
01/22/2025 | A | 1 | XXXX | CA | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1633699 | XXXXXX | XXXXXX | 7139673 | 861 | XXXX | Compliance | Note | Note - Other: | Sec. 4 of the note reflects that there is an addendum that supersedes the note. Please confirm there is no Prepayment Penalty. | Information provided | Client 11/20/2024 03:22 PM; Hi, there is no prepayment penalty. Thanks. Reviewer 11/20/2024 03:29 PM; Reviewer 11/21/2024 12:12 PM; This has been cleared.
 
 Thanks! |
11/21/2024 | A | 1 | XXXX | DC | 1 | 1 | C | B | C | B | C | A | C | A | Non-QM | 1 | ||||||
| 1633837 | XXXXXX | XXXXXX | 7132325 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX approval to use transferred appraisal. | Management approval for transferred appraisal on final loan approval. | Client 02/06/2025 11:37 AM; Management approvals already reflected on final loan approval. XXXX you. Reviewer 02/06/2025 12:38 PM; Condition has been reviewed. XXX |
02/06/2025 | A | 1 | XXXX | CA | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1640084 | XXXXXX | XXXXXX | 7140454 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX evidence judgement on title with XXXXX XXXX has been cleared | Received satisfaction of judgement | Reviewer 03/07/2025 09:59 AM; Documents received did not clear this deficiency |
03/24/2025 | A | 1 | XXXX | AZ | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640084 | XXXXXX | XXXXXX | 7140457 | 389 | XXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | XXXXX evidence fraud alert on credit has been cleared | received processor's certification | Reviewer 03/07/2025 09:57 AM; There is a XXXX XXXX on page XX of the credit report that states borrower is the victim of fraud and not to extend credit without confirming the consumer's identity. XXXX signed XXXX from processor that borrower was contacted. |
03/13/2025 | A | 1 | XXXX | AZ | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640086 | XXXXXX | XXXXXX | 7140463 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX loan approval, and XXXX XXXXX XXXXX to correct total XXXX for subject to show XXXXX monthly | received XXX analysis form | Reviewer 03/11/2025 03:00 PM; Did not receive the XXX analysis with correct total XXXX for subject to show XXXX Client 03/11/2025 04:22 PM; Approval with correct XXXX has been uploaded. XXXX Reviewer 03/12/2025 07:38 AM; Condition has been reviewed. XXX |
03/11/2025 | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640107 | XXXXXX | XXXXXX | 7140972 | 317 | XXXX | Credit | UW Assets | UW Assets - UW - Hud-1 from sale | XX XXXXX XXXX for sale of the XXXX prior residence was not provided. | Information provided | Reviewer 03/06/2025 08:19 AM; The XXX received for borrower's prior home was not signed or XXXX by the closing company |
03/06/2025 | A | 1 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640115 | XXXXXX | XXXXXX | 7140159 | 685 | XXXX | Credit | Title Commitment | Title Commitment - Compliance \ Title Commitment - Borrower names (Match to mortgage) If different audit for name affidavit | XXXXX updated title reflecting vesting in XXXXX XXXXX | Documentation provided | Reviewer 03/14/2025 11:23 AM; No documentation provided Client 03/17/2025 12:25 PM; Hi, per XXXXX legal team, XXXX signature isn’t needed for the mortgage. XXXX the property is held by the trust, only the trustee’s signature on behalf of the trust is required to encumber the property. XXXX no inter vivos trust riders apply since this trust isn’t an inter vivos trust. Reviewer 03/17/2025 01:05 PM; Reviewer 03/17/2025 03:39 PM; Hello
 XXXX signed as individual not as a trustee. XXXXX are required.
 
 XXXX Client 03/18/2025 01:40 PM; Hi, the borrower/insured is the XXXX XXXXX which is also listed on the title commitment. XXXXX was not addressed in my previous escalation. XXXX Reviewer 03/18/2025 01:55 PM; Reviewer 03/19/2025 11:35 AM; Hello
 XXXX title deficiency has been cleared.
 
 XXXX |
03/19/2025 | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640140 | XXXXXX | XXXXXX | 7140222 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX satisfactory evidence of monthly XXXXX insurance XXXXX and XXXX monthly of XXXXX for departing residence at XXXXX XX XXXX XXXXXX XXXXX XXXX XXX XXXXX | received XXXXX taxes and XXX | Reviewer 03/28/2025 09:37 AM; Did not receive the XXXX and XXX |
03/30/2025 | A | 1 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1640098 | XXXXXX | XXXXXX | 7141522 | 387 | XXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX XXXX of XXXXX and XXXX XXXX for property located at XXXXX | Received XXXX and tax documentation | Reviewer 03/11/2025 08:31 PM; |
03/11/2025 | A | 1 | XXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640157 | XXXXXX | XXXXXX | 7141708 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX proof of the XXXX for XXXX XXXXX XXX | The XXXX is a single owner entity; therefore, the borrower was allowed by the state to file it with his social security #. | Client 04/04/2025 05:21 PM; The XXXX is a single owner entity so the borrower was allowed by the state to file it with his social security #. XXX does not have an XXXX XXXX you. Reviewer 04/06/2025 05:02 PM; Condition has been reviewed. XXX |
04/06/2025 | A | 1 | XXXX | ME | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640170 | XXXXXX | XXXXXX | 7140285 | 397 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Inquiries not properly addressed | XXXXX report reflects the following credit inquiries XXXXX on XXXXX on XXXX XXXXX on XXXX XXXXX XXXX on XXXX XXXX XXXXX on XXXX & XXXXX XXXX on XXXXX | This was written to in the credit section of the XXXXX XXXXX of auto inquiries in XXXX XXXX are related to the XXXXX opened in XXXXX | Client 04/10/2025 10:15 AM; This was written to in the credit section of the XXXXX XXXXX of auto inquiries in XXXX XXXX are related to the XXXXX opened in XXXX XXXX you. Reviewer 04/10/2025 11:25 AM; Condition has been reviewed. XXX |
04/10/2025 | A | 1 | XXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640176 | XXXXXX | XXXXXX | 7140294 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX report reflects the following credit inquiry in the last XXXX days XXX of XXXXX on XXXX XXXXX XXXX on XXXX XXXXXX XXXXX on XXXX XXXXX XXXXX & XXX on XXXX & XXXXXXXX on XXXXX XXXXX of explanation is needed regarding. | Reviewer 04/15/2025 10:37 AM; LOE missing XXX of XXXXX on XXXX Client 04/15/2025 12:00 PM; Only required to seek XXXXX on inquiries within the last XXX days. XXXX you. Reviewer 04/15/2025 01:29 PM; Condition has been cleared. |
04/15/2025 | A | 1 | XXXX | NC | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640212 | XXXXXX | XXXXXX | 7140354 | 389 | XXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | XXXX documentation. | CoreLogic XXXXX provided XXXXXX that addresses fraud report findings has been provided. | Client 04/24/2025 01:52 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/24/2025 03:05 PM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | UT | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640245 | XXXXXX | XXXXXX | 7140417 | 272 | XXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXX XXXX XXX XXXX approved appraiser. XXXXX XXXX | Loan XXXXX states XXXXX XXXXX to use XXXXX appraisal. | Client 04/22/2025 03:48 PM; management approval of broker appraisal reflected on loan approval already. XXXX you. Reviewer 04/23/2025 10:59 AM; Condition has been reviewed. XXX |
04/22/2025 | A | 1 | XXXX | MS | 1 | 1 | C | A | C | A | A | A | C | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1640258 | XXXXXX | XXXXXX | 7140437 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX evidence of XXXXX per XXXXX approval. XXXX acc# XXXXX for XXXX XXXXX for XXXX XXXXX for XXXX XXXXX for XXXX XXXXX for XXXXX XXXX XXXXX for XXXX XXXX acc# XXXXX for XXXXX | Upstart and XXXXX XXXXX are paid by the business, they were excluded not paid off XXXX XXXXX account is an XXXXX account – we verified reserves for this – XXXXX to close sheet provided to verify. XXXXX account XXXXX is an authorized user account so that was ignored. XXXX XXXXX lease was documented as paid in full – XXXX bought out and is now an installment – included in the XXXX – XXXX XXXXX uploaded | Client 04/24/2025 10:58 AM; Upstart and XXXXX XXXXX are paid by the business, they were excluded not paid off 
 XXXX XXXXX account is an XXXXX account – we verified reserves for this – XXXXX to close sheet provided to verify. XXXXX account XXXXX is an authorized user account so that was ignored. XXXX XXXXX lease was documented as paid in full – XXXX bought out and is now an installment – included in the XXXX – XXXX XXXXX uploaded. XXXX you. 
 Reviewer 04/24/2025 03:18 PM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXX | MA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640260 | XXXXXX | XXXXXX | 7140443 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX was not included with the loan file | Client 04/25/2025 12:26 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. Reviewer 04/25/2025 03:44 PM; condition cleared |
04/25/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1640635 | XXXXXX | XXXXXX | 7141061 | 320 | XXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX pages required for XXXX statement with XXXXX for XXXXXX ending XXXXX only page XX of XX pages provided | Received all pages of XXXXX ending XXXXX | Reviewer 03/24/2025 04:53 PM; Received XXXX statements from XXXX XXXX for XXXXX and XXXXX XXXX not receive statement for XXXX |
04/15/2025 | A | 1 | XXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1431768 | XXXX | XXXX | 6947794 | 897 | XXXX | Compliance | Compliance | Compliance - TRID CD- Other | Page X and X of the XXXXX XX dated XX/XX are missing. | Information provided | Reviewer 12/07/2022 10:51 AM; Duplicate |
12/07/2022 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||
| 1431768 | XXXX | XXXX | 6947797 | 901 | XXXX | Compliance | Compliance | Compliance - TRID Other | The XXXX is missing from file. | Information provided | Reviewer 10/28/2022 09:58 AM; SSPL provided is not within X days of the X/XX application date. |
12/07/2022 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||
| 1431768 | XXXX | XXXX | 6951043 | 433 | XXXX | Credit | UW Assets | UW Assets - UW - Short funds to close | Supply satisfactory evidence of funds to close of $XX,XXX.XX for XX day period, within XX days of XXXX date X/XX- XXX large deposits to be sourced and documented. | received | Reviewer 09/09/2022 07:05 PM; Funds verified in XXX account #XXXX = $XX,XXX and #XXXX = $XXX. XXXX funds to close is not sufficient and is short $XX,XXX |
12/06/2022 | A | 1 | XXXX | TX | 1 | 1 | C | B | C | B | C | B | A | A | Non-QM | 1 | ||||||
| 1633660 | XXXXXX | XXXXXX | 7131128 | 205 | XXXX | Credit | Hazard Insurance | Hazard Insurance - property address is incorrect. | XXXXX XXXX XXXXX reflected the subject property unit number as #; however, the XXXXX reflected the subject property unit number as #. | Information provided | Client 02/19/2025 10:51 AM; Hi, addresses match and the property is the same. XXXX Reviewer 02/19/2025 11:09 AM; Reviewer 02/19/2025 12:25 PM; Hello
 XXXXX has been waived.
 
 XXXX |
02/20/2025 | A | 1 | XXXX | FL | 2 | 1 | C | A | C | A | A | A | C | A | Non-QM | 1 | ||||||
| 1640104 | XXXXXX | XXXXXX | 7140131 | 330 | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX in this file is not dated. XXX updated XXXX XXXXX is needed and must be dated | Processor cert accepted | Client 03/06/2025 12:37 PM; Dated XXXX cert for XXXX letter provided. XXXX you. Reviewer 03/06/2025 02:42 PM; condition cleared |
03/06/2025 | A | 1 | XXXX | MO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1640110 | XXXXXX | XXXXXX | 7140148 | 851 | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX guidelines for XXXXX loans requires all owners of the XXXX entity to guaranty the loan, unless senior management approves otherwise. XXXXX XX of XX owners guaranteed the loan. XXXXX owner has XXXX ownership. | Guaranties provided signed by both members separately | Reviewer 03/21/2025 12:01 PM; Did not receive XXXX approval of only XX of XX owners guaranteeing the loan Reviewer 03/24/2025 04:57 PM; there should be an approval from XXXXX XXXXX XXXX allowing only XX of the business owners guaranteeing the loan. Client 03/25/2025 10:07 AM; Hi, XXXXX XXXXX guaranty was part of the initial file upload. XXXX Reviewer 03/25/2025 02:24 PM; Condition has been reviewed. XXX |
03/25/2025 | A | 1 | XXXX | SC | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1640138 | XXXXXX | XXXXXX | 7140214 | 72 | XXXX | Compliance | Closing Package | Closing Package - | XXXXX provide the XXXX documents for review. | Information provided | Reviewer 03/31/2025 01:50 PM; POA provided is not specific to the subject property. XXXX XXXX must be specific to this transaction Client 04/01/2025 01:36 PM; This is an agency requirement which we don’t follow. XXXX XXXX was approved by title and XXXX XXXX you. Reviewer 04/01/2025 01:54 PM; Reviewer 04/02/2025 12:26 PM; Hello
 XXXXX has been cleared.
 
 XXXX |
04/02/2025 | A | 1 | XXXX | WA | 1 | 13 | D | B | D | B | C | A | A | A | Non-QM | 1 |