Exhibit 99.27
Exception Detail
Run Date - 07/14/2025 11:18:05 AM
| 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 |
| 1425384 | XXXX | XXXX | 6924959 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Approval does not indicate doc type. XXXX documentation not provided. XXXX does elude to bonus income. | Updated approval provided | 12/06/2022 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1425384 | XXXX | XXXX | 6928394 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Income documentation for borrower is required. | received | 09/08/2022 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1425384 | XXXX | XXXX | 6924452 | 959 | XXXXXX | Credit | Closing Package | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect | Starting balance on XXXXX ($XX,XXX.XX) does not match initial escrow payment at closing shown on XX ($XX,XXX.XX) | Information provided | Reviewer 09/09/2022 10:33 AM; No documentation provided |
12/07/2022 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1425384 | XXXX | XXXX | 6924570 | 891 | XXXXXX | Compliance | Compliance | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application | The intial XX is missing from the file | Information provided | 09/09/2022 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1425384 | XXXX | XXXX | 6924571 | 902 | XXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 12/13/2022 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1425384 | XXXX | XXXX | 6924573 | 840 | XXXXXX | Compliance | Disclosure | Disclosure - HPML- need evidence of rate lock date with borrower | Unable to determione rate lock | Information provided | 09/09/2022 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1425384 | XXXX | XXXX | 6950579 | 846 | XXXXXX | Compliance | Disclosure | Disclosure - Missing initial disclosure within 3 days of application | Please provide XXXXXX XXXXX XXXXX list issued within X days of application. | Information provided | 11/22/2022 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | |||||||
| 1432760 | XXXXXXXX | XXXXXXXX | 6949753 | 322 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Minimum FICO | Minimum FICO is 640; borrowers are at 630 | The exception to use Borrower 1 score of 630 as FICO was granted with the following compensating factors: 37% LTV; 5 years in subject property; SE 15 years (50/50 owners) and consolidating all debts. | 08/16/2022 | B | 2 | XXXXXX | AZ | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1640130 | XXXXXXXX | XXXXXXXX | 7144821 | 895 | XXXXXX | Compliance | Compliance | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation | XXXXX proof borrower received XXX XX days prior to consummation. | Information provided | 04/17/2025 | A | 1 | XXXXXX | NJ | 2 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640130 | XXXXXXXX | XXXXXXXX | 7144822 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 04/17/2025 | A | 1 | XXXXXX | NJ | 2 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1640130 | XXXXXXXX | XXXXXXXX | 7144823 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX XXXXX income/tax returns for the borrower's consulting business used to qualify and XXXX indicating percentage owned by borrower as XXXX letter in file indicates the spouse also owns the business. XXXX credit review is on hold until documents are received. | Income documentation received | 04/21/2025 | A | 1 | XXXXXX | NJ | 2 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640130 | XXXXXXXX | XXXXXXXX | 7144824 | 384 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | XXXXX XXXX XXXXX XXXXXXX XXXX XXXXX earnings/returns supporting XXXXXXX monthly income | received XXXXX XXXX XXXXXXX | Reviewer 04/23/2025 02:40 PM; ****Return to XXX when received***** |
04/24/2025 | A | 1 | XXXXXX | NJ | 2 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1640130 | XXXXXXXX | XXXXXXXX | 7144825 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX for second home with XXXXX under XXXX XXXXX - exception needed for XXXX | Exception granted: XXXXX XXXX needed-def set. XXXXX XXXX - reserves XXXXXXX score XXXXX residual income XXXX | 04/23/2025 | B | 2 | XXXXXX | NJ | 2 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1640130 | XXXXXXXX | XXXXXXXX | 7144826 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX satisfactory compensating factors for exception to exceed XXXX over XXX | Comp XXXX - reserves XXXXXXX score XXXXX residual income XXXX | 04/24/2025 | A | 1 | XXXXXX | NJ | 2 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1641028 | XXXXXXXX | XXXXXXXX | 7144831 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX schedule is listing business property used in repayment income from XXXX XXXX XXXXX XXXX with a rental loss of XXXXXXX XXXXX satisfactory XXXX describing separation from the same XXXX statements used for repayment. | REO XXXXX | 04/29/2025 | A | 1 | XXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1641028 | XXXXXXXX | XXXXXXXX | 7144832 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXX evidence of monthly taxes of XXXXXX and XXXX XXXXXX for property located at XXXX XXXX XXXX | Mortgage payment is escrowed with taxes and insurance. XXXX is XXXX XXXXX XXX | 03/25/2025 | A | 1 | XXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1641028 | XXXXXXXX | XXXXXXXX | 7144833 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXX evidence of monthly taxes of XXXXXXX XXXXXX XXXXXX and XXXX XXXX for property located at XXXX XXXX XXXX XXXX | received expense documentation | 03/25/2025 | A | 1 | XXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1641028 | XXXXXXXX | XXXXXXXX | 7144834 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXX evidence of monthly insurance of XXXXXX for property located at XXXXX XX XXXXXX XXXX | XXXX and XXXXXXX properties have the XXXX switched; however, within tolerance. XXXX not request change. | 03/25/2025 | A | 1 | XXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1641028 | XXXXXXXX | XXXXXXXX | 7144835 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXX evidence of monthly taxes of XXXX and ins XXXXXX and evidence there is no XXXX for property located at XXXXX XX XXXXXXX XXXXX XXXXX | received property expense. XXXXX is office building no XXX | 03/25/2025 | A | 1 | XXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1641028 | XXXXXXXX | XXXXXXXX | 7144836 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXX evidence of monthly taxes of XXXXXX and XXXX XXXXXX for property located at XXXX XXXXX XXXX | received expense documentation | 03/25/2025 | A | 1 | XXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1641028 | XXXXXXXX | XXXXXXXX | 7144837 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXX updated XXXXX XXXXXXX questionnaire for XXXX XXXX XXXXX XXXX dated within XXX days of note date XXXXX | Received updated XXX | 05/14/2025 | A | 1 | XXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1641028 | XXXXXXXX | XXXXXXXX | 7144838 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX new business loans with XXXX XXXXX and XXXX dated XXXX to be evidenced paid with business accounts included in XX | Business XXXX statements provided | Client 04/23/2025 04:53 PM; Please clarify where you are seeing XXXX XXXXX XXXX you. Reviewer 04/24/2025 08:15 AM; Accounts are listed on the XXXXXX page of the credit report. XXXXX are marked XXXX opened a new account. XXX Reviewer 04/24/2025 08:15 AM; Accounts are listed on the XXXXXX page of the credit report. XXXXX are marked XXXX opened a new account. Client 05/15/2025 12:17 PM; Not being paid out of business account. XXXX you. Reviewer 05/15/2025 12:36 PM; Escalation comment states accounts are not being paid out of business accounts. XXXX evidence if the new accounts were opened prior to the XXXXX date the payments are included in the XXXX Reviewer 05/15/2025 12:47 PM; Condition has been reviewed. XXX Reviewer 05/22/2025 07:00 AM; Documents received were XXXX business XXXX statement XXXXX dated XXXX which reflects XXXX XXXX is being paid by business. XXXX not receive documentation of business payment to XXXXX |
05/22/2025 | A | 1 | XXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1642002 | XXXXXXXX | XXXXXXXX | 7144816 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 03/20/2025 | A | 1 | XXXXXX | CO | 1 | 1 | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1642002 | XXXXXXXX | XXXXXXXX | 7144817 | 891 | XXXXXX | Compliance | Compliance | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application | XXXX the initial XXX dated within XX days of application XXXXX | Information provided | 03/20/2025 | A | 1 | XXXXXX | CO | 1 | 1 | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1642002 | XXXXXXXX | XXXXXXXX | 7144818 | 895 | XXXXXX | Compliance | Compliance | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation | XXXX the initial XXX issued and received XX days prior to consummation XXXXX | Information provided | 03/20/2025 | A | 1 | XXXXXX | CO | 1 | 1 | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1642002 | XXXXXXXX | XXXXXXXX | 7144819 | 10 | XXXXXX | Valuation | Appraisal | Appraisal - is not As-Is - No evidence of repairs completed | XXXXXX is not XXXX XXXXX XXXXX provide completion report with color photos. | Information provided | 06/05/2025 | A | 1 | XXXXXX | CO | 1 | 1 | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643392 | XXXXXXXX | XXXXXXXX | 7147147 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Testing complete | 05/20/2025 | A | 1 | XXXXXX | MA | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1643394 | XXXXXXXX | XXXXXXXX | 7145399 | 384 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | XXXXXXX evidence of XXXXX ownership in business | received XXXX XXXX and XXX | 03/17/2025 | A | 1 | XXXXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643394 | XXXXXXXX | XXXXXXXX | 7145400 | 386 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Documents Expired | XXXX XXXXX XXXXXXX questionnaire to be dated within XXX days of note date XXXXX | received current XXX | 03/31/2025 | A | 1 | XXXXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643397 | XXXXXXXX | XXXXXXXX | 7145402 | 434 | XXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXXXX was XXXXXXX short reserves. XXXXX assets XXXXXXXX per XXX XXXXXXXXXXXXXX XXXXX XXXXXXXXXXXXX XXXX borrower received XXXXXXX in gifts; however, it was deposited into the borrower's XXXX account and included in the available balance of XXXXXX | Exception approval received for low reserves/ XXXXXXX XXXX - XXXXX income XXXXX good credit score XXXXX XXXX XXX | 04/05/2025 | B | 2 | XXXXXX | IL | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1643399 | XXXXXXXX | XXXXXXXX | 7145403 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX cash out of XXXXX with XXXX of XXXX exceeded with XXXXX with cash out of XXXXXXX | Exception granted: XXX years credit depth satisfactory history, XXX years primary residence time, XXXXX assets of over XXXXX | 04/15/2025 | B | 2 | XXXXXX | WA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643399 | XXXXXXXX | XXXXXXXX | 7145405 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX satisfactory evidence of rent loss insurance | Received rent loss coverage | 04/15/2025 | A | 1 | XXXXXX | WA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643399 | XXXXXXXX | XXXXXXXX | 7145406 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX XXXXXXX approval required for subject being located in XXXX area. | Received XXX XXXXX approval for XXXX property/ XXXXX XXXX - XXX years credit depth satisfactory history, XXX years primary residence time, XXXXX assets of over XXXXX | 04/15/2025 | A | 1 | XXXXXX | WA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643402 | XXXXXXXX | XXXXXXXX | 7145713 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX is XXXX for cash out XXXX XXXXXX XXXXXX is XXXX XXX | Exception allowing XXXX XXXX for cash-out XXXXXX asset qualifier. XXXXXXX XXXXX XXXXX pride in ownership living in primary for XXX years, experienced investor, great assets, XXXX XXXXX with no derogatory and XX mortgage paid XXX for XXX months reporting (primary). | 04/14/2025 | B | 2 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643403 | XXXXXXXX | XXXXXXXX | 7145409 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX exceeds XXXX XXXXX out XXXX of XXXX for XXXX XXXXXX guidelines. | Exception granted: XXXXX pride ownership in primary for XXX years, nice collateral, experienced investor since XXXX XXXXX XXXX no derogatory history, not using any rental income to offset any XXXX | 04/15/2025 | B | 2 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643403 | XXXXXXXX | XXXXXXXX | 7145410 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXX evidence for monthly taxes of XXXX and monthly insurance XXXXX for primary property located at XXXX XX XXXXXX XXXX XXXX XXXX XX | Received tax and insurance documentation | 04/15/2025 | A | 1 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643404 | XXXXXXXX | XXXXXXXX | 7145411 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXX evidence for monthly taxes of XXXX and monthly insurance XXXXX for primary property located at XXXX XX XXXXXX XXXX XXXX XXXX XX | Received tax and XXXX documentation | 04/15/2025 | A | 1 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643404 | XXXXXXXX | XXXXXXXX | 7145412 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX exceeds XXXX XXXXX out XXXX of XXXX for XXXX XXXXXX guidelines. | Exception granted: XXXXX pride ownership in primary for XXX years, nice collateral, experienced investor since XXXX XXXXX XXXX no derogatory history, not using any rental income to offset any XXXX | 04/15/2025 | B | 2 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643405 | XXXXXXXX | XXXXXXXX | 7145413 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXX evidence for monthly taxes of XXXX and monthly insurance XXXXX for primary property located at XXXX XX XXXXXX XXXX XXXX XXXX XX | Received tax and XXXX documents | 04/16/2025 | A | 1 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643405 | XXXXXXXX | XXXXXXXX | 7145414 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX exceeds XXXX XXXXX out XXXX of XXXX for XXXX XXXXXX guidelines. | Exception granted: XXXXX pride ownership in primary for XXX years, nice collateral, experienced investor since XXXX XXXXX XXXX no derogatory history, not using any rental income to offset any XXXX | 04/15/2025 | B | 2 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643406 | XXXXXXXX | XXXXXXXX | 7145415 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX exceeds XXXX XXXXX out XXXX of XXXX for XXXX XXXXXX guidelines. | Exception granted: XXXXX pride ownership in primary for XXX years, nice collateral, experienced investor since XXXX XXXXX XXXX no derogatory history, not using any rental income to offset any XXXX | 04/15/2025 | B | 2 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643406 | XXXXXXXX | XXXXXXXX | 7145416 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXX evidence for monthly taxes of XXXX and monthly insurance XXXXX for primary property located at XXXX XX XXXXXX XXXX XXXX XXXX XX | Received XXXX and XXXX documents | 04/16/2025 | A | 1 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643407 | XXXXXXXX | XXXXXXXX | 7145417 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX XXXX for XXXX XXXXXX XXXXXXX for less than XX year | Compensating XXXXXXX ltv purchase of XXXXX solid assets and credit is paid as XXXXXXX fico XXXXXX is in line at XXXXXX / XXXXX in reserves. | 04/15/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643408 | XXXXXXXX | XXXXXXXX | 7145418 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX fico score XXXX XXXXXX XXXXXX fico score | Compensating XXXXXXX pride in ownership living in primary for XX years, good job time of XX years, nice collateral, XXXX XXXX mortgages paid XXX for last XX years and plenty of reserves after closing. | 04/16/2025 | B | 2 | XXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643410 | XXXXXXXX | XXXXXXXX | 7145419 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX exception for less than XXX months business XXXX statements used in qualifying the borrower under the XXX month XXXX statement fixed program; only XXX months were used. | XX months received and XXX months used for income | 05/15/2025 | A | 1 | XXXXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643410 | XXXXXXXX | XXXXXXXX | 7145420 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX borrower must verify XX years self-employment for program and the borrower has only been self-employed XXX months. | The exception was granted for the borrower having been self-employed less than the required XX years with the following compensating factors: XXXX borrowers have had ownership of the primary residence for XXX years. XXXXX collateral, the borrower is paying off all debts; XXXXX is XXXXX | 05/11/2025 | B | 2 | XXXXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643410 | XXXXXXXX | XXXXXXXX | 7145421 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXX statements expired. XXXXXXX allow XXX days from the closing date, XXXX statements were XXX days old. | Received XXXX XXX XXXXX XXXX statement. XXXXX closed XXXXX | 05/15/2025 | A | 1 | XXXXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643411 | XXXXXXXX | XXXXXXXX | 7145422 | 1055 | XXXXXX | 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 | XXXXXX | HI | 2 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643411 | XXXXXXXX | XXXXXXXX | 7145423 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX size requires XX appraisals. XXXXXX XXXXXXXXX approval for one appraisal. | Compensating XXXXXXX file since XXXX assets after close = XXXXX XXXXXXXX good job time, good residence time, good mortgage history. | 04/21/2025 | B | 2 | XXXXXX | HI | 2 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643411 | XXXXXXXX | XXXXXXXX | 7145424 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX size required score of XXXX XXXXXX XXXXXXXXX for XXXX score with loan amount XXXX million | Compensating XXXXXXX file since XXXX assets after close = XXXXX XXXXXXXX good job time, good residence time, good mortgage history. | 04/21/2025 | B | 2 | XXXXXX | HI | 2 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643412 | XXXXXXXX | XXXXXXXX | 7145425 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXX reflecting XXXXX from XXXXX in the amount of XXXXXXX is missing from this file. XXXXXXX with XXXXXX XXXXXX of XXXXXXX signed by borrower at close on XXXXXX | Received final XX | 05/20/2025 | A | 1 | XXXXXX | CO | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643413 | XXXXXXXX | XXXXXXXX | 7145426 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX borrower is using cash out as reserves with less than the required XXXXX score of XXXXX | The exception was granted for the use of cash out as reserves with less than the required XXXXX score. XXXX exception was granted with the following compensating factors: XXXX XXXX of XXXXX XXXXX payment history of XXXXX XXXXX cash reserves over XXXXX and high residual income at XXXXXXX | 05/10/2025 | B | 2 | XXXXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643413 | XXXXXXXX | XXXXXXXX | 7145427 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX provide income calculation worksheet with all deposits and deposits to be excluded. | Received XXXXX statement income analysis | 05/12/2025 | A | 1 | XXXXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643414 | XXXXXXXX | XXXXXXXX | 7145428 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 05/23/2025 | A | 1 | XXXXXX | NV | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643414 | XXXXXXXX | XXXXXXXX | 7145429 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX guidelines the minimum XXXXX on a condotel is XXXX XXXX property is under XXXXX | Compensating XXXXX XXXXX is a very experienced investor. XXXXXX paid as agreed for last XXXX months. | 05/23/2025 | B | 2 | XXXXXX | NV | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643415 | XXXXXXXX | XXXXXXXX | 7147152 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 05/29/2025 | A | 1 | XXXXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1643415 | XXXXXXXX | XXXXXXXX | 7147154 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX waiver requires XXXXX XXXXX XXXXXX XXXXX used was XXXXX | Exception approved by XXXXX XXXXXX to waive escrows with a XXXX XXXXX XXXXXXX XXXXX good cash down payment, high cash reserve level, no derogatory credit on credit report, XXXX employment history, job time indicates stability and a likelihood of continued income flow. | 05/13/2025 | B | 2 | XXXXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1643416 | XXXXXXXX | XXXXXXXX | 7145433 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for tradelines on an XXXXX loan. XXXXX program requires atleast XX tradelines with XX active. XXXXX only has one tradeline. | Compensating factors; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXX reserves XXXXXXXXXX | 05/09/2025 | B | 2 | XXXXXX | AZ | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643416 | XXXXXXXX | XXXXXXXX | 7145434 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for XXXX shock. XXXX guidelines payment shock cannot exceed XXXXX XXXX payment shock exceeds XXXX | Compensating factors; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXX reserves XXXXXXXXXX | 05/09/2025 | B | 2 | XXXXXX | AZ | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643417 | XXXXXXXX | XXXXXXXX | 7145435 | 270 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Satisfactory 2nd Appraisal Report | XXXX XXXXX XXXXX appraisal. XX second appraisal is required in lieu of a XXXXX XXXXX with loan amounts greater than XXXXX million | received XXXX full appraisal | 05/12/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | A | A | A | A | A | C | A | Non-QM | 1 | |||||||
| 1643418 | XXXXXXXX | XXXXXXXX | 7145436 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX funds on expanded allowed on primary and second homes. XXXXXX XXXXXXXXX gift funds from son on a non-owner occupied property. | Compensating XXXXXX yrs XXXX and XXX yrs same line of work, XXX yrs credit depth and XXXX fico score. | 05/24/2025 | B | 2 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643418 | XXXXXXXX | XXXXXXXX | 7145437 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX approval has incorrect purchase XXXXX; correct purchase XXXXX is XXXXXX | Revised XXXXX provided | 05/27/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643420 | XXXXXXXX | XXXXXXXX | 7145438 | 862 | XXXXXX | Compliance | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | XXXX XX is missing from file. XXXXX provide along with XXXX to re record. | Information provided | 05/06/2025 | A | 1 | XXXXXX | MI | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643420 | XXXXXXXX | XXXXXXXX | 7145439 | 1055 | XXXXXX | 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. | Documents provided | 05/09/2025 | A | 1 | XXXXXX | MI | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643420 | XXXXXXXX | XXXXXXXX | 7145440 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX mortgage lates. XXXXXX XXXXXXX rolling on mortgage history in past XXX months/ XXXX x payment shock. | Compensating XXXXXX XXXX debt paid as agreed over the past XXX months, XXXXX in last XXX months, XXXX in reserves, borrower is retired and collects ssi/pension/va pension taken from award letters, XXXX is inline, XXXXXXXX dti. | 05/12/2025 | B | 2 | XXXXXX | MI | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643421 | XXXXXXXX | XXXXXXXX | 7145441 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX properties up to XX acres. XXXXXX XXXXXXXX property is XXX acres. | Compensating XXXXXXXXX residence, stable employment, good residual income and XXXX fico. | 05/12/2025 | B | 2 | XXXXXX | RI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643421 | XXXXXXXX | XXXXXXXX | 7145442 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX required for senior management approval of XXXX income being utilized. | Exception approval by XXX XXXXX for use of XXXX income and rural property. XXXXXXX XXXXXXXXX residence, stable employment, good residual income and XXXX fico. | 05/15/2025 | B | 2 | XXXXXX | RI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643421 | XXXXXXXX | XXXXXXXX | 7145443 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX reflect when using XXXX income, no rural properties are allowable. XXXX property was deemed to be rural, and the borrower is an owner of the XXXX company. | Exception approval by XXX XXXXX for use of XXXX income and rural property. XXXXXXX XXXXXXXXX residence, stable employment, good residual income and XXXX fico. | 05/15/2025 | B | 2 | XXXXXX | RI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643422 | XXXXXXXX | XXXXXXXX | 7145446 | 201 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - is missing. | XXXX XXXXX XXXXXX XXXXX was not found in the file. XXXX evidence of XXXXX XXXXXXX | Information provided | 05/05/2025 | A | 1 | XXXXXX | SC | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643422 | XXXXXXXX | XXXXXXXX | 7145447 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX XXXXX loan XXX for property XXXXX XX XXXXX XXXXX supporting XXXXXXXX proceeds was not included with the loan file. | Received XXXXX XXX with XXXXXX net | 05/03/2025 | A | 1 | XXXXXX | SC | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643422 | XXXXXXXX | XXXXXXXX | 7145448 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX XXXX XXXXXX worksheet supporting XXXXXXXX was not included with the loan file | Received XXXX XXXXXX XXXXX | Reviewer 05/03/2025 12:19 PM; Document received did not include the XXXX XXXXXX worksheet |
05/05/2025 | A | 1 | XXXXXX | SC | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1643423 | XXXXXXXX | XXXXXXXX | 7145450 | 389 | XXXXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | XXXXXX XXXX XXXX on XXXXX XXXXX XXXXXX XXXXX verifying consumer identity is missing from this file. | Received lender's cert | 06/12/2025 | A | 1 | XXXXXX | CT | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643425 | XXXXXXXX | XXXXXXXX | 7145451 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX borrower has several late payments on a mortgage showing up on credit due to extenuating circumstances and an exception was granted with compensating factors. | The exception was granted for late payments on a mortgage due to cosigning for the daughters ex-spouse and property awarded to borrower's daughters ex-spouse. XXXX compensating factors for approving the exception were as follows: XXXXX depth of XXX years. XXX years on the job. XXXXX XXXX XXXX the borrowers other mortgages on credit are paid on time. XXXX borrwoer has over XXXXX million in assets. | 05/12/2025 | B | 2 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643426 | XXXXXXXX | XXXXXXXX | 7145454 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX payment shock is XXXXX XXXXXX approval in file for payment shock greater than XXXXX XXXX payment shock is XXXX | Compensating factor: XXXX XXXXX well above XXXX minimum requirement, XXX year credit depth with no late payments. XXXX credit user. XXXXX income of over XXXX a month. XXXXX above minimum of XXXXX a month. | 05/15/2025 | B | 2 | XXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643427 | XXXXXXXX | XXXXXXXX | 7145455 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX cash out is XXXXX XXXXX out on loan is XXXXXXXXX | Actual cash out amount approved. XXXXX XXXXX income XXXXX years) XXXXXX XXXX years), XXXX XXX | 06/04/2025 | B | 2 | XXXXXX | GA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643428 | XXXXXXXX | XXXXXXXX | 7145456 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX XXXXX for XXXXX XXXX XXXXX is XXX | DEVIATION: XXXX XXXXX XXXXX XXXX XXXXX XXXXXXX XXXXX XXXXXXX XXXXX not XXXXXX has a XXXX job at XXXXX XXXX XXXX XXXXX XXXXX over XXXX a month | 05/14/2025 | B | 2 | XXXXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643428 | XXXXXXXX | XXXXXXXX | 7145457 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX XXXXX for XXXXX XXXXX XXXXXX XXXXX at XXXX XXX | DEVIATION: XXXXX exception for XXXX XXXXX XXXXXX XXXXX XXXX using cash out to cover reserves XXXXXXX XXXXX XXXXXXX XXXXX not XXXXXX has a XXXX job at XXXXX XXXX XXXX XXXXX XXXXX over XXXX a month | 05/14/2025 | B | 2 | XXXXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643428 | XXXXXXXX | XXXXXXXX | 7145458 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXX XXXX XXXXX and under XXXX XXXX to use cash out for reserves | DEVIATION: XXXX XXXXX XXXX to cover reserves XXXXXXX XXXXX XXXXXXX XXXXX not XXXXXX has a XXXX job at XXXXX XXXX XXXX XXXXX XXXXX over XXXX a month | 05/14/2025 | B | 2 | XXXXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643429 | XXXXXXXX | XXXXXXXX | 7145461 | 378 | XXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XXXX XXXXX reflects employment for XXXXX XX as a XXXX for XXXX XXXXXXX XXXX which is XXX & XXXXX business. XXX start date to auto populate XXXX in XXXX & XXXX in XXXX which cannot be XX if employment type is employed. | Revised XXXXX provided. | 06/03/2025 | A | 1 | XXXXXX | TX | 3 | 13 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643430 | XXXXXXXX | XXXXXXXX | 7145463 | 317 | XXXXXX | Credit | UW Assets | UW Assets - UW - Hud-1 from sale | XXXX XXXXX from the sale of property located at XX XXXX XXXX reflecting approx. XXXXXXXX net proceeds. | Received XXX for XXXX XXXXX | 05/20/2025 | A | 1 | XXXXXX | NJ | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643432 | XXXXXXXX | XXXXXXXX | 7145464 | 437 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX verification of employment for XXXXX dated within XXX days of note date XXXXXX | Received XXX day XXXX | 05/02/2025 | A | 1 | XXXXXX | AZ | 2 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643432 | XXXXXXXX | XXXXXXXX | 7145465 | 437 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX verification of employment for XXXXXX dated within XXX days of note date XXXXXX | Received XXX day XXXX | 05/02/2025 | A | 1 | XXXXXX | AZ | 2 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643433 | XXXXXXXX | XXXXXXXX | 7147155 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for XXXXX type XXXX XXXXX visa is not allowed per guidelines | Compensating XXXXX XXXXX owns primary residence free and clear. XXXXX owns XX rental properties free and clear. | 05/01/2025 | B | 2 | XXXXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643433 | XXXXXXXX | XXXXXXXX | 7147156 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for XXX seller concession. XXXX seller concession per guidelines XXXXX | Compensating XXXXX XXXXX owns primary residence free and clear. XXXXX owns XX rental properties free and clear. | 05/01/2025 | B | 2 | XXXXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643434 | XXXXXXXX | XXXXXXXX | 7147157 | 201 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - is missing. | XXXXX provide current hazard policy. XXXX policy in file is a XXXXX | Documents provided | 05/22/2025 | A | 1 | XXXXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643434 | XXXXXXXX | XXXXXXXX | 7147158 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX XXXX XXXXX XXXXX XXXX XXXXXX preliminary is in the file. | Received final bridge loan XX | 05/22/2025 | A | 1 | XXXXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643434 | XXXXXXXX | XXXXXXXX | 7147159 | 321 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | XXXX borrower has less than the required XX active tradelines. XXXXX only has XXX | The exception was granted for less than the required active tradelines with the following compensating factors: XXXX XXXX of XXXXX XXXX credit with XXXXX XXXXX minimal debt and XXX year credit depth. | 05/21/2025 | B | 2 | XXXXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643434 | XXXXXXXX | XXXXXXXX | 7147160 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX shock is over the max of XXXX when the XXXX is over XXXX | The exception was granted for payment shock with the following compensating factors: XXXX XXXX of XXXXX XXXX credit with XXXXX XXXXX minimal debt, and a XXXX credit depth. | 05/21/2025 | B | 2 | XXXXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643435 | XXXXXXXX | XXXXXXXX | 7145472 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX exception for XXXXX with XXXX square feet. XXXXXXX minimum square feet is XXXXX | Compensating factors; XXXXX and credit history perfect. XXXXXXX XXX borrower received a huge raise(did not use to qualify) | 05/10/2025 | B | 2 | XXXXXX | UT | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643435 | XXXXXXXX | XXXXXXXX | 7145473 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for XXXXX with XXXX over XXXX XXXXXXX max XXXX for a XXXXX is XXX | Compensating factors; XXXXX and credit history perfect. XXXXXXX XXX borrower received a huge raise(did not use to qualify) | 05/10/2025 | B | 2 | XXXXXX | UT | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643436 | XXXXXXXX | XXXXXXXX | 7145474 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX loan is a non-arms-length transaction subject to XXXXX management approval. | The exception was granted for the non-arms-length transaction with the following compensating factors: XXXX XXXXX score. XXXX borrower is self-employed for XXX years. XXXX mortgage is paid as agreed over the past XX years. XXXXX in reserves. | 05/23/2025 | B | 2 | XXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643438 | XXXXXXXX | XXXXXXXX | 7145475 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXX XXXXX XX years | DEVIATION: XXXX using XXXX XXXXX income when borrower just became a contract employee in XXXX XXXXXXX XXXXX XXX yrs job time, XXXX XXXX of XXXXX XXXXX assets of XXXX | 05/14/2025 | B | 2 | XXXXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643438 | XXXXXXXX | XXXXXXXX | 7145476 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed XXXX XXXX is XXXXX XXXX XXXX should be limited to XXXXX XXXX XXXX above XXXX is permitted with senior management approval, not to exceed XXXX XXXX borrowers who have less than a XXXXX history, do not have a current housing payment, or own a home free and clear, payment XXXX is considered for reasonableness and should be reviewed with senior management. | Exception approval received for payment shock. XXXXXXX XXXXX XXX yrs job time, XXXX XXXX of XXXXX XXXXX assets of XXXX | 05/22/2025 | B | 2 | XXXXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643441 | XXXXXXXX | XXXXXXXX | 7145477 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge XXX is missing from the loan file. XXXX credit review is on hold until documents received. | CD provided | 05/09/2025 | A | 1 | XXXXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643441 | XXXXXXXX | XXXXXXXX | 7145478 | 351 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX XXXXX to XXXXX ratio is over the max of XXXX for fixed income borrowers. | The exception for a higher debt to income ratio over max of XXXX was granted with the following compensating factors: XXXX XXXXX score. XXXXX XXXX in reserves. XXXX debts are XXXXXX | 05/09/2025 | B | 2 | XXXXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643442 | XXXXXXXX | XXXXXXXX | 7145479 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 05/16/2025 | A | 1 | XXXXXX | TN | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1643442 | XXXXXXXX | XXXXXXXX | 7145480 | 898 | XXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXX XXXXXXX XXXX without a valid XXXX XXXX tolerance violation of XXXXXXX XX refund in the amount of XXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | Information provided | 05/16/2025 | A | 1 | XXXXXX | TN | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643442 | XXXXXXXX | XXXXXXXX | 7145481 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for fixed income and XXXX over XXXXX | Compensating factors; XXX XXXX XXXX primary free and clear and XXX months reserves. | 05/13/2025 | B | 2 | XXXXXX | TN | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643442 | XXXXXXXX | XXXXXXXX | 7145482 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX for payment shock over XXXX | Compensating factors; XXX XXXX XXXX primary free and clear and XXX months reserves. XXXX was free and clear so payment shock was in line with current primary | 05/13/2025 | B | 2 | XXXXXX | TN | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643443 | XXXXXXXX | XXXXXXXX | 7145483 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX approval for declining property values. XXX per guideline declining values requires a XXX reduction in XXXX and management approval. | Received management approval for declining market | 05/16/2025 | A | 1 | XXXXXX | KS | 1 | 1 | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643444 | XXXXXXXX | XXXXXXXX | 7145484 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX XXXX on mortgage XXXXXX XXXXXXXX on mortgage | Compensating XXXXXX fico score, not a credit abuser, XXXX equity in property, XXXXX cash-out to be used towards reserves. | 06/04/2025 | B | 2 | XXXXXX | KS | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643445 | XXXXXXXX | XXXXXXXX | 7145485 | 1055 | XXXXXX | 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 | 05/22/2025 | A | 1 | XXXXXX | AZ | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643448 | XXXXXXXX | XXXXXXXX | 7147161 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX from privately help notes not collateralized by real property may be considered, but at least XXX months receipt of this income must be verified, and the note must allow for continued receipt for three years into the future. XXXXXX XXXXXX months proof of receipt from privately help notes not collateralized by real property. | Compensating XXXXXXXX credit, no derogatory credit on credit report, low ltv, low debt ratio, high residual income and high cash reserve level. | 05/14/2025 | B | 2 | XXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643450 | XXXXXXXX | XXXXXXXX | 7145488 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX active trade lines. XXXXXX XXXXX XXXX alternative credit for additional tradeline. | Compensating XXXXXX debt ratio, high residual income, XXXX income from good quality job, XXXX employment history, job time indicates stability and a likelihood of continued income flow, good cash down payment and high cash reserve level. | 05/12/2025 | B | 2 | XXXXXX | TX | 2 | 1 | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | 1 | |||||||
| 1643451 | XXXXXXXX | XXXXXXXX | 7145489 | 1055 | XXXXXX | 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 | 06/13/2025 | A | 1 | XXXXXX | FL | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643452 | XXXXXXXX | XXXXXXXX | 7145490 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX approval required for an XXXX over XXXX (actual XXXXXX for each borrower being self-employed for less than XX years. | Approval granted for an XXXX over XXXX (actual XXXXXX for each borrower being self-employed for less than XX years. XXXXXXX factors are XXXX XXXXX mortgage history XXXX XXXXX depth from XXXXX XXXX XXXXX term employment in each industry | 05/10/2025 | B | 2 | XXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643453 | XXXXXXXX | XXXXXXXX | 7145491 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX loan program requires XXXXX borrower has XXXXXX XXXXX XXXXXXX approval. | Compensating XXXXX XXXXX owned subject property free and clear, purchased with cash originally. XXXXX has XXX properties all other mortgages are XXXXX | 05/21/2025 | B | 2 | XXXXXX | GA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643453 | XXXXXXXX | XXXXXXXX | 7145492 | 434 | XXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXXXX is short XX months verified assets to meet the reserve requirement. XXXXX out may only be used for reserves in cases where the XXXX is less than or equal to XXXX XXXX XXXX in this case is XXXX | 05/21/2025 | B | 2 | XXXXXX | GA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1643456 | XXXXXXXX | XXXXXXXX | 7147162 | 967 | XXXXXX | Credit | Compliance | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) | XXXXX a XXXXX with the funding date on pg XXX XXXX XXX to be XXXXX or later as per the XXXX XXXXX date. | Information provided | Client 05/07/2025 12:14 PM; Please clarify the grade for this finding. XXX XXXX grade, please waive. XXXX Reviewer 05/07/2025 02:06 PM; Reviewer 05/08/2025 10:14 AM; Hello
 XXX is this is grading a XXXXX 
 XXXX |
05/14/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643456 | XXXXXXXX | XXXXXXXX | 7147163 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for waived escrows; XXXXXXX require escrows. | Compensating factors; XXXX excellent mortgage history, XXXX XXXX | 05/11/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643458 | XXXXXXXX | XXXXXXXX | 7145495 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX history must be XXXX XXXXXX XXXXXXXX time share reporting on credit XXXXX days delinquent as borrower has an attorney and is working through litigation on resolution. | Compensating XXXXXXX years credit depth, XXX years job time, excellent credit and XXXX fico | 05/11/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643460 | XXXXXXXX | XXXXXXXX | 7145496 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX self-employed required XXXXXX XXXXXXX than XX years self employed | Compensating XXXXX XXX file since XXXX assets after close XXXXX residual XXXX good job time, good residence time, good mortgage history and XXXX XXXX | 05/11/2025 | B | 2 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643460 | XXXXXXXX | XXXXXXXX | 7145497 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX XXXXX XXXXX than XX yrs in same line of work. | Compensating XXXXX XXX file since XXXX assets after close XXXXX residual XXXX good job time, good residence time, good mortgage history and XXXX XXXX | 05/11/2025 | B | 2 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643460 | XXXXXXXX | XXXXXXXX | 7145498 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX XXXXX XXXXX of equity on a non-arms' length transaction. | Compensating XXXXX XXX file since XXXX assets after close XXXXX residual XXXX good job time, good residence time, good mortgage history and XXXX XXXX | 05/11/2025 | B | 2 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643460 | XXXXXXXX | XXXXXXXX | 7145499 | 319 | XXXXXX | Credit | UW Assets | UW Assets - UW - Seller Credit exceeds limit | XXXXX contributions of XXXX exceed closing cost of XXXXXXX | Received XXX XXXXX approval for excessive closing costs/ when value reduced by excess amount, XXXX is still in same XXXX XXXXX bucket | Client 05/15/2025 04:49 PM; Purchase XXXXX = XXXX XX XXX max seller concessions = XXXXX XXXX you. Reviewer 05/15/2025 05:22 PM; Seller contribution of XXX XXXXXXXX is allowed; however, the seller contribution exceeds the total closing of XXXXXXX which is not allowed. XXXX Reviewer 05/15/2025 05:22 PM; Seller contribution of XXX XXXXXXXX is allowed; however, the seller contribution exceeds the total closing of XXXXXXX which is not allowed. |
05/18/2025 | A | 1 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1643463 | XXXXXXXX | XXXXXXXX | 7145501 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX borrower has less than XX years self-employment as required per guideline. | The exception for the co-borrower having less than XX years self-employment was granted with the following compensating factors: XXXXXX lived in primary residence over XX years; XXXXXX have been in the same line of work for XXX and XXX years respectively; XXXXX is XXXX for borrower and XXXX for the co-borrower. XXXX mortgage has been paid on time XXXXX | 05/13/2025 | B | 2 | XXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643463 | XXXXXXXX | XXXXXXXX | 7145502 | 904 | XXXXXX | Credit | UW Assets | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds | XXXX final closing disclosure from sale of the property located at XXXXX XXXXX XXXX XXXXX XXXXXX XXX XXXXX | Received final XXX for property located at XXXXX XXXXX XXXX XXXXX XXXXXX XXX XXXXX | 05/13/2025 | A | 1 | XXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643465 | XXXXXXXX | XXXXXXXX | 7147164 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX require loans with a XXXX >= XXXX have a XXXX less than XXXX XXXX is XXXXX and the XXXX is XXXXX | Compensating XXXXX XXXXX residual income; XXXXX cash reserve level; XXXXX employment history that indicates stability; XXXXX history in file paid XXXX credit reporting since XXXX | 05/12/2025 | B | 2 | XXXXXX | FL | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643466 | XXXXXXXX | XXXXXXXX | 7145504 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX XXXX XXXXX | DEVIATION: XXXXX has been living with family since he sold his primary residence in XXXX XXXXXX XXXXXXX XXXXX XXXXX XXXXX XXXX mortgages paid as agreed, XXXXX XXXX of XXX years, XXXX had any late payments with XXX year credit depth | 05/21/2025 | B | 2 | XXXXXX | NM | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643466 | XXXXXXXX | XXXXXXXX | 7145505 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXX XXXXXXX | DEVIATION: XXXXX XXXXX XXXXXX as XXXXX XXXXX purchased the home XXXXXXX XXXXXXX XXXXX XXXX XXXXX XXXXX XXXX mortgages paid as agreed, XXXXX XXXX of XXX years, XXXX had any late payments with XXX year credit depth | 05/21/2025 | B | 2 | XXXXXX | NM | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643468 | XXXXXXXX | XXXXXXXX | 7145507 | 862 | XXXXXX | Compliance | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | XXXX XX is missing from file. XXXXX provide along with XXXX to re-record. | Information provided | 05/19/2025 | A | 1 | XXXXXX | NJ | 1 | 1 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643468 | XXXXXXXX | XXXXXXXX | 7145508 | 1055 | XXXXXX | 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. | Document received | 05/22/2025 | A | 1 | XXXXXX | NJ | 1 | 1 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643469 | XXXXXXXX | XXXXXXXX | 7145509 | 350 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXX XXXX XXXX of XXXX for investor XXXXX program. | The exception for XXXX was granted with the following compensating factors: XXX file since XXXX XXXXX after closing are over XXXXX million; XXXX borrower has been in residence for over XXX years. XXXX borrower has been in the same employment for over XX years. XXXX borrower is an experienced investor. | 05/20/2025 | B | 2 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643471 | XXXXXXXX | XXXXXXXX | 7145510 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX need for XXX acres and rural property. XXXXXXX max acres for rural property are XX acres. | Compensating XXXXX XXXXX assets, XXXXX history, XXXX use of credit. | 05/22/2025 | B | 2 | XXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643473 | XXXXXXXX | XXXXXXXX | 7145511 | 1055 | XXXXXX | 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. XXXX credit review is on hold until documents are received. | Documentation received. | 05/28/2025 | A | 1 | XXXXXX | CA | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643474 | XXXXXXXX | XXXXXXXX | 7145512 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX approval required on new construction condo complex. XXXXXX XXXXX XXXXXXX approval in file for new complete only XXXX complete. | Compensating XXXXXXX file since XXXX over XXXXX in assets after close, XXXXX residual, good job time, good mortgage history and XXXX fico. | 05/11/2025 | B | 2 | XXXXXX | MI | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643475 | XXXXXXXX | XXXXXXXX | 7145513 | 1055 | XXXXXX | 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. | Documents provided | 05/11/2025 | A | 1 | XXXXXX | MT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643475 | XXXXXXXX | XXXXXXXX | 7145514 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX properties require management approval. XXXXXX XXXXXXXX with majority commercial space (condo unit with large garage and a small office space). | Compensating XXXXXXX credit history for both borrowers, low XXXXX residual income over XXXX month, low XXXX and XXXX XXXXX | 05/12/2025 | B | 2 | XXXXXX | MT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643477 | XXXXXXXX | XXXXXXXX | 7145515 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX XXXX on XXXXX property is XXX | DEVIATION: XXXX for XXXX XXXX on XXXXX XXXXX XXXXXXX XXXXX XXXXX XXXXXXX XXXX XXXXX XXXXXXXX XXXXXX XXXXXX XXXXX including XXXXX XXXXX | 05/28/2025 | B | 2 | XXXXXX | MA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643478 | XXXXXXXX | XXXXXXXX | 7145517 | 350 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXX max XXXX for XX family. XXXX XXXX is XXXX and loan is at XXXXX | The exception for XXXX was granted with the following compensating factors: XXXXX XXXXXX XXXX stable self-employment XXXX yrs) excellent credit and mortgage history all paid on time XXXXX XXXXX is XXXX history. | 05/28/2025 | B | 2 | XXXXXX | MA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643479 | XXXXXXXX | XXXXXXXX | 7147165 | 384 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | XXXXX must be self employed for XXXX years. | XXX XXXXXX paid as agreed XXXXXXXXX down | Reviewer 05/21/2025 05:09 PM; Client approved an exception to the minimum XX year requirement. |
05/21/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643479 | XXXXXXXX | XXXXXXXX | 7147166 | 317 | XXXXXX | Credit | UW Assets | UW Assets - UW - Hud-1 from sale | XXXXX the final signed XXXXX from sale of XXXXX XXXX XXXXX XXX to show proceeds to our borrower/property seller | HUD provided | 05/22/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643481 | XXXXXXXX | XXXXXXXX | 7145656 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX assets after closing is XXXXXXX | Exception allowing assets after close less than XXXXXXXX XXXXXXXXXX XXXXXXX XXXXX XXXXX pride in ownership on current primary of XXX years, good collateral, XXXXX XXXX with no derogatory since XXXX not abuser of credit | 05/08/2025 | B | 2 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643483 | XXXXXXXX | XXXXXXXX | 7147168 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Testing completed | 05/29/2025 | A | 1 | XXXXXX | WA | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1643483 | XXXXXXXX | XXXXXXXX | 7147169 | 898 | XXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXXX fee in XXXX XX of the XXXXX XXXXX XXXX is a XXXX for this date but it does not explain why this fee increased. XXXXXX amount is XXXX XXXXX a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation. | Documents requested were provided | 05/29/2025 | A | 1 | XXXXXX | WA | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643483 | XXXXXXXX | XXXXXXXX | 7147170 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX XXXX for fixed income borrowers is XXXX XXXXXX XXXXXXXXX XXXXX management has approved the XXXX XXXX | Compensating XXXXXX mortgages paid as agreed, credit depth of XXX years, no late payments, XXXX fico and low ltv. | 05/19/2025 | B | 2 | XXXXXX | WA | 1 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643485 | XXXXXXXX | XXXXXXXX | 7145525 | 201 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - is missing. | XXXX XXXXX XXXXXX XXXXX was not found in the file. XXXX evidence of XXXXX XXXXXXX | Information provided | 06/13/2025 | A | 1 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643485 | XXXXXXXX | XXXXXXXX | 7145526 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXX than XXXX XXXXXXXXX | DEVIATION: XXXXX than XXX months of XXXX statements XXXXXXX XXXXX XXXX XXXX XXXXX paid as agreed, XXXX a prior mtg that they sold paid XXXX XXXX down coming from the sale of the home. XXXX borrower just completed his residency and is XXXXXXXX for the past XX months | 06/10/2025 | B | 2 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643486 | XXXXXXXX | XXXXXXXX | 7147171 | 1055 | XXXXXX | 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 provided | 05/23/2025 | A | 1 | XXXXXX | FL | 2 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643488 | XXXXXXXX | XXXXXXXX | 7147175 | 862 | XXXXXX | Credit | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | XXXX XX is missing from file. XXXXX provide along with XXXX to re-record. | Information provided | 05/21/2025 | A | 1 | XXXXXX | NE | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643488 | XXXXXXXX | XXXXXXXX | 7147176 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for loan amount of XXXXXX guidelines require loan amount of XXXXXXXXX | Compensating factors; residual value of subject property, reserves XXXX months, XXXXX XXX months primary residence mortgage. | 05/22/2025 | B | 2 | XXXXXX | NE | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643489 | XXXXXXXX | XXXXXXXX | 7145530 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX require properties with less than XXXX square fee have senior management approval. XXXX subject property has XXXX square feet. | Compensating XXXXX XXXXXX credit; no derogatory credit on credit bureau; XXXXXX XXXXXX XX mtgs reporting paid XXX for XXXX months. | 05/11/2025 | B | 2 | XXXXXX | CA | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643489 | XXXXXXXX | XXXXXXXX | 7145531 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XXXXXXX XXXXX and XXXXX show a XXXXX XX gain of XXXXX used for qualifying rental income. XXXXX income was validated with the XXXXX XXXXX XX resulting in a XXXXX XXXX XXXXX of XXXXX and a XXXX > XXXXX | SCHEDULE XX income of XXXXXXX net gain. XXXXX XXXX XX XX XXXX XXXX XXXXXXX XXXX XXXXXXX : XXXX XXXX gain/loss: XXXXXX XXXX XXXX XXX XXXX XXXX XXXX XXXXXXX XXXX XXXXXXX : XXXX XXXX gain/loss: XXXXXX XXXX XXXXX XXXX (pre XXXXX XXXX XXXXXXX XXXXX XXXX payment of XXXXXXX (subtracted out) XXXXXXXX XXXX XXXX gain/loss: XXXXXX XXXXX XXXX XXXXX XXX XXXX XXXXXXX XXXXX XXXXXXX XXXX XXXX gain/loss: XXXXXXX XXXXXX XXXXXX + XXXXXX + XXXXXX - XXXXXX = XXXXXXX | Client 05/13/2025 02:07 PM; SCHEDULE XX income of XXXXXXX net gain. 
 
 XXXXX XXXX XX XX XXXXX XXXX XXXXXXX XXXXX XXXXXXXX XXXXX XXXX gain/loss: XXXXXXX 
 XXXX XXXX XXX XXXX XXXXX XXXX XXXXXXX XXXXX XXXXXXXX XXXXX XXXX gain/loss: XXXXXXX 
 XXXX XXXXX XXXX (pre XXXXXX XXXX XXXXXXX XXXXXX XXXX payment of XXXXXXX (subtracted out)
 XXXXXXXX XXXXX XXXX gain/loss: XXXXXXX 
 
 
 
 XXXX Reviewer 05/14/2025 06:20 AM; Condition has been reviewed. XXX |
05/14/2025 | A | 1 | XXXXXX | CA | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643493 | XXXXXXXX | XXXXXXXX | 7145535 | 868 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXX XXXXX XXXXXX XXXXX did not reflect any policy number. XXXXX must reflect a policy number. | Information provided | 05/28/2025 | A | 1 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643493 | XXXXXXXX | XXXXXXXX | 7145536 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower's credit report and final bridge XXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Missing documents provided | 05/22/2025 | A | 1 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643493 | XXXXXXXX | XXXXXXXX | 7145537 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX borrower should have sufficient active tradelines. XXXXXX XXXXXXX has no active tradelines. | Compensating XXXXXXX mortgage history, good amount in assets after closing, significant equity and XXXX fico score. | 05/22/2025 | B | 2 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643493 | XXXXXXXX | XXXXXXXX | 7145538 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX shock to be under XXXX XXXXXX XXXXXXXX shock over XX | Compensating XXXXXXX mortgage history, good amount in assets after closing, significant equity and XXXX fico score. | 05/22/2025 | B | 2 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643493 | XXXXXXXX | XXXXXXXX | 7145539 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX XXXX for fixed income is XXXX XXXXXX XXXXXX is over XXXXXX | Compensating XXXXXXX mortgage history, good amount in assets after closing, significant equity and XXXX fico score. | 05/22/2025 | B | 2 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643496 | XXXXXXXX | XXXXXXXX | 7145666 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX XXXX XXXXX | DEVIATION: XXXXX XXXXX XXXXXXX has approved no current mortgage history as the borrower's current primary has been free & clear since XXXXX XXXXXXX XXXXX XXXXXX XXXXXX XXXX XXXXX XXXX XXXXX depth of XXX years. XXXXX paid as agreed. XXXX had any late payments with XXXXX credit depth | 05/20/2025 | B | 2 | XXXXXX | CO | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643499 | XXXXXXXX | XXXXXXXX | 7145546 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX assets were approved for use in the calculation of asset depletion income. | The exception was granted for the use of business funds from XXXX to calculate asset depletion income with the following compensating factors: XXXXX history is XXXXX XXXX borrowers have a low XXXX at XXXXXXX XXXX borrowers are experienced homeowners with XX other properties. XXXX XXXX | 05/19/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1643499 | XXXXXXXX | XXXXXXXX | 7145548 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX appraiser stated the home is a XXXXX XXXXX residence with XXXXXX XXXXX and XXXX listed as a multifamily. XXXX determination is the property is a single family with an accessory unit. | The exception was granted for the property as a XXXXX family with an accessory unit, with the following compensating factors: XXXXX history is XXXXX XXXX borrowers have a low XXXX at XXXXXXX XXXX borrowers are experienced homeowners with XX other properties. XXXX XXXX | 05/19/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1643502 | XXXXXXXX | XXXXXXXX | 7145549 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing form the loan file. XXXX credit review is on hold until documents are received. | Document provided | 05/23/2025 | A | 1 | XXXXXX | OH | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643503 | XXXXXXXX | XXXXXXXX | 7145550 | 1015 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - IRS Transcripts required | XXXXX & XXXXX missing | Received XXXXX & XXXXX transcripts | 05/28/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643504 | XXXXXXXX | XXXXXXXX | 7145551 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for self-employed less than XX years. XXXXXXX require XX years self-employment | Compensating factors; XXXXX of XXXXXX after closing. XXXXX history | 05/14/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643509 | XXXXXXXX | XXXXXXXX | 7145671 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX needed for cash out with ownership less than XX months. XXXXX out loans require ownership of atleast XX months. | Compensating XXXXX XXXX rental history, XXX previous mortgage history, XXXXX after closing. | 05/19/2025 | B | 2 | XXXXXX | HI | 2 | 13 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643510 | XXXXXXXX | XXXXXXXX | 7145672 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX is self employed for less than two years and should be employed for two years. | Compensating factors: length of employment with professional industry with high pay, XXXXX XXX month for prior primary residence, residual income over XXXXX | 05/29/2025 | B | 2 | XXXXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643510 | XXXXXXXX | XXXXXXXX | 7145673 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX has XX months XXXX statements vs. XXX months XXXX statements needed for program. | Compensating factors: length of employment with professional industry with high pay, XXXXX XXX month for prior primary residence, residual income over XXXX prior XXX income for XX years support earnings for the profession. | 05/29/2025 | B | 2 | XXXXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643511 | XXXXXXXX | XXXXXXXX | 7145555 | 378 | XXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XXXX XXXX XXXXX needs the following items corrected XXXXX XXXX & XXXXX XXXX number are missing from the XXXX XXXXX XXXXXXXX XXXXX you occupy the property as your primary residence? XXXXX no, but this is the purchase of a XXXX XXXXXX so the answer should be XXXX * XXX XXXXX have you had an ownership interest in another property in the last three years? XXXXX no, but the borrower is a prior homeowner and XXXXX prior primary in the last XXX months * XXX XXXXX complete XXXX and XXXXX XX & XX to be answered | received revised XXXX | 05/29/2025 | A | 1 | XXXXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643512 | XXXXXXXX | XXXXXXXX | 7145674 | 201 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - is missing. | XXXX hazard policy in file is an application. XXXXX provide policy. | Information provided | 05/30/2025 | A | 1 | XXXXXX | AZ | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643512 | XXXXXXXX | XXXXXXXX | 7145675 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX XXXX is XXXX XXXXXX XXXXXX is over XXXX XXXXX | Compensating XXXXXXXX pride in ownership living in primary for XX years, experienced investor, XXXX XXXX mortgages paid XXX and nice collateral. | 05/29/2025 | B | 2 | XXXXXX | AZ | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643513 | XXXXXXXX | XXXXXXXX | 7145558 | 436 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete VOE | XXXXX is not dated. | Received XXXXX dated | 05/16/2025 | A | 1 | XXXXXX | LA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643515 | XXXXXXXX | XXXXXXXX | 7145559 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXX is over XXXXX | The exception for payment shock over maximum was granted with the following compensating factors: XXXXXX have good pride in ownership over XX years. XX years on the job; XXXXX is XXXX and XXXX with the mortgage paid on time for XXX months. | 05/19/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643515 | XXXXXXXX | XXXXXXXX | 7145560 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXX must be self-employed for XX years. | The exception for XXXXXXXX less than XX years was granted with the following compensating factors: XXXXXX have good pride in ownership over XX years. XX years on the job; XXXXX is XXXX and XXXX with the mortgage paid on time for XXX months. | 05/19/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643516 | XXXXXXXX | XXXXXXXX | 7145561 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX borrowers should have a XXXXX history of self-employment. XXXXXX XXXXXXXX XX years XXXX (has been in the industry for over XX years). | Compensating XXXXXXX debt payment history, XXX rent payment history, additional assets for reserves and XXXX XXXXX score. | 05/22/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643516 | XXXXXXXX | XXXXXXXX | 7145562 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX months bs income should have XXX months of XXXX statements. XXXXXX XXXXXXXX XXX months XXX for qualifying income (using XX months XXXX statements, due to XXX length). | Compensating XXXXXXX debt payment history, XXX rent payment history, additional assets for reserves and XXXX XXXXX score. | 05/22/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643516 | XXXXXXXX | XXXXXXXX | 7145563 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX payment shock for XXXX over XXXX is XXXX XXXXXX XXXXXXXX shock is over XXXXX | Compensating XXXXXXX debt payment history, XXX rent payment history, additional assets for reserves and XXXX XXXXX score. | 05/22/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643516 | XXXXXXXX | XXXXXXXX | 7145564 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX max XXXX should be XXXX XXXXXX XXXXXX over XXXX for XXXX | Compensating XXXXXXX debt payment history, XXX rent payment history, additional assets for reserves and XXXX XXXXX score. | 05/22/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643517 | XXXXXXXX | XXXXXXXX | 7145565 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX XX million | DEVIATION: XXXXX XXXX XXXXXXXX XXXXXXX XXXXX XXXXX collateral, XXXXX XXXX time, XXXXX XXXXX XXXX paid XXX last XX months | 05/21/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1643517 | XXXXXXXX | XXXXXXXX | 7145567 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX dated XXXXXX does not reflect XXXX XXXXX in the amount of XXXXXXXXXX per month. XXXXXX needed | Received revised appraisal | 05/28/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1643517 | XXXXXXXX | XXXXXXXX | 7145568 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XXXX statements were used to calculate income. XXXXXX XXXXX XXXXX XXXXXX from XXXX XXXX XXXX is missing from this file. XXX explanation as to why XXXXXX XXXXX XXXXX XXXXXX was not utilized in calculating the borrower’s income. XXX consecutive XXXX statements need to be utilized. XXXX XXXX XXXX XXXX XXXXXX XXXXX XXXXX XXXXXX XXXXXXX conditions may apply. | September XXXX statement provided | 05/23/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1643518 | XXXXXXXX | XXXXXXXX | 7145676 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX amounts less than the minimum XXXXXXX are available on an exception basis. XXXX loan amount is XXXXXXX | Compensating XXXXX XXXX XXXXX XXXXX XXXXXX XXXXX cash reserve level, XXXXX months; XXXXXX credit, not a credit abuser, XXXX XXXX no derogatory credit on credit bureau. | 06/12/2025 | B | 2 | XXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643521 | XXXXXXXX | XXXXXXXX | 7145570 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX require senior management approval for rural properties. XXXXXX shows subject property is rural, XXXXX built up. | Compensating XXXXX XXXX employment history of XX years; XXX months reserves; good mortgage history, XXXX mos; good credit, not a credit abuser, XXXX XXXX | 06/03/2025 | B | 2 | XXXXXX | SC | 1 | 3 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643523 | XXXXXXXX | XXXXXXXX | 7145681 | 1055 | XXXXXX | 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 | 05/28/2025 | A | 1 | XXXXXX | AZ | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643527 | XXXXXXXX | XXXXXXXX | 7147192 | 1055 | XXXXXX | 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 | 06/17/2025 | A | 1 | XXXXXX | NM | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643528 | XXXXXXXX | XXXXXXXX | 7145688 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XX years XXXXXXXX is required for XXX month XXXX statement program. XXXX borrower has XX year self-employment verified. | The exception for less than XX years self-employment was granted with the following compensating factors: XXXXX in reserves XXXX XXXXX | 05/27/2025 | B | 2 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643529 | XXXXXXXX | XXXXXXXX | 7145689 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX loan amount is XXXXXX XXXX loan amount for subject is XXXXXXX | Compensating XXXXX XXXX of XXXXX XXXXX in the amount of XXXXXXX XXXXX has been a seasoned homeowner for XXX years. | 06/03/2025 | B | 2 | XXXXXX | SC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643530 | XXXXXXXX | XXXXXXXX | 7145577 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX XXXXXX XXXXXX | Compensating XXXXXXXXXX investor, good pride in ownership living in primary for XX years, good collateral, low XXXX and XXXX fico. | 05/29/2025 | B | 2 | XXXXXX | TX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643534 | XXXXXXXX | XXXXXXXX | 7145578 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX property is rural and requires approval by XXXXXX | The exception was granted for rural property with the following compensating factors: XXXX XXXXX all consumer credit paid as agreed. XXXXX XXXX in reserves. XXXX borrower has XXX years in the same business. | 05/27/2025 | B | 2 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1643534 | XXXXXXXX | XXXXXXXX | 7145579 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX shock exceeds maximum of XXXX at XXXXX | The exception was granted for payment shock exceeding the maximum with the following compensating factors: XXXX XXXXX all consumer credit paid as agreed. XXXXX XXXX in reserves. XXXX borrower has XXX years in the same business. | 05/27/2025 | B | 2 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1643535 | XXXXXXXX | XXXXXXXX | 7145581 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX is below the minimum XX at XXXX | The exception for XXXXX below XX was granted with the following compensating factors. XXXX XXXX at XXXX XXXXX of XXXXXXXXX XXXXX is a seasoned homeowner and XXXXX is XXXX mortgage payments made on time XXXXX | 05/22/2025 | B | 2 | XXXXXX | CO | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643535 | XXXXXXXX | XXXXXXXX | 7145582 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX grade below XXX requires XXXXX management approval. XXXX is at XX | The exception for XXXXX below XXX was granted with the following compensating factors. XXXX XXXX at XXXX XXXXX of XXXXXXXXX XXXXX is a seasoned homeowner and XXXXX is XXXX mortgage payments made on time XXXXX | 05/22/2025 | B | 2 | XXXXXX | CO | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643536 | XXXXXXXX | XXXXXXXX | 7145690 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX XXXXXX XXXX is missing from this file | Transmittal provided | 06/12/2025 | A | 1 | XXXXXX | HI | 3 | 1 | D | B | D | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1643536 | XXXXXXXX | XXXXXXXX | 7145691 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX property is XXXX XXXXX will consider some rural properties, but all require senior management approval. | Addressed on the XXXXX loan approval | 06/12/2025 | A | 1 | XXXXXX | HI | 3 | 1 | D | B | D | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1643536 | XXXXXXXX | XXXXXXXX | 7145693 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXX footage less than XXXX is eligible with XXXXX XXXXXXX XXXXXX | DEVIATION: XXXXX XXXX XXXXX for property under XXXX sq foot. XXXXXXX XXXXX XXXXX XXXXXX owns investment property for XXXXX XXXXX XXXX XXXXX and XXXX paid XXXXXX & XXXX XXXXX | 06/11/2025 | B | 2 | XXXXXX | HI | 3 | 1 | D | B | D | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1643538 | XXXXXXXX | XXXXXXXX | 7145589 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final XXX for bridge loan proceeds are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 06/03/2025 | A | 1 | XXXXXX | ID | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643539 | XXXXXXXX | XXXXXXXX | 7145590 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX requires XXXX score. XXXXXX XXXXXX XXXXX score. | Compensating XXXXXXX file since XXXX over XXXXX in assets after close, good job history, good residual income, good previous mortgage history. | 05/21/2025 | B | 2 | XXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643539 | XXXXXXXX | XXXXXXXX | 7145591 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX pay shock XXXX XXXXXX XXXXXXXXX payment shock of XXXXX because current primary is free and clear. | Compensating XXXXXXX file since XXXX over XXXXX in assets after close, good job history, good residual income, good previous mortgage history. | 05/21/2025 | B | 2 | XXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643540 | XXXXXXXX | XXXXXXXX | 7145592 | 201 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - is missing. | XXXX XXXX XXXXX XXXXXX XXXXX was not found in the file. XXXX evidence of XXXXX XXXXXXX | Information provided | 06/04/2025 | A | 1 | XXXXXX | GA | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643541 | XXXXXXXX | XXXXXXXX | 7145596 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX loan amount is XXXXX XXXXXX XXXXXXX below minimum of XXXX | Compensating XXXXXX XXXX of XXXXX seasoned homeowner for XXX yrs, good reserves of over XXXX and XXXX fico score. | 05/24/2025 | B | 2 | XXXXXX | MN | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643542 | XXXXXXXX | XXXXXXXX | 7145597 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX XXXX is XXXX XXXXXX XXXXXX XXX | Compensating XXXXXXX pride in ownership, living in primary for XXX yrs, good collateral, XXXX credit score, no derogatory, mortgage paid XXX for XXX months, not an abuser of credit and previous commercial investment experience. | 05/29/2025 | B | 2 | XXXXXX | UT | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643542 | XXXXXXXX | XXXXXXXX | 7145598 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX loan amount is XXXX million. XXXXXX XXXXXXX amount is over XXXX million. | Compensating XXXXXXX pride in ownership, living in primary for XXX yrs, good collateral, XXXX credit score, no derogatory, mortgage paid XXX for XXX months, not an abuser of credit and previous commercial investment experience. | 05/29/2025 | B | 2 | XXXXXX | UT | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643543 | XXXXXXXX | XXXXXXXX | 7145696 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX is XXXX for XXXX XXXX XXXXX XXXXX purchase. | Compensating factors: XXXXX and rental history XXXXX stable line of work as XXXX with high earning potential, XXX months reserve above minimum requirement of XX months. | 05/29/2025 | B | 2 | XXXXXX | IL | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643543 | XXXXXXXX | XXXXXXXX | 7145697 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX require XXXXX to be self-employed minimum XX years. XXXXXX approved for XXXXX has been self-employed < XX years (since XXXXXXX XXXXX transitioned from XXX to XXXXX XXXX | Compensating factors: XXXXX and rental history XXXXX stable line of work as XXXX with high earning potential, XXX months reserve above minimum requirement of XX months. | 05/29/2025 | B | 2 | XXXXXX | IL | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643544 | XXXXXXXX | XXXXXXXX | 7145602 | 1055 | XXXXXX | 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 | 06/09/2025 | A | 1 | XXXXXX | OR | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643546 | XXXXXXXX | XXXXXXXX | 7145603 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX borrower had a modification less than XX years. XXXXXXXX are required to be XX years or oler. | The exception was granted for the borrower's modification less than XX years ago with the following compensating factors. XXXXX residence XXXX yrs), experienced investor, XXXXX greater than XXXX at XXXX XXXXX is XXXX with no late payments on the primary mortgage. | 06/17/2025 | B | 2 | XXXXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643547 | XXXXXXXX | XXXXXXXX | 7145698 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX provide mortgage statements for the following property addresses that were not on the borrower's list of properties that have been paid in full XXXXX XXXX XXXXX XXXX XXXXX XXXX XXXXX XXXX XXXXX XXXX XXXXX XXXX XXXXX XXXXXX XXXXX and XXXX XXXX XXXX | Approved per XXX discretion | 06/02/2025 | A | 1 | XXXXXX | NV | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643548 | XXXXXXXX | XXXXXXXX | 7145703 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX ownership by one entity is XXXX XXXXXX XXXXX XXXX for over XXXX of units owned by XX owner | Compensating XXXXXXXXX residence XXXX yrs), low XXXXX good reserves after close and XXXX fico score. | 05/30/2025 | B | 2 | XXXXXX | GA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643549 | XXXXXXXX | XXXXXXXX | 7145610 | 351 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX max XXXX for a XXXX XXXXX XXXXXX is XXXX XXXX borrower's XXXXX to income ratio is XXXXX | The exception for exceeding the maximum debt-to-income ratio was granted with the following compensating factors: XXXX borrower has had a stable residence for XXX years and stable employment for XXX years. XXXX borrower has over XXXXX in residual income. XXXXX is XXXXX | 06/04/2025 | B | 2 | XXXXXX | NH | 2 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643549 | XXXXXXXX | XXXXXXXX | 7145611 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX borrower does not have the required XXXXX housing history for a XXXXX-time homebuyer. | The exception for no housing history was granted with the following compensating factors: XXXX borrower has had a stable residence for XXX years and stable employment for XXX years. XXXX borrower has over XXXXX in residual income. XXXXX is XXXXX | 06/04/2025 | B | 2 | XXXXXX | NH | 2 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643550 | XXXXXXXX | XXXXXXXX | 7147193 | 862 | XXXXXX | Credit | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | XXXX XXXX XX is missing from file. XXXXX provide along with XXXX to re-record. | Document provided | 06/03/2025 | A | 1 | XXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643551 | XXXXXXXX | XXXXXXXX | 7145704 | 72 | XXXXXX | Credit | Closing Package | Closing Package - | XXXXX provide the XXXXX XXXXXX | Information provided | 06/20/2025 | A | 1 | XXXXXX | MA | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643553 | XXXXXXXX | XXXXXXXX | 7145614 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX has been self employed for only XX months. XXXX requires XXXX years | Compensating factors: XXXXXX approved. XXXXX has paid credit as agreed and has reserves of XXXX | 06/03/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643555 | XXXXXXXX | XXXXXXXX | 7145705 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX properties must be approved by XXXXX XXXXX XXXX XXXXXX XXXXXXXXX XXXXX XXXXXX has approved as property is rural and in a declining market. | Compensating XXXXXXXX XXXXX scores, credit depth of XXX years, all mortgages paid as agreed, no late payments and low ltv. | 06/04/2025 | B | 2 | XXXXXX | OR | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643558 | XXXXXXXX | XXXXXXXX | 7145616 | 384 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | XXXXX is required to be self-employed for a minimum of two years. XXXXX has only been self-employed since XXXXX | Compensating factors: XXXXX will have XXXXXX assets after closing. XXXXX has perfect rental history and XXXX credit score. | 05/27/2025 | B | 2 | XXXXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643559 | XXXXXXXX | XXXXXXXX | 7145617 | 350 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXXX refinance XXXXX XXXXX program using short-term rent is limited to a XXXX XXXX XXXX loan is at XXX | Compensating XXXXXXXXX XXXXXX XXXXX XXXXX XXXXXXX XX years in primary residence. XXXX years in the same business when only XX years required | 06/20/2025 | B | 2 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643559 | XXXXXXXX | XXXXXXXX | 7145618 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXX rental income requires XXX months history. XXXXX history on this loan only verified for XX months. | Compensating XXXXXXXXX XXXXXX XXXXX XXXXX XXXXXXX XX years in primary residence. XXXX years in the same business when only XX years required. | 06/20/2025 | B | 2 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643560 | XXXXXXXX | XXXXXXXX | 7145621 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX final XXX for the sale of the departing residence was missing from the loan file. XXXX credit review is on hold until documents are received. | Documentation provided | 06/12/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643560 | XXXXXXXX | XXXXXXXX | 7145622 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXX be XX yrs self-employed. XXXXXX XXXXXXX than XX yrs self-employed. | Compensating XXXXXXX pride in ownership, living in primary home for over XX years, XXXX has a good job history, XXXX fico score, no derogatory credit, all mortgages paid on time and low ltv. | 06/12/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643560 | XXXXXXXX | XXXXXXXX | 7145623 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX XXXX pay shock. XXXXXX XXXXX XXXX shock over XXXX | Compensating XXXXXXX pride in ownership, living in primary home for over XX years, XXXX has a good job history, XXXX fico score, no derogatory credit, all mortgages paid on time and low ltv. | 06/12/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643560 | XXXXXXXX | XXXXXXXX | 7145624 | 904 | XXXXXX | Credit | UW Assets | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds | XXXXX final signed cd from sale of departing property. | Received XXXXX XXXXX | 06/12/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643567 | XXXXXXXX | XXXXXXXX | 7145706 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX borrower must had owned their primary residence for XXX months. XXXXXX XXXXXXXXX does not own a home. XXXXXX renting. | Compensating XXXXXXX file since XXXX over XXXX in assets after close, good job history, good residence time, good mortgage history and XXXX fico score. | 06/02/2025 | B | 2 | XXXXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643568 | XXXXXXXX | XXXXXXXX | 7145626 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX shock above XXX is permitted with XXXXX management approval, not to exceed XXXXX XXXXXX XXXXXXXXXXXXX approved XXXXX payment shock due to no mortgage on departure property. | Compensating XXXXXXXXX homeowner, departing property is free and clear, no late payments, exceeds reserve requirement of XX months with XXXXX months in reserves after close, XXXX fico and good job history. | 06/18/2025 | B | 2 | XXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643569 | XXXXXXXX | XXXXXXXX | 7145628 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX for XXX within XXX days of closing missing from file. | Received XXX day XXXX | Reviewer 06/09/2025 09:17 AM; Document received is not legible |
06/09/2025 | A | 1 | XXXXXX | MN | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643570 | XXXXXXXX | XXXXXXXX | 7145707 | 437 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX is missing from this file | Received XXXX | 06/18/2025 | A | 1 | XXXXXX | MA | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643571 | XXXXXXXX | XXXXXXXX | 7145634 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXX below XXX requires XXXXXXXXX approval. XXXXXX XXXXXXX XXX XXXX | Compensating XXXXXXXXX investor, mortgages paid XXXXX over XXX months, fico score of XXXX is above minimum requirement of XXXXX XXX months reserves from own funds and only XX months are required. | 06/17/2025 | B | 2 | XXXXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643572 | XXXXXXXX | XXXXXXXX | 7145680 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX credit reports are missing from the loan file. XXXX credit review is on hold until documentation is received. | Documentation provided | 06/19/2025 | A | 1 | XXXXXX | NJ | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643576 | XXXXXXXX | XXXXXXXX | 7145638 | 424 | XXXXXX | Credit | UW Collateral | UW Collateral - UW - Appraisal Report invalid or expired | XXXX appraisal report is greater than XXXX days old and missing the recertification of value. | Compensating XXXXXXXXX XXXXXXXXX XX x XXX XXXXX XXXXX XXXXXX XXXXX years in XXXX XXXXXX XXXXXX XXXXXXX | 06/20/2025 | B | 2 | XXXXXX | TN | 3 | 13 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643577 | XXXXXXXX | XXXXXXXX | 7145639 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX loan amount is below the minimum of XXXXXX at XXXXXXX | Compensating XXXXXX of XXXX where the maximum is XXXX and XXXXX of XXXX where the minimum is XXXXX | 06/19/2025 | B | 2 | XXXXXX | SC | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643582 | XXXXXXXX | XXXXXXXX | 7145651 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX to be self-employed in same business for two years. XXXXXX XXXXXXXX XXXX statement income average of XX months of prior job with ex-spouse and most recent XXXX average of XXXX statement income from new self-employed business. | Compensating XXXXX XXXX XXXX where the maximum allowed is XXXXX XXX years in the same line of work, XXXX fico score where XXXX is the minimum required, residual income of XXXXXXX and XXXXX months reserves where XX months are required | 04/19/2025 | B | 2 | XXXXXX | GA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643583 | XXXXXXXX | XXXXXXXX | 7145652 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX tradeline requirement with XX year credit history with XX tradelines with two active has not been met. XXXXXX two accounts opened XXXX | Exception granted. XXXXXXX factors: XXXX XXXX of XXXX with max XXXX of XXXX for XXXXXXXX XXX years job stability with current company, XXXXX XXXX with minimum of XXXXX of XXXX required, no derogatory repayment history on credit report | 03/13/2025 | B | 2 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643583 | XXXXXXXX | XXXXXXXX | 7145653 | 1055 | XXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX updated loan approval reflecting paystubs used for qualifying and not asset depletion and income worksheet verifying XXX calculation. XXXXX are short to close after translation. XXXXX review is on hold until documents are received. | Missing documents provided | 03/18/2025 | A | 1 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643583 | XXXXXXXX | XXXXXXXX | 7145654 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | updated loan approval confirming XXXXXX XXXX XXXXX XXXXX not asset depletion. XXXXX doc type XXXXXX XXXX vs XXXX depletion | Received approval with alterntive doc type. | Reviewer 03/20/2025 09:08 AM; The approval received reflects doc type of XXXXX XXXX - XX year taxes. XXXX are no tax returns located in the file |
03/20/2025 | A | 1 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643585 | XXXXXXXX | XXXXXXXX | 7145662 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXX fico score for XXXX is XXXX XXXXXX XXXXXX XXXXX score. | Compensating XXXXXXXXX in file cover XXX months reserves, significant equity in subject property and low ltv. | 05/14/2025 | B | 2 | XXXXXX | NV | 1 | 13 | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | 1 | |||||||
| 1643585 | XXXXXXXX | XXXXXXXX | 7145663 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXX XX months property ownership for XXXX refinances. XXXXXX XXXXX XXXXX ownership seasoning is XX month in own name. | Compensating XXXXXXXXX in file cover XXX months reserves, significant equity in subject property and low ltv. | 05/14/2025 | B | 2 | XXXXXX | NV | 1 | 13 | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | 1 | |||||||
| 1643585 | XXXXXXXX | XXXXXXXX | 7145664 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX XXXXX income documentation. XXXXXX XXXXXXXX employed borrower was a XXXX through XXXX | Compensating XXXXXXXXX in file cover XXX months reserves, significant equity in subject property and low ltv. | 05/14/2025 | B | 2 | XXXXXX | NV | 1 | 13 | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | 1 | |||||||
| 1643701 | XXXXXXXX | XXXXXXXX | 7145806 | 1055 | XXXXXX | 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 are received. | Documents provided | 06/24/2025 | A | 1 | XXXXXX | NM | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643701 | XXXXXXXX | XXXXXXXX | 7145807 | 328 | XXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXX XXXXX history for XXX months. XXXXX XXXX XXXX XXXXX XXXX on a mortgage. | Compensating factors: XXXX XXXXX is XXXXX XXXXX depth is XXX years. XXXX mortgages were paid as agreed. XXXXX residual income over XXXXXXX | 06/24/2025 | B | 2 | XXXXXX | NM | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643702 | XXXXXXXX | XXXXXXXX | 7145808 | 875 | XXXXXX | Compliance | Disclosure | Disclosure - Other: | XX consent on or before XXXX is missing | Information provided | Reviewer 06/23/2025 01:00 PM; E-consent has not been provided |
06/24/2025 | A | 1 | XXXXXX | NC | 1 | 1 | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1643702 | XXXXXXXX | XXXXXXXX | 7145809 | 1055 | XXXXXX | 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. | Documents received | 06/22/2025 | A | 1 | XXXXXX | NC | 1 | 1 | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643703 | XXXXXXXX | XXXXXXXX | 7145812 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX XXXXX XXXXX XXXXXX XXXXXXX is XXXXX | Compensating XXXXXXXXXX investors, XXXX fico score which is above the minimum requirement, low ltv and plenty of assets after close. | 06/24/2025 | B | 2 | XXXXXX | OR | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643704 | XXXXXXXX | XXXXXXXX | 7145813 | 1055 | XXXXXX | 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 provided | 06/24/2025 | A | 1 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643704 | XXXXXXXX | XXXXXXXX | 7145814 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX payment shock is over the maximum of XXXX loan is at XXXXX | Compensating factors: XXXX borrower has a XXXXX of XXXX with an excellent credit history and no derogatory credit. XXXX borrower is not a credit abuser. XXXX XXXX is XXXXX XXXX residual income is XXXXXX and all reserves after closing are at XXXXXXXX | 06/24/2025 | B | 2 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643706 | XXXXXXXX | XXXXXXXX | 7145815 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX the XXXXX loan is in an XXXXX | Received XXXX by XXX | 06/24/2025 | A | 1 | XXXXXX | OR | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643706 | XXXXXXXX | XXXXXXXX | 7145816 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXX XXXX if lease reflects higher rents than the XXXX the lease amount may be used for gross rents if XX months proof of receipt is verified. XXXXXX XXXXXXXXX rent free, no primary housing expenses, to XXXXXX for gross rents verses market rents of XXXX | Compensating XXXXXX a XXXX fico which is above the requirement of XXXXX low ltv, experienced investor, credit on file for over XXX yrs (since XXXXX and only using XXX of available credit. | 06/23/2025 | B | 2 | XXXXXX | OR | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643707 | XXXXXXXX | XXXXXXXX | 7145817 | 378 | XXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XXXXXX information on the XXXXX is incomplete for XXXXX XXXXX XXXX and/or XXXXX XXXX number needed | Received revised XXXXX with phone # | 06/26/2025 | A | 1 | XXXXXX | VT | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643709 | XXXXXXXX | XXXXXXXX | 7145819 | 998 | XXXXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | XXXX amount is XXXXXX on credit. XXX needs to be a minimum of XXXXXX (loan amount) | Received revised title | 06/30/2025 | A | 1 | XXXXXX | SC | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643710 | XXXXXXXX | XXXXXXXX | 7145820 | 437 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX is missing from this file | received XXXX | 06/25/2025 | A | 1 | XXXXXX | MI | 2 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643711 | XXXXXXXX | XXXXXXXX | 7145821 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX report shows a XXX day late on XXXX XXXXXXX XXX day late not allowed. | Credit report shows a XXX day late but mortgage transferred but auto payment did not though borrower was told it would. XXXX acknowledged problem but credit not updated. XXXXXXX made an exception to approve. XXXX credit good. XXXX mortgage and job history is good. | 06/23/2025 | B | 2 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643713 | XXXXXXXX | XXXXXXXX | 7145822 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX for XXXX unit is XXXX XXXXXX XXXXXX of XXXX on a cash-out XXXX unit. | Compensating XXXXXX fico score is above the minimum requirement of XXXXX credit history has been solid for over XXX years, no mortgage late payments within XXX years and experienced investor. | 06/25/2025 | B | 2 | XXXXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643713 | XXXXXXXX | XXXXXXXX | 7145823 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX over XXXX counting as reserves. XXXXXX XXXXXXXX to be used for reserves with XXXX XXXXX | Compensating XXXXXX fico score is above the minimum requirement of XXXXX credit history has been solid for over XXX years, no mortgage late payments within XXX years and experienced investor. | 06/25/2025 | B | 2 | XXXXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643713 | XXXXXXXX | XXXXXXXX | 7145824 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX of property less than XX months XXXXXX XXXXX XXXXX was purchased less than XX months ago | Compensating XXXXXX fico score is above the minimum requirement of XXXXX credit history has been solid for over XXX years, no mortgage late payments within XXX years and experienced investor. | 06/25/2025 | B | 2 | XXXXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1643718 | XXXXXXXX | XXXXXXXX | 7145828 | 201 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - is missing. | XXXXX provide the XXXXX XXXX | Information provided | 06/23/2025 | A | 1 | XXXXXX | NC | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643720 | XXXXXXXX | XXXXXXXX | 7145829 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX XXXXX XXXX XXXX XXXXXXX for the bridge loan was not provided in the loan file. | Received signed bridge loan XX | 06/24/2025 | A | 1 | XXXXXX | NC | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1643721 | XXXXXXXX | XXXXXXXX | 7145830 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX escrows max XXXX XXXX XXXX is above XXXX | Compensating XXXX XXXXX has owned the primary residence for XXXX years, XXXXX scores of XXXXX XXXX was paid for XXX months. | 06/20/2025 | B | 2 | XXXXXX | CA | 1 | 13 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643721 | XXXXXXXX | XXXXXXXX | 7145831 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX XXXX for XXXXXX when the majority of income is from fixed income. | Exception approval received/ XXXXX XXXX - XXXXXXX XXXX XXXXX has owned the primary residence for XXXX years, XXXXX scores of XXXXX XXXX was paid for XXX months. | 06/24/2025 | B | 2 | XXXXXX | CA | 1 | 13 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643723 | XXXXXXXX | XXXXXXXX | 7145833 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX require XXXX minimum XX years. XXX has been XXXX < XX years. | Compensating factors: XXXX abuser of credit, XXX has XXXX income and self-employed XX years, more than XXXXX post close reserves. | 06/26/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1643723 | XXXXXXXX | XXXXXXXX | 7145834 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX exception approval reflecting comp factors with post close reserves > XXXXXXX XXXXXX approval in file reflects post close reserves > XXXXXX | Exception approval received with reserves XXXXXX XXXXXXX factors: XXXX abuser of credit, XXX has XXXX income and self-employed XX years, more than XXXXX post close reserves. | 06/30/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1668586 | XXXXXXXX | XXXXXXXX | 7146225 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | * XXXXXX XXXX in XXXXX XXX XXXX - XXXXX approval to use appraisal. | Updated approval with management approval to use appraisal. | 06/30/2025 | A | 1 | XXXXXX | NM | 1 | 1 | D | A | D | A | A | A | C | A | Non-QM | 1 | |||||||
| 1668599 | XXXXXXXX | XXXXXXXX | 7146243 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX require rural properties be approved by senior management. XXXX property is a rural property, XXXXX built-up, XXXX ac. | Compensating factors: low ltv for loan program; XXXX employment history; high residual income. | 06/29/2025 | B | 2 | XXXXXX | CA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1668615 | XXXXXXXX | XXXXXXXX | 7146256 | 431 | XXXXXX | Credit | UW Assets | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing | XXXX documents from the XXXXX loan are missing. XXXXX documents. | Supplied and loan completed | 06/27/2025 | A | 1 | XXXXXX | CO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1668616 | XXXXXXXX | XXXXXXXX | 7146257 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX required. XXXXX has XXXXX XXXXXX granted. | Compensating factors: XXXXXX property investor. XXXX XXXX of XXXX well below max of XXXX | 06/26/2025 | B | 2 | XXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1668616 | XXXXXXXX | XXXXXXXX | 7146258 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX funds not permitted. XXXXX received a XXXX gift. | Compensating factors: XXXXXX property investor. XXXX XXXX of XXXX well below max of XXXX | 06/26/2025 | B | 2 | XXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1668616 | XXXXXXXX | XXXXXXXX | 7146259 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXX is short reserves. XXXXXXX re. quire XXX months reserve for loan amounts > XXXXXXXX XXXXX reserves XXXXXXXX actual reserves XXXXXXXXX XXXX XXXXXXXX | Assets in XXXXX XXXXX account XXXXXX can be used as additional reserves. | 06/27/2025 | A | 1 | XXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1668616 | XXXXXXXX | XXXXXXXX | 7146260 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX XXXX for XXXXX missing from file. XXXXX XX page of addendum provided. | Lease provided | 07/02/2025 | A | 1 | XXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1668618 | XXXXXXXX | XXXXXXXX | 7146261 | 431 | XXXXXX | Credit | UW Assets | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing | XXXXX of closed XXXXX loan to show net proceeds is missing. | Received bridge XXX with net proceeds of XXXX | 06/27/2025 | A | 1 | XXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1668619 | XXXXXXXX | XXXXXXXX | 7146262 | 431 | XXXXXX | Credit | UW Assets | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing | XXXXX used to close included a XXXXX loan. XXXXX loan closing documents are missing. XXXXX documents. | Bridge loan XXX received | 06/29/2025 | A | 1 | XXXXXX | UT | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1668620 | XXXXXXXX | XXXXXXXX | 7146263 | 861 | XXXXXX | Credit | Note | Note - Other: | XXXX XXXX of XXXXX was not found in the file. XXXX fully completed, executed and notarized document. | Information provided | 06/27/2025 | A | 1 | XXXXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1668620 | XXXXXXXX | XXXXXXXX | 7146264 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX fico score required for XXXX at XXXX XXXX XXXXXX XXXXXXXX for XXXX fico scoreon XXXX XXXX XXXXX | Compensating Factors-Owned home for over 13 yrs, excellent mortgage history and more than enough reserves after closing to cover 6 months required for the loan program. | 06/26/2025 | B | 2 | XXXXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1668623 | XXXXXXXX | XXXXXXXX | 7146272 | 904 | XXXXXX | Credit | UW Assets | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds | XXXX disclosure from XXXXX loan is required | Received and reviewed | Reviewer 06/26/2025 10:53 AM; Need to determine final proceeds amount from the XXXXX loan closing |
06/26/2025 | A | 1 | XXXXXX | NC | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1668627 | XXXXXXXX | XXXXXXXX | 7146275 | 459 | XXXXXX | Compliance | Note | Note - is missing - No Image of Note found in file | XXXX XXXXX was not found in the file. XXXX signed XXXX | Information provided | 07/01/2025 | A | 1 | XXXXXX | OR | 2 | 1 | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1668627 | XXXXXXXX | XXXXXXXX | 7146276 | 1055 | XXXXXX | 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. | Documents received | 06/30/2025 | A | 1 | XXXXXX | OR | 2 | 1 | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1668637 | XXXXXXXX | XXXXXXXX | 7146285 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XX XXXX XXXXX XXXXX XXXXX be approved by XXXX XXXXX XXXXXX | DEVIATION: XXXX XXXXX XXXXX XXXXXXX XXXXX XXXX XXXXX XXX least XXX months of reserves, XXXX credit profile dating back XXXX with several mortgage history with no lates | 06/28/2025 | B | 2 | XXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1668638 | XXXXXXXX | XXXXXXXX | 7146286 | 884 | XXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 07/01/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1668643 | XXXXXXXX | XXXXXXXX | 7146293 | 437 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX is missing from this file | Received XXXX | 06/27/2025 | A | 1 | XXXXXX | CO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1668643 | XXXXXXXX | XXXXXXXX | 7146294 | 445 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXX was signed by XXXXX XXXX XXXX true name and mailing address of the individual causing this document to be delivered for filing). XXXXXX needed as to who XXXXX is because XXXXX is not shown anywhere in any of the documents in this file. XXXXXXX conditions may apply. | Received revised XXXX with borrower's name | 06/27/2025 | A | 1 | XXXXXX | CO | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1640130 | XXXXXXXX | XXXXXXXX | 7144827 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX exceeds XXXX without income used to support XXXX income - XXXXXXX documentation required | Documentation received to support income from XXXXX XXXX XXX | Reviewer 04/23/2025 02:40 PM; ****Return to XXX when received***** |
04/24/2025 | A | 1 | XXXXXX | NJ | 2 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1641028 | XXXXXXXX | XXXXXXXX | 7144830 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXX income worksheet for last XXX months of XXXXXXXX XXXX at XXXXX ownership and XXXX XXX supporting income of XXXXXXX for business account ending XXXXX xXXXX of XXXX XXXXX XXXX | Using income on this property and it is negated by XXXX schedule. XXXXX the XXX lower since and hit for a vacancy factor on the XXXX schedule. XXXX rents make the total income negative- see guidelines on XXXX income method used XXXXX XXX XXXXX is a full-time landlord). | Client 04/28/2025 03:17 PM; Unclear why the prudent spread has to reflect this as we are using income on this property and it is negated by XXXX schedule. XXX took the XXX lower since we had to hit for a vacancy factor on the XXXX schedule. XXXX rents make the total income negative- see guidelines on XXXX income method used XXXXX XXX XXXXX is a full-time landlord). XXXX you. Reviewer 04/29/2025 01:42 PM; Condition has been reviewed. XXX |
04/29/2025 | A | 1 | XXXXXX | NV | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1643392 | XXXXXXXX | XXXXXXXX | 7147146 | 7 | XXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | XXXX XXXXXX is missing. XXXXXX provided is dated XXXXX | Initial application provided | Reviewer 05/02/2025 11:35 AM; Please provide the initial application for proof of initial application date. Reviewer 05/09/2025 10:06 AM; Initial application has not been provided. Client 05/09/2025 07:27 PM; Legal looking for confirmation regarding file grade/rating. XXXX you. Reviewer 05/12/2025 04:28 AM; Reviewer 05/12/2025 01:25 PM; Hello
 XXXXX currently grades as a XXXX as is.
 
 XXXX Client 05/16/2025 10:09 AM; While XXXXX XXXXX is an industry-standard document, it is not legally required under XXXXX or any federal regulation as a condition for compliance. XXXXX requires that a creditor provide a XXX within three business days of receiving six key pieces of information from the consumer. XXX this case, all six items were received on XXXX XXXX XXXXX XXX XXXX as those six items are received, regardless of the format used, the application is considered complete under XXXX Reviewer 05/16/2025 10:43 AM; Reviewer 05/16/2025 11:50 AM; Hello
 XXXXX provide evidence of application date, this is needed for trid testing purposes.
 
 XXXX Reviewer 05/19/2025 08:37 AM; Initial application is still missing Client 05/19/2025 01:22 PM; Hi, documentation provided. XXXXX includes all necessary items to fulfill the XXXXX requirements. XXXX Reviewer 05/19/2025 02:59 PM; Reviewer 05/20/2025 04:31 PM; Hello
 XXXXX has been cleared.
 
 XXXX |
05/20/2025 | A | 1 | XXXXXX | MA | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1643429 | XXXXXXXX | XXXXXXXX | 7145460 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX XXXXXX of XXXX is missing from the XXXXX XXXXXX XXXXX XXXX XXXX is required XXXXXXXXXXXX | Property hazard in file shows XXX months business income coverage XXXXXXXXXXXX | Client 06/02/2025 10:43 AM; Property hazard in file shows XXX months business income coverage. XXXX you. Reviewer 06/02/2025 11:59 AM; Condition has been reviewed. XXX |
06/02/2025 | A | 1 | XXXXXX | TX | 3 | 13 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1643517 | XXXXXXXX | XXXXXXXX | 7145566 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXX XXXXXX on the XXX XXXXXXX form. XXXX XXXXXX was approved for the loan amount of XXXXXXXX and the current loan amount is now XXXXXXXX | Exception for loan size of XXXXXXXX XXXXXXX XXXXX XXXXX collateral, XXXXX XXXX time, XXXXX XXXXX XXXXX paid last XX months. | Client 05/21/2025 04:39 PM; Hi, XXX submission form is not a final form in any way. XXXXX refer to the exception on the XXXX loan approval and summary form. XXXX Reviewer 05/22/2025 04:59 AM; Condition has been reviewed. XXX |
05/22/2025 | B | 2 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | ||||||
| 1643528 | XXXXXXXX | XXXXXXXX | 7145686 | 327 | XXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Rental | XXXX XXX months of cancelled rent checks. XXXX XXXXXXX of rent is with a private individual, which requires XXX months proof of payment with cancelled checks or XXXX statements. | Provided XX months XXX statements showing XXXXX being paid to XXXX XXXXX XXXXX XXX discretion the statements and the XXXX was acceptable. | Client 05/28/2025 02:01 PM; With regards to rent we have XX months XXX statements showing XXXXX being paid to XXXX XXXXX XXXXX XXX believed that those with the XXXX was acceptable. Reviewer 05/28/2025 04:14 PM; Condition has been reviewed. XXX |
05/28/2025 | A | 1 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643534 | XXXXXXXX | XXXXXXXX | 7145580 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXX on XXXX rental income of XXXXXXX if rental income was already used and total gross lease amount of XXXXXXXXX XXX this a percentage of the business XXXX account income on spread-sheet. XXX explanation was provided. XXXXXX missing XX months and not consecutive. | The income that was used is the lessor of the gross rents from XXXX schedule and gross rents in the XXXX statements. XXXX lower was the stated gross rents on XXXX schedule. XX factor of XXXXX vacancy due to the history of the XXXX term commercial tenants supported by lease agreements then the XXXX was backed out to arrive at XXXXXXXX total income | Client 05/28/2025 10:10 AM; The income we should be using is the lessor of the gross rents from XXXX schedule and gross rents in the XXXX statements. XXXX lower was the stated gross rents on XXXX schedule. XXX applied a factor of XXXXX vacancy due to the history of the XXXX term commercial tenants supported by lease agreements. XXXXX we backed out the XXXX to arrive at XXXXXXXX total income. XXXX income on this deal should be XXXXXXXX for XXXX of XXXXXX 
 XXXXXX Reviewer 05/28/2025 11:36 AM; Condition has been reviewed. XXX |
05/28/2025 | A | 1 | XXXXXX | OR | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | ||||||
| 1643536 | XXXXXXXX | XXXXXXXX | 7145692 | 445 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXX letter to verify percentage of ownership of business. XXXX XXXXX to state there is a relationship between the borrower & the XXXX and how XXXX the borrower has been self-employed | CPA verification not used. XXXXX of XXXXXXXX and online search provided. | Client 06/12/2025 12:23 PM; CPA verification not used. XXXXX of XXXXXXXX and online search provided. XXXX you. Reviewer 06/12/2025 12:48 PM; Condition has been reviewed. XXX |
06/12/2025 | A | 1 | XXXXXX | HI | 3 | 1 | D | B | D | B | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1643569 | XXXXXXXX | XXXXXXXX | 7145629 | 336 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX for XXX within XXX days of closing missing from file. | Received XXX day XXXX | Reviewer 06/09/2025 09:17 AM; Document received is not legible |
06/09/2025 | A | 1 | XXXXXX | MN | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1668586 | XXXXXXXX | XXXXXXXX | 7146224 | 445 | XXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXX for XXX is not dated | When XXXX is missing date, XXXXX uses file start date. XXXXX start date XXXXX | Client 06/30/2025 12:34 PM; When XXXX is missing date, we use file start date. XXXXX start date XXXXXX XXXX you. Reviewer 06/30/2025 12:59 PM; Condition has been reviewed. XXX |
06/30/2025 | A | 1 | XXXXXX | NM | 1 | 1 | D | A | D | A | A | A | C | A | Non-QM | 1 | ||||||
| 1668638 | XXXXXXXX | XXXXXXXX | 7146287 | 970 | XXXXXX | Compliance | Compliance | Compliance - CD- Missing | XXXX XXX is missing only the XXXX XXX is provided | Information provided | Reviewer 07/01/2025 01:17 PM; CD provided is for bridge loan. XXXXX XXXX for purchase for XXXX XX XXXXX XXXXX XXX |
07/01/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||
| 1642002 | XXXXXXXX | XXXXXXXX | 7144820 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXX evidence of departing XXXX of XXXXX monthly required | received XXXX for departing residence | 03/20/2025 | A | 1 | XXXXXX | CO | 1 | 1 | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1643397 | XXXXXXXX | XXXXXXXX | 7145401 | 72 | XXXXXX | Compliance | Closing Package | Closing Package - | XXXXX marked citizenship as XXXXXXXX XXXXX XXXXXXX provide source to verify information. | Client 04/07/2025 02:46 PM; ITIN XXXXXXXX provided. XXXXX clear or escalate further. XXXX you. Reviewer 04/07/2025 02:55 PM; Reviewer 04/08/2025 01:36 PM; Hello
 XXXXX has been cleared.
 
 XXXX |
04/08/2025 | A | 1 | XXXXXX | IL | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1643415 | XXXXXXXX | XXXXXXXX | 7147153 | 898 | XXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXXX fee in XXXX XX of the XXXXX initial XXXXX XXXX is a XXXX for this date but it does not give a valid explanation for this fee increase. XXXXXX amount is XXXXX XXXXX a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation. | Information provided | Client 05/19/2025 04:58 PM; The borrower was quoted XXXXX for appraisal related fees and the final XXX appraisal related fees are XXXX XXXX borrower was not charged more, and no new fees were added in section XXX this should not be considered a XXXXX XXX tolerance violation. XXXX XXX XXXX § XXXXXXXXXXX fees subject to XXX tolerance (such as appraisal and other XXXX XX fees the borrower cannot shop for) cannot increase unless a valid changed circumstance occurs. XXXXX in Reviewer 05/19/2025 06:13 PM; Reviewer 05/20/2025 04:34 PM; Hello
 XXXX initial XXX disclosed an appraisal fee of XXXXX the XXX disclosed XXXX XXXX not a lump total of appraisal fees, its individual fee comparison. XXXXX is required.
 
 XXXX |
05/29/2025 | A | 1 | XXXXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1643498 | XXXXXXXX | XXXXXXXX | 7145544 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXX from bridge loan for XXXX XXXX XXXXX XXX netting XXXXX minimum XXXXXXX XXXXXXX file to auditor***** | Information provided | Reviewer 06/04/2025 09:58 AM; Document received and file returned to XXXXX XXXX for review |
06/04/2025 | A | 1 | XXXXXX | ME | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1643499 | XXXXXXXX | XXXXXXXX | 7145547 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX borrowers have less than XXXXXX in post closing assets for the asset depletion income calculation. XXXXXX requires XXXXXXXX borrower has XXXXXXXX | As XXXX as the XXX income is not over XXXX of the total income, it can be used to qualify as XXXX there is over XXXXX in post-closing. XXXXX of the income is XXXX statement income, the XXX is just a supplement | Client 05/22/2025 06:47 PM; As XXXX as the XXX income is not over XXXX of the total income, we can qualify with XXX if we have over XXXXX in post-closing.
 - XXXXX has over XXXX XXXX - XXXXX of the income is XXXX statement income, the XXX is just a supplement.
 
 XX will upload a snapshot from the guidelines showing this info. Reviewer 05/23/2025 07:50 AM; Condition has been reviewed. XXX |
05/23/2025 | A | 1 | XXXXXX | CA | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | ||||||
| 1643540 | XXXXXXXX | XXXXXXXX | 7145593 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX guidelines, all condotels require XXXXX XXXXXXX XXXXXXX XXXX documentation of XXXXX XXXXXXX XXXXXX | Received XXX mmt approval for XXXX | Reviewer 06/04/2025 11:49 AM; Received the XXXX XXXX not receive XXX XXXXX approval for XXXXXX |
06/05/2025 | A | 1 | XXXXXX | GA | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1643547 | XXXXXXXX | XXXXXXXX | 7145699 | 378 | XXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XXXXX provide a XXXXX with corrected XXXX schedule. XXXX properties are listed under borrower when they actually belong to the coborrower. | The schedule of XXXX is done correctly with the negative rental income on the fathers side | Reviewer 06/02/2025 09:54 PM; BX- XXXX does not own the properties listed in the XXXX of his XXXXX XXXX updated XXXXX for XXXX and for XXXXX XXXXX with correct XXXX properties listed. Client 06/03/2025 03:32 PM; The schedule of XXXX is done correctly with the negative rental income on the fathers side. XXXXX clarify why this additional documentation is necessary. XXXX you. Reviewer 06/03/2025 06:12 PM; Condition has been reviewed. XXX |
06/03/2025 | A | 1 | XXXXXX | NV | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1643569 | XXXXXXXX | XXXXXXXX | 7145627 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX of self employment needed is XX years at current business, lender approved borrower in business for less than XX years. | value and condition of subject property, reserves XXX months, XXXXX XXX months on previous primary residence mortgage and previous self employment history. | Reviewer 06/05/2025 02:11 PM; |
06/05/2025 | B | 2 | XXXXXX | MN | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643575 | XXXXXXXX | XXXXXXXX | 7145636 | 205 | XXXXXX | Credit | Hazard Insurance | Hazard Insurance - property address is incorrect. | XXXXX provide updated XXXXX XXXXX that reflects the correct property address per legal description. XXXXXX XXX XXXX XXXX XXXXX XXX XXXXX | Information provided | Reviewer 06/23/2025 01:58 PM; Zip code look up will not clear deficiency. XXXX must match XXXX description |
06/24/2025 | A | 1 | XXXXXX | OR | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1643716 | XXXXXXXX | XXXXXXXX | 7145825 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXX of assets used to close are in the name of XXXX XXXXXX XXXX is not on loan and no asset use letter is in file nor we know the relationship of her to XXXXXXX | XXXX is XXXXX mother, who is on the XXX and title for the property (approved at XXXX | Client 06/20/2025 03:17 PM; XXXX is XXXXX mother, who is on the XXX and title for the property (approved at XXXXX XXXX you. Reviewer 06/20/2025 03:55 PM; Condition has been reviewed XXX |
06/20/2025 | A | 1 | XXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1643399 | XXXXXXXX | XXXXXXXX | 7145404 | 387 | XXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXX satisfactory XXXXX estate taxes for XXXX at XXXX XXX XXXX street for XXXX monthly | The address of XXXX XXX XXXX XXXXX is the XXXXXXXXX home that sits on the subject property. XXXX is not a separate parcel # for this property and taxes are charged on the parcel for the address of our subject property XXXX XXX XXXX XXXXX | Reviewer 04/15/2025 11:51 AM; Documents received did not include the XXX taxes for XXXX XXX XXXX XXXX Client 04/23/2025 04:57 PM; The address of XXXX XXX XXXX XXXXX is the XXXXXXXXX home that sits on the subject property. XXXX is not a separate parcel # for this property and taxes are charged on the parcel for the address of our subject property XXXX XXX XXXX XXXXX XXXXXX there are no taxes on that property as they are encompassed into the taxes of our subject. XXXXX high and showed taxes on that property and factored them into the XXXX even though there are no separa Reviewer 04/24/2025 05:03 AM; Condition has been reviewed. XXX |
04/24/2025 | A | 1 | XXXXXX | WA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1643491 | XXXXXXXX | XXXXXXXX | 7145659 | 320 | XXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX score to use cash out funds for reserves is XXXX XXXXXX score is XXXX and XXXXXXX is XXX | Information provided. XXXXXX have owned home for XXXXX years and both borrowers have good job stability XXXXX years and XXXX years) XXXXX depth of XXXXX years | Reviewer 05/19/2025 08:55 AM; XXXX XXX XXXXXXX has approved exception |
05/22/2025 | B | 2 | XXXXXX | OR | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643559 | XXXXXXXX | XXXXXXXX | 7145619 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX an updated final approval correcting the purpose of the loan to a cash out refinance. | Loan approval reflects business cash out refinance. | Reviewer 06/24/2025 08:28 PM; The document provided did not have the purpose of loan completed Client 06/25/2025 10:57 AM; Uploaded XXXXX approval reflects business cash out refinance. XXXX you. Reviewer 06/25/2025 02:18 PM; Condition has been reviewed. XXX |
06/25/2025 | A | 1 | XXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1668627 | XXXXXXXX | XXXXXXXX | 7146277 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX approval needs to be corrected to show the correct appraisal value of XXXXXXXXX it currently shows XXXXXXXXX | Revised XXXXX XXXXX provided | Reviewer 07/01/2025 02:47 PM; The document received reflected the appraised value of XXXXXX and the appraisal reflects value of XXXXXXX |
07/02/2025 | A | 1 | XXXXXX | OR | 2 | 1 | D | A | C | A | D | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1643466 | XXXXXXXX | XXXXXXXX | 7145506 | 423 | XXXXXX | Credit | UW Collateral | UW Collateral - UW - Appraisal Correction/Clarification | XXXXXX from XXXXX XXXXXXX as to why the XXXXXXX do not reflect the following sale XXXXX XXXX XXXXX XXXXX XXXXX XXXX purchased the subject from XXXXX XXXX XXXXX and XXXXX XXXX XXXXXXXX on XXXXXX for XXXXXXXX XXXXXXX state no sales in the last XX years. | As indicated on XXXXX XX of the appraisals, XXXX XXXXX is a non sales disclosure state. XXXXX verify sales XXXXX. | Client 05/22/2025 01:03 PM; As indicated on XXXXX XX of the appraisals, XXXX XXXXX is a non sales disclosure state. XXXXX verify sales XXXXX. XXXX you. Reviewer 05/22/2025 03:11 PM; Condition has been reviewed. XXX |
05/22/2025 | A | 1 | XXXXXX | NM | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643497 | XXXXXXXX | XXXXXXXX | 7145667 | 272 | XXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX clarification on the neighborhood as a rural community or urban, final approval lists management approval for rural property; however, appraisal lists as urban. | Appraisal is correct. XXXXX approval provided corrected the rural box to confirm property is not rural. XXXXX change pricing at this point, so those notes left as is. | Reviewer 05/29/2025 09:49 AM; Property location appears to be rural and approval reflects pricing for rural location. XXXX appraisal that reflects property as rural. Reviewer 05/29/2025 10:17 AM; Approval received did not include the appraisal with property location as XXXXX Client 05/30/2025 10:46 AM; Appraisal is correct. XXXXX approval provided corrected the rural box to confirm property is not rural. XXXXX change pricing at this point, so those notes left as is. XXXX you. Reviewer 05/30/2025 12:43 PM; Condition has been reviewed. XXX |
05/30/2025 | A | 1 | XXXXXX | NM | 1 | 1 | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1643528 | XXXXXXXX | XXXXXXXX | 7145687 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX loan payments were not included in the XXXXX to XXXXX XXXX and do not state deferred on the credit report. XXXX loan obligations must be included in the debt-to-income ratio calculation except when the loans state deferred on the credit report. XXX no payment is shown on the credit report, then the payment should be provided by the student loan lender. XXX a payment is unable to be determined, XXXX of the current balance may be used. | Student loans a XXXX provided states the student loans are deferred until XXXX | Client 05/28/2025 02:02 PM; With regards to the XXXX loans there is a letter in the credit section stating that the student loans are deferred until XXXX Reviewer 05/28/2025 04:14 PM; Condition has been reviewed. XXX |
05/28/2025 | A | 1 | XXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643543 | XXXXXXXX | XXXXXXXX | 7145695 | 851 | XXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX submitted with XXXXXXX as income. XXXXX started their new position on XXXXXX XXXXX from employer does not support that figure. XXX supports XXXXXXXXX XXXX XXXX the XXX analysis the XXX used a XXXX to determine the income but the XXXX average per the XXXX is XXXXXXXX | The XXXXX “thru” date. XXXXX says it is through XXXXXX – this is due to the difference between the period end date vs the pay date. XXXX confusion is that pay dates are XXX days after the pay period. XXXX XXXXX figure is really therefore only through XXXXXXX which makes sense when you review the paystubs. XXXX paystub for XXXXXXX shows XXXX earnings of XXXXXXXXX XXX have another paystub for XXXXXX showing earnings of XXXXXXXX XXX looks different because borrower had to pull it before the actual pay date (but after the period ended, so the figures are accurate, just that borrower didn’t receive the payment yet). XXXXXXX the XXXX earnings per the paystubs through XXXX are XXXXXXX XXXXX figure matches the XXXXX exactly. XXXX XXXXX stated borrower’s start date was XXXXXXX so XXXXXX is approximately XXXXX months. XXX took out XXXX from the XXXX which was for training. XXXXX over XXXXX months is XXXXXXXXX XXXXX a XXXX expense factor (since borrower is XXX now, but has minimal expenses), the net income is $ XXXXXXX | Client 05/27/2025 02:49 PM; The confusion is the XXXXX “thru” date. XXXXX says it is through XXXXXX – this is due to the difference between the period end date vs the pay date. XXXX confusion is that pay dates are XXX days after the pay period. XXXX XXXXX figure is really therefore only through XXXXXXX which makes sense when you review the paystubs. XXXX paystub for XXXXXXX shows XXXX earnings of XXXXXXXXX XXX have another paystub for XXXXXX showing earnings of XXXXXX Reviewer 05/29/2025 07:06 AM; Condition has been reviewed. XXX |
05/29/2025 | A | 1 | XXXXXX | IL | 2 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1643707 | XXXXXXXX | XXXXXXXX | 7145818 | 330 | XXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXX reflects the XXXXX XXXX as XXXXXX when the correct XXXXX XXXX XXXXX is XXXXX XXXX XXXXXX - XXXX XXXXX XXXXXXXXXXXX XXXXXX needed and additional conditions may apply | The borrower had to make one payment on a debt to get it to below XXX payments or less to exclude it from the XXXX XXXX amount was XXXX which is the difference between the two and reflected on the XXXXX XXXXX added to the XXXXX XXXXX addressing this. | Client 06/26/2025 12:23 PM; The borrower had to make one payment on a debt to get it to below XXX payments or less to exclude it from the dti. XXXX amount was XXXX which is the difference between the two and reflected on the XXXXX XXXXX added to the XXXXX XXXXX addressing this. XXXX you. Reviewer 06/26/2025 12:49 PM; Condition has been reviewed. XXX |
06/26/2025 | A | 1 | XXXXXX | VT | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1425384 | XXXX | XXXX | 6924588 | 967 | XXXXXX | Credit | Compliance | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) | The final XX XXXXX and XXXXXX dates are incorrect and do not align with the actaul closing date and disbursement date. | Information provided | Reviewer 09/09/2022 10:33 AM; No documentation provided Reviewer 11/22/2022 09:57 AM; CD issued XX/XX/XXXX was already in the file and reviewed. XXX closing date in section F-XX is incorrect. XXXXX date was XX/XX/XXXX Client 12/06/2022 05:07 PM; The loan closing date in section F-XX is correct. XXXXX were originally disbursed on XX/XX/XX. XXXXX was a partial redraw, due to an error on the XXXX, and included was a new deed signed by the borrower on XX/XX/XX. Reviewer 12/07/2022 07:33 AM; Reviewer 12/07/2022 09:53 AM; Hello, XXXX provide all original closing docs for review including the XXXX and XXX. XXX XXXX and XXX are dated X/XX and signed X/XX which is after the X/X funding date listed in section F on the XX. XXXX also upload a letter of explanation to the file detailing the situation. XXXXXX conditions may apply upon receipt and review of all of the original closing documentation and the explanation. XXXXX you Reviewer 12/09/2022 12:48 PM; Please provide all original closing docs for review including the XXXX and XXX. XXX XXXX and XXX are dated X/XX and signed X/XX which is after the X/X funding date listed in section F on the XX. XXXX also upload a letter of explanation to the file detailing the situation. XXXXXX conditions may apply upon receipt and review of all of the original closing documentation and the explanation. |
12/13/2022 | A | 1 | XXXXXX | FL | 1 | 13 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1643702 | XXXXXXXX | XXXXXXXX | 7145810 | 378 | XXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | XXXX XXXXX to be corrected XXXX all XXXX XXXXXX and to include XXXXX XXXX XXXX XXXXXX information for length of employment; XXXX XXXX that is a XXXXX XXXXX is showing as XXXXX and XXXXXXX XX needs to be completed and answered yes for ownership in another property. | Received revised XXXX | Client 06/23/2025 06:29 PM; Updated XXXXX provided. XXXXXXX were filled out by the borrower at the beginning of the process based on what they interpreted to be the best way to answer the question. XXXX you. Reviewer 06/24/2025 04:07 AM; Condition has been reviewed. XXX |
06/23/2025 | A | 1 | XXXXXX | NC | 1 | 1 | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | 1 |