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SitusAMC Customer Seller Investor Loan Exception Exception Exception Exception Exception 15E Category Exception Exception Detail Exception Compensating Compensating Applying Follow- Cleared Cured Waived Exception DBRS DBRS Final Fitch Fitch Kroll Kroll Moody's Moody's S&P S&P Final Note Property Occupancy Purpose Exception Overall Overall Credit Credit Compliance Compliance Property Property Originator TPR QM Is
Loan ID Loan ID Loan ID Loan Exception ID Date Type Category Subcategory Information Factors Factor Party up Comments Date Date Date Level Initial Exception Initial Final Initial Final Initial Final Initial Exception Date State Remediation Initial Final Initial Final Initial Final Loan Initial Final QM ATR ATR Curable
Number ID Information Grade Exception Rating Exception Exception Exception Exception Exception Exception Exception Rating Loan Loan Loan Loan Loan Grade Grade Loan Loan Status Status
Rating Rating Rating Rating Rating Rating Rating Rating Grade Grade Grade Grade Grade Grade
[Redacted] [Redacted] [Redacted] 1125 33811129 Compliance Compliance Federal TILA Right- TILA Notice of Right to Cancel Expiration Date Truth in Lending Act: Actual Date(s) on Notice of Right Reviewer Comment (2025-07-07): RTC Document date 07/07/2025 1 C A C A C A C A C A WA Primary Refinance - TILA ROR - C A A A C A A A Higher Higher Yes
Compliance to-Cancel Prior or equal to Disbursement Date to Cancel occurs prior to expected date(s). updated. Cash-out - Provide the Priced QM Priced
Missing, Other following: (APOR) QM
Incorrect, Letter of (APOR)
Incomplete Seller Comment (2025-07-02): INVALID this is okay. Explanation,
and/or Transaction date [redacted] disbursement date Proof of
provided on [redacted] Delivery, and
the wrong Re-open
form Rescission
using the
correct model
form
[Redacted] [Redacted] [Redacted] 1125 33811162 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-01): Client acknowledges 07/01/2025 3 A A A A A A A A A A WA Primary Refinance - C A A A C A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1126 33812448 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-01): Client acknowledges 07/01/2025 3 A A A A A A A A A A OR Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1126 33812456 Credit Income / Income Missing REO Documents are missing. - Reviewer Comment (2025-07-07): Exception cleared. 07/07/2025 1 C A C A C A C A C A OR Primary Refinance - C A C A A A A A Higher Higher No
Employment Documentation Document Maintenance statement and warranty deed provided. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
Seller Comment (2025-07-02): INVALID NA- [redacted]
Vacations special warranty deed provided for REO
showing breakdown of Tax verification, see page
[redacted] of upload.
[Redacted] [Redacted] [Redacted] 1127 33812371 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-02): Client acknowledges 07/02/2025 3 A A A A A A A A A A NC Investment Refinance - C A C A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1127 33812464 Credit Credit AUS Guideline Guideline Requirement: Investor qualifying total Calculated Reviewer Comment (2025-07-10): HOA payment has been 07/10/2025 1 C A C A C A C A C A NC Investment Refinance - C A C A A A A A N/A N/A No
Discrepancy / debt ratio discrepancy. investor updated and DTI is now within guidelines. Exception Cash-out -
Guidelines qualifying is clear. Other
Discrepancy total debt
ratio of
[redacted]% Seller Comment (2025-07-10): INVALID Approval
exceeds states total debt ratio [redacted]%
Guideline
total debt
ratio of Reviewer Comment (2025-07-07): Exception Remains -
[redacted]%. The total income is $[redacted] and total expenses
$ [redacted] DTI is [redacted]%
Seller Comment (2025-07-03): Disagree, please
provide a breakdown
[Redacted] [Redacted] [Redacted] 1128 33812489 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-03): "Client acknowledges 07/03/2025 3 A A A A A A A A A A SC Primary Refinance - C A C A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1128 33812500 Credit Income / Income Income / Income Docs Missing: - Award letter Reviewer Comment (2025-07-07): Award letter 07/07/2025 1 C A C A C A C A C A SC Primary Refinance - C A C A C A A A Safe Harbor Safe No
Employment Documentation Employment is missing in provided to verify the SSI. Cash-out - QM (APOR) Harbor
file to verify Other QM
the Social (APOR)
Security Seller Comment (2025-07-07): Attached
Income.
[Redacted] [Redacted] [Redacted] 1128 33812507 Credit Income / Income Income / Income documentation requirements not met. Award Letter Reviewer Comment (2025-07-07): Award letter 07/07/2025 1 C A C A C A C A C A SC Primary Refinance - C A C A C A A A Safe Harbor Safe No
Employment Documentation Employment is missing for provided to verify the SSI. Cash-out - QM (APOR) Harbor
the Social Other QM
Security (APOR)
Income. Seller Comment (2025-07-07): award letter uploaded
[Redacted] [Redacted] [Redacted] 1128 33812509 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Failure is due Reviewer Comment (2025-07-07): Award letter 07/07/2025 1 B A C A B A C A B A SC Primary Refinance - Lender to C A C A C A A A Safe Harbor Safe Yes
Compliance Designation of Safe Harbor QM (APOR) does not match Due to Award provided to verify the SSI. Cash-out - provide QM (APOR) Harbor
Diligence Loan Designation of QM (APOR) Risk. letter missing Other updated ATR/QM QM
in file to status (APOR)
verify the Seller Comment (2025-07-07): award letter uploaded
Social
Security
Income.
[Redacted] [Redacted] [Redacted] 1128 33812510 Compliance Compliance Federal ATR/QM Defect General QM Provision Investor Guidelines General QM: Based on the loan failing one or more Award letter Reviewer Comment (2025-07-07): Award letter 07/07/2025 1 C A C A C A C A C A SC Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance Violation guideline components, the loan is at QM risk. is missing in provided to verify the SSI. Cash-out - QM (APOR) Harbor
file to verify Other QM
the Social (APOR)
Security Seller Comment (2025-07-07): award letter uploaded
Income for the
borrower.
[Redacted] [Redacted] [Redacted] 1128 33812511 Compliance Compliance Federal ATR/QM Defect Income/Asset Guideline Deficiency - QM Impact General QM: There are guideline deficiencies related to Award letter Reviewer Comment (2025-07-07): Award letter 07/07/2025 1 C A C A C A C A C A SC Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance income and/or asset doc requirements which could result is missing in provided to verify the SSI. Cash-out - QM (APOR) Harbor
in a risk to the borrower's ability to repay. file to verify Other QM
(Exception is eligible to be regraded with compensating the Social (APOR)
factors.) Security Seller Comment (2025-07-07): award letter uploaded
Income for the
borrower.
[Redacted] [Redacted] [Redacted] 1129 33812186 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-03): "Client acknowledges 07/03/2025 3 A A A A A A A A A A VT Second Refinance - C A A A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Home Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1129 33814142 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Waterfall Reviewer Comment (2025-07-09): Income has been 07/09/2025 1 B A C A B A C A B A VT Second Refinance - Lender to C A A A C A A A Safe Harbor Safe Yes
Compliance Designation of Safe Harbor QM (APOR) does not match Due exception due sufficiently verified. Exception is clear. Home Cash-out - provide QM (APOR) Harbor
Diligence Loan Designation of QM (APOR) Fail. to borrower is Other updated ATR/QM QM
self employed status (APOR)
and file does Seller Comment (2025-07-08): INVALID- [redacted]
not have returns were provided. extension is in the file for
recent year [redacted].
tax return and
audited P&L
statement.
[Redacted] [Redacted] [Redacted] 1129 33814143 Compliance Compliance Federal ATR/QM Defect General QM Provision Employment - K-1 Less Than General QM: Unable to verify current K-1 (Less than Waterfall Reviewer Comment (2025-07-09): Income has been 07/09/2025 1 C A C A C A C A C A VT Second Refinance - C A A A C A A A Safe Harbor Safe No
Compliance 25 Percent [redacted]% Ownership) status using reasonably reliable exception due sufficiently verified. Exception is clear. Home Cash-out - QM (APOR) Harbor
third-party records. to borrower is Other QM
self employed (APOR)
and file does Seller Comment (2025-07-08): INVALID- [redacted]
not have returns were provided. extension is in the file for
recent year [redacted].
tax return and
audited P&L
statement.
[Redacted] [Redacted] [Redacted] 1129 33814144 Compliance Compliance Federal ATR/QM Defect General QM Provision Income and Assets - K-1 Less General QM: Unable to verify K-1 (Less than [redacted]% Waterfall Reviewer Comment (2025-07-09): Income has been 07/09/2025 1 C A C A C A C A C A VT Second Refinance - C A A A C A A A Safe Harbor Safe No
Compliance Than 25 Percent Ownership) income using reasonably reliable third-party exception due sufficiently verified. Exception is clear. Home Cash-out - QM (APOR) Harbor
records. to borrower is Other QM
self employed (APOR)
and file does Seller Comment (2025-07-08): INVALID- [redacted]
not have returns were provided. extension is in the file for
recent year [redacted].
tax return and
audited P&L
statement.
[Redacted] [Redacted] [Redacted] 1130 33805815 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-06-30): Client acknowledges 06/30/2025 3 A A A A A A A A A A WA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1130 33805838 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-07): Exception cleared. 07/07/2025 1 C A C A C A C A C A WA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document missing Received Approval document and updated correctly. Cash-out - QM (APOR) Harbor
Other QM
(APOR)
Seller Comment (2025-07-02): Underwriting approval
[Redacted] [Redacted] [Redacted] 1131 33811797 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-03): "Client acknowledges 07/03/2025 3 A A A A A A A A A A CA Primary Refinance - C A C A C A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading." Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1131 33812113 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - ATR Risk Ability to Repay (Dodd-Frank 2014): Originator Loan DTI exceeds Reviewer Comment (2025-07-09): Exclusion 07/09/2025 1 B A C A B A C A B A CA Primary Refinance - Lender to C A C A C A A A Non QM Non QM Yes
Compliance Designation of Non QM does not match Due Diligence Loan the allowable documentation provided. Exception is clear. Cash-out - provide
Designation of ATR Risk. limit of Other updated ATR/QM
[redacted]%. Loan
Seller Comment (2025-07-09): [redacted] Bank Designation
Statements in file show [redacted] Payments being
made to [redacted]
Reviewer Comment (2025-07-08): The auto payment to
[redacted] in the amount of $[redacted]/month is
not being included in the DTI per the approval
however supporting documentation for the exclusion
was not provided. There is an LOX in the file from
the borrower that mentions the payment being
deferred however it is still required to be
included in the DTI. Please provide additional
information regarding this account.
Seller Comment (2025-07-07): Correct approval
uploaded
[Redacted] [Redacted] [Redacted] 1131 33812120 Credit Credit AUS Guideline Guideline Requirement: Investor qualifying total DTI exceeds Reviewer Comment (2025-07-09): Exclusion 07/09/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A C A A A Non QM Non QM No
Discrepancy / debt ratio discrepancy. the allowable documentation provided. Exception is clear. Cash-out -
Guidelines limit of Other
Discrepancy [redacted]%.
Seller Comment (2025-07-09): [redacted] Bank
Statements in file show [redacted] Payments being
made to [redacted]
Reviewer Comment (2025-07-08): The auto payment to
[redacted] in the amount of $[redacted]/month is
not being included in the DTI per the approval
however supporting documentation for the exclusion
was not provided. There is an LOX in the file from
the borrower that mentions the payment being
deferred however it is still required to be
included in the DTI. Please provide additional
information regarding this account.
Seller Comment (2025-07-07): Correct approval
uploaded
[Redacted] [Redacted] [Redacted] 1131 33812142 Compliance Compliance Federal ATR/QM Defect General Ability To Repay Provision Investor Ability to Repay (Dodd-Frank 2014): Based on the loan DTI exceeds Reviewer Comment (2025-07-09): Exclusion 07/09/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A C A A A Non QM Non QM No
Compliance Guidelines failing one or more guideline components, the loan is at the allowable documentation provided. Exception is clear. Cash-out -
ATR risk. limit of Other
[redacted]%.
Seller Comment (2025-07-09): [redacted] Bank
Statements in file show [redacted] Payments being
made to [redacted]
Reviewer Comment (2025-07-08): The auto payment to
[redacted] in the amount of $[redacted]/month is
not being included in the DTI per the approval
however supporting documentation for the exclusion
was not provided. There is an LOX in the file from
the borrower that mentions the payment being
deferred however it is still required to be
included in the DTI. Please provide additional
information regarding this account.
Seller Comment (2025-07-07): Correct approval
uploaded
[Redacted] [Redacted] [Redacted] 1131 33828573 Compliance Compliance Federal ATR/QM Defect General ATR Provision Investor and Non QM DTIs Ability to Repay (Dodd-Frank 2014): The DTI calculated Calculated DTI Reviewer Comment (2025-07-09): Exclusion 07/09/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A C A A A Non QM Non QM No
Compliance match and both significantly exceed Guidelines in accordance with the Lenders Guidelines and of [redacted]% documentation provided. Exception is clear. Cash-out -
1026.43(c)(5) of [redacted]% significantly exceeds the matches Lender Other
guideline maximum of [redacted]%. (DTI Exception Approved DTI
requires compelling compensating factors to consider but is higher Seller Comment (2025-07-09): [redacted] Bank
regrading to EV2-B.) than the Statements in file show [redacted] Payments being
Guidelines made to [redacted]
maximum of
[redacted]%
with FICO Reviewer Comment (2025-07-08): The auto payment to
score of less [redacted] in the amount of $[redacted]/month is
than not being included in the DTI per the approval
[redacted]. however supporting documentation for the exclusion
was not provided. There is an LOX in the file from
the borrower that mentions the payment being
deferred however it is still required to be
included in the DTI. Please provide additional
information regarding this account.
Seller Comment (2025-07-07): Correct approval
uploaded
[Redacted] [Redacted] [Redacted] 1132 33810999 Compliance Compliance Federal TILA Right- TILA Rescission - Disbursement Date Less than 3 Truth in Lending Act: Subject loan transaction Reviewer Comment (2025-07-07): Updated the latest 07/07/2025 1 C A C A C A C A C A CA Primary Refinance - TILA ROR - C A A A C A A A Non QM Non QM Yes
Compliance to-Cancel Business Days From Transaction Date disbursed on [redacted], prior to [redacted] business receipt date on the CD. Cash-out - Provide the
Missing, days from transaction date of [redacted]. Other following:
Incorrect, Letter of
Incomplete Seller Comment (2025-07-03): This is invalid, the Explanation,
and/or [redacted] originated loan was sold to [redacted] Proof of
provided on Delivery, and
the wrong Re-open
form Seller Comment (2025-07-02): INVALID NA- Rescission
transaction date [redacted] Loan disbursed on using the
[redacted] after recession expired on [redacted] correct model
form
[Redacted] [Redacted] [Redacted] 1132 33811000 Compliance Compliance Federal TILA Right- TILA Notice of Right to Cancel Expiration Date Truth in Lending Act: Actual Date(s) on Notice of Right Reviewer Comment (2025-07-07): Updated the latest 07/07/2025 1 C A C A C A C A C A CA Primary Refinance - TILA ROR - C A A A C A A A Non QM Non QM Yes
Compliance to-Cancel Prior or equal to Disbursement Date to Cancel occurs prior to expected date(s). receipt date on the CD. Cash-out - Provide the
Missing, Other following:
Incorrect, Letter of
Incomplete Seller Comment (2025-07-02): INVALID NA- Explanation,
and/or transaction date [redacted] Loan disbursed on Proof of
provided on [redacted] after recession expired on [redacted] Delivery, and
the wrong Re-open
form Rescission
using the
correct model
form
[Redacted] [Redacted] [Redacted] 1132 33811038 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-01): Client acknowledges 07/01/2025 3 A A A A A A A A A A CA Primary Refinance - C A A A C A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1133 33811534 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-02): Client acknowledges 07/02/2025 3 A A A A A A A A A A CO Primary Refinance - C A A A C A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated contains a exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID reduced scope impact grading. Other
Grid is outside of the scope of review. This for
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1133 33811791 Compliance Compliance Federal Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan APR on subject Reviewer Comment (2025-07-07): Appraisal receipt 07/07/2025 1 C A C A C A C A C A CO Primary Refinance - C A A A C A A A Non QM Non QM No
Compliance of [redacted]% or Final Disclosure APR of [redacted]% is loan of form document provided. Cash-out -
equal to or greater than the threshold of APOR [redacted]% or Other
[redacted]% + [redacted]%, or [redacted]%. Non- Final
Compliant Higher Priced Mortgage Loan. Disclosure APR Seller Comment (2025-07-03): Appraisal receipt
of [redacted]% attached
is equal to or
greater than
the threshold
of APOR
[redacted]% +
[redacted]%,
or
[redacted]%.
[Redacted] [Redacted] [Redacted] 1133 33811792 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did Creditor did Reviewer Comment (2025-07-07): Appraisal receipt 07/07/2025 1 C A C A C A C A C A CO Primary Refinance - C A A A C A A A Non QM Non QM No
Compliance Mortgage Loan (Timing of Appraisal to Consumer) not provide a copy of each valuation to applicant not provide a form document provided. Cash-out -
[redacted] business days prior to consummation. copy of each Other
valuation to
applicant Seller Comment (2025-07-03): Appraisal receipt
[redacted] attached
business days
prior to
consummation.
[Redacted] [Redacted] [Redacted] 1134 33879541 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1135 33880614 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1136 33880187 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1137 33880446 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens. The
rating
agencies must
specifically
approve the
client for
this reduced
scope as
Secondary lien
[Redacted] [Redacted] [Redacted] 1138 33880049 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A FL Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1139 33885004 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1140 33879640 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1141 33884963 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A NE Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1142 33879463 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1143 33880185 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1144 33884743 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A MO Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1145 33880110 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A ME Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1146 33879922 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1147 33880483 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1148 33872563 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1149 33873537 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1150 33880540 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/10/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1150 33880594 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - Priced QM Priced
provided to the Borrower. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1151 33893640 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-11): "Client acknowledges 07/11/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1152 33880462 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1153 33884636 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1154 33880409 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1155 33880659 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/10/2025 3 A A A A A A A A A A MO Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1155 33880661 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The most recent valuation Reviewer Comment (2025-07-23): PDI provided. 07/23/2025 1 C A C A C A C A C A MO Primary Refinance - C A C A A A A A Higher Higher No
Documentation Processing Documentation inspection is dated prior to the most recent FEMA Exception is clear. Cash-out - Priced QM Priced
disaster. Other (APOR) QM
(APOR)
Seller Comment (2025-07-23): PDI uploaded
[Redacted] [Redacted] [Redacted] 1156 33884339 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1157 33880201 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1158 33884371 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/10/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1158 33884567 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - QM (APOR) Harbor
provided to the Borrower. Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1159 33884954 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1160 33880630 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1161 33880569 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A LA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1162 33880508 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1163 33880526 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1164 33884714 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1165 33885755 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1166 33880697 Compliance Compliance Federal Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan Testing to be Reviewer Comment (2025-07-14): Proof of delivery 07/14/2025 1 C A C A C A C A C A ME Primary Refinance - C A A A C A A A Non QM Non QM No
Compliance of [redacted]% or Final Disclosure APR of [redacted]% is updated once provided. Exception is clear. Cash-out -
equal to or greater than the threshold of APOR proof of Other
[redacted]% + [redacted]%, or [redacted]%. Non- delivery of
Compliant Higher Priced Mortgage Loan. appraisal is Reviewer Comment (2025-07-11): The disclosure
provided. provided is not the correct disclosure. This
disclosure states the borrower wishes to receive
the appraisal rather than waiving the [redacted]
day timing. It does not acknowledge their receipt.
Please provide proof of delivery.
Seller Comment (2025-07-11): Appraisal receipt
Attached
[Redacted] [Redacted] [Redacted] 1166 33880698 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did Testing to be Reviewer Comment (2025-07-14): Proof of delivery 07/14/2025 1 C A C A C A C A C A ME Primary Refinance - C A A A C A A A Non QM Non QM No
Compliance Mortgage Loan (Timing of Appraisal to Consumer) not provide a copy of each valuation to applicant updated once provided. Exception is clear. Cash-out -
[redacted] business days prior to consummation. proof of Other
delivery of
appraisal is Seller Comment (2025-07-11): Appraisal was received
provided. within [redacted] days of closing.
Reviewer Comment (2025-07-11): The disclosure
provided is not the correct disclosure. This
disclosure states the borrower wishes to receive
the appraisal rather than waiving the [redacted]
day timing. It does not acknowledge their receipt.
Please provide proof of delivery.
Seller Comment (2025-07-11): Appraisal receipt
Attached
[Redacted] [Redacted] [Redacted] 1166 33880700 Compliance Compliance State State Defect [redacted] Federal HPML Compliance Test [redacted] (Regulation Z-3 2013): Higher-Priced Mortgage Testing to be Reviewer Comment (2025-07-14): Proof of delivery 07/14/2025 1 C A C A C A C A C A ME Primary Refinance - C A A A C A A A Non QM Non QM No
Compliance Loan - Not Compliant updated once provided. Exception is clear. Cash-out -
proof of Other
delivery of
appraisal is Seller Comment (2025-07-11): Appraisal was received
provided. within [redacted] days of closing.
Reviewer Comment (2025-07-11): The disclosure
provided is not the correct disclosure. This
disclosure states the borrower wishes to receive
the appraisal rather than waiving the [redacted]
day timing. It does not acknowledge their receipt.
Please provide proof of delivery.
Seller Comment (2025-07-11): Appraisal receipt
Attached
[Redacted] [Redacted] [Redacted] 1166 33880701 Compliance Compliance State State HPML [redacted] HPML Threshold 2013 Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject Testing to be Reviewer Comment (2025-07-14): Proof of delivery 07/14/2025 1 C A C A C A C A C A ME Primary Refinance - Within 30 days C A A A C A A A Non QM Non QM Yes
Compliance loan of [redacted]% or Final Disclosure APR of updated once provided. Exception is clear. Cash-out - of closing and
[redacted]% is equal to or greater than the threshold of proof of Other prior to
APOR [redacted]% + [redacted]%, or [redacted]%, or delivery of receiving any
subject loan is a high-cost mortgage loan, contains appraisal is Seller Comment (2025-07-11): Appraisal was received notice, notify
negative amortization, or has an interest-only feature. provided. within [redacted] days of closing. borrower, make
Non-Compliant Higher Priced Loan. appropriate
restitution
Reviewer Comment (2025-07-11): The disclosure and
provided is not the correct disclosure. This adjustments.
disclosure states the borrower wishes to receive
the appraisal rather than waiving the [redacted] (Limited Use
day timing. It does not acknowledge their receipt. Bona Fide
Please provide proof of delivery. Errors -
Compliance and
Client
Seller Comment (2025-07-11): Appraisal receipt Approval
Attached Required)
Within 60 days
of closing,
provide:
(1) Legal
opinion from
originating
lender with
loan-specific
details on how
a high-cost
loan was made
despite
procedures to
prevent and
confirms (i)
the failure
constitutes a
bona fide
error for the
jurisdiction
in which the
property is
located, and
(ii) that the
lender has not
received any
notice from
the borrower
of the
failure; (2)
procedures or
explanation of
controls in
place to
prevent such
errors; (3)
client written
approval
accepting use
of the bona
fide error
cure; (4)
Letter of
Explanation to
borrower; (5)
refund of
amount over
the higher-
priced
threshold
maximum; and
(6) proof of
mailing (must
be in transit
with courier).
Note, a cure
may not be
accepted if
the
seller/lender
has certified
a fix has been
made to their
system and the
same issue
continues to
occur after
the fix has
been put into
place.
[Redacted] [Redacted] [Redacted] 1166 33880702 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A ME Primary Refinance - C A A A C A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1167 33885194 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1167 33885352 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1168 33893551 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1169 33884583 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1170 33880130 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens. The
rating
agencies must
specifically
approve the
client for
this reduced
scope is
second lien
[Redacted] [Redacted] [Redacted] 1171 33885661 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1172 33911980 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1173 33885150 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/10/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1173 33885164 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1174 33884411 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/10/2025 3 A A A A A A A A A A OK Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1174 33884511 Compliance Compliance State State HPML (State HPML) Oklahoma Higher-Priced Mortgage Loan [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B OK Primary Refinance - No obvious B B A A B B A A Higher Higher No
Compliance (APR Exceeds HPML Threshold) loan of [redacted]% or Final Disclosure APR of Cash-out - cure Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1175 33880649 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens. The
rating
agencies must
specifically
approve the
client for
this reduced
scope as
second lien
[Redacted] [Redacted] [Redacted] 1176 33894143 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1177 33880490 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope
[Redacted] [Redacted] [Redacted] 1178 33894004 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading." Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1179 33880712 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1180 33893825 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1181 33884574 Credit Loan Package Closing / Missing Missing Document: Security Instrument - Subject Security Reviewer Comment (2025-07-11): SI provided. 07/11/2025 1 D A D A D A D A D A MO Primary Refinance - D A D A B A A A Safe Harbor Safe No
Documentation Title Document Lien not provided Instrument- Exception is clear Cash-out - QM (APOR) Harbor
Subject Lien Other QM
is not (APOR)
provided. Seller Comment (2025-07-11): DOT uploaded
[Redacted] [Redacted] [Redacted] 1181 33884579 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A MO Primary Refinance - D A D A B A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1181 33884788 Compliance Compliance Federal TILA Right- Right of Rescission Timing - Note Date used as Unable to conclusively determine date of consummation. The file is Reviewer Comment (2025-07-11): SI provided. 07/11/2025 1 B A B A B A B A B A MO Primary Refinance - D A D A B A A A Safe Harbor Safe No
Compliance to-Cancel Transaction Date Note date used as transaction date for purposes of missing a Exception is clear. Cash-out - QM (APOR) Harbor
Missing, determining compliance with rescission timing Security Other QM
Incorrect, requirements Instrument to (APOR)
Incomplete obtain the
and/or Notary date.
provided on
the wrong
form
[Redacted] [Redacted] [Redacted] 1182 33900835 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A VA Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading." Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1183 33900836 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1184 33894263 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1184 33894364 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1184 33894365 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 50(a)(6): Acceptable 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Safe Harbor Safe No
Compliance Level Endorsement Not Obtained) [redacted] title insurance endorsements not obtained for Cash-out - endorsements QM (APOR) Harbor
home equity loan. The loan file does not evidence the Other would be QM
Title Policy includes the [redacted] T-42 endorsement or required at (APOR)
the T-42.1 endorsement. (The loan is a [redacted] the time of
Section 50 (a)(6) [redacted].) original title
policy
issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1185 33901713 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1186 33900973 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1187 33894040 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A MA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1188 33893651 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1189 33885302 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1190 33894073 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other (APOR) QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1190 33894086 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1191 33885103 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1192 33900279 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1193 33884443 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1194 33884859 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1195 33893768 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1195 33893769 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance loan of [redacted]% or Final Disclosure APR of Cash-out - Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. Non- (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1195 33893776 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1196 33884864 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1197 33893676 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1198 33893886 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1199 33885121 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance updated as per Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated the guideline exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID correctly purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1200 33894391 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1201 33884562 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1202 33911861 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1203 33885096 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1204 33893991 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1205 33894284 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1206 33894089 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1207 33885191 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1208 33884711 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): "Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1209 33900554 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1210 33894405 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - C A A A C A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1210 33894423 Compliance Compliance Federal Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan Reviewer Comment (2025-07-15): Proof of delivery 07/15/2025 1 C A C A C A C A C A FL Primary Refinance - C A A A C A A A Non QM Non QM No
Compliance of [redacted]% or Final Disclosure APR of [redacted]% is provided. Exception is clear. Cash-out -
equal to or greater than the threshold of APOR Other
[redacted]% + [redacted]%, or [redacted]%. Non-
Compliant Higher Priced Mortgage Loan. Seller Comment (2025-07-15): appraisal receipt
attached
[Redacted] [Redacted] [Redacted] 1210 33894424 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did Reviewer Comment (2025-07-15): Proof of delivery 07/15/2025 1 C A C A C A C A C A FL Primary Refinance - C A A A C A A A Non QM Non QM No
Compliance Mortgage Loan (Timing of Appraisal to Consumer) not provide a copy of each valuation to applicant provided. Exception is clear. Cash-out -
[redacted] business days prior to consummation. Other
Seller Comment (2025-07-15): appraisal receipt
attached
[Redacted] [Redacted] [Redacted] 1211 33884817 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1212 33900415 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1213 33894257 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1214 33893884 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AR Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1214 33893893 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The most recent valuation Investor to Reviewer Comment (2025-07-22): PDI provided. 07/22/2025 1 C A C A C A C A C A AR Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Documentation inspection is dated prior to the most recent FEMA order Exception is clear. Cash-out - QM (APOR) Harbor
disaster. Other QM
(APOR)
Seller Comment (2025-07-21): PDI Attached
[Redacted] [Redacted] [Redacted] 1215 33900275 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1216 33884716 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1217 33894234 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A KS Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1218 33894058 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A CA Second Refinance - C B C A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Home Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1218 33894096 Credit Loan Package Application / Loan Package Mismatch of data related to Occupancy. - 07/15/2025 1 C A C A C A C A C A CA Second Refinance - C B C A B B A A Safe Harbor Safe No
Documentation Processing Documentation Home Cash-out - QM (APOR) Harbor
Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1218 33926622 Compliance Compliance Federal Missing Disparity in Occupancy - Not High Cost and Not The mortgage loan file contains documenting evidence the 2 B B B B B B B B B B CA Second Refinance - C B C A B B A A Safe Harbor Safe No
Compliance Required Data Higher Priced consumer intends to occupy the subject property as their Home Cash-out - QM (APOR) Harbor
(other than primary residence. (Compliance testing performed based Other QM
HUD-1 or on the Occupancy Type of Second Home). (APOR)
Note)
[Redacted] [Redacted] [Redacted] 1219 33893901 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NE Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1220 33894044 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1221 33893954 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NE Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1222 33900434 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1223 33894182 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1224 33894235 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1225 33885124 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-10): Client acknowledges 07/10/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1226 33893878 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1227 33900200 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1228 33894149 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1229 33893786 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1230 33893948 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1231 33894152 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1232 33894317 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1233 33893831 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1234 33893818 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1235 33901127 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1236 33902247 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AZ Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1237 33900666 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A MO Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1237 33900848 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B MO Primary Refinance - B B A A B B A A Higher Higher No
Compliance personal tax returns provided are not the most recent. Cash-out - Priced QM Priced
Application Date [redacted], Most Recent Tax Return End Other (APOR) QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1238 33900201 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1239 33900472 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1240 33900663 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1240 33900840 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1241 33900675 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A KS Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1242 33900389 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The most recent valuation Reviewer Comment (2025-07-22): PDI provided. 07/22/2025 1 C A C A C A C A C A MO Primary Refinance - C A C A A A A A Higher Higher No
Documentation Processing Documentation inspection is dated prior to the most recent FEMA Exception is clear. Cash-out - Priced QM Priced
disaster. Other (APOR) QM
(APOR)
Seller Comment (2025-07-21): No Damage
[Redacted] [Redacted] [Redacted] 1242 33900397 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MO Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1243 33900481 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1244 33891291 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/10/2025 3 A A A A A A A A A A CT Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1244 33891311 Compliance Compliance Federal Missing Non- (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not 2 B B B B B B B B B B CT Primary Refinance - B B A A B B A A Higher Higher No
Compliance Required Data provided. Worst Case Scenario between Creditor Cash-out - Priced QM Priced
Application Date and Transaction Date used to determine Other (APOR) QM
rate used for testing. (APOR)
[Redacted] [Redacted] [Redacted] 1245 33900838 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1246 33900229 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A VA Primary Refinance - B B A A B B A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1246 33900333 Compliance Compliance Federal Missing Non- (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not 2 B B B B B B B B B B VA Primary Refinance - B B A A B B A A Non QM Non QM No
Compliance Required Data provided. Worst Case Scenario between Creditor Cash-out -
Application Date and Transaction Date used to determine Other
rate used for testing.
[Redacted] [Redacted] [Redacted] 1247 33901369 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1248 33901051 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A ID Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1249 33900907 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1250 33900505 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1251 33901611 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1252 33900218 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1253 33901491 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - C A C A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1253 33901534 Credit Income / Income Income / Income Docs Missing: - The monthly Reviewer Comment (2025-07-21): Income type updated 07/21/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A C A A A Safe Harbor Safe No
Employment Documentation Employment gross and award letter provided. Exception is clear. Cash-out - QM (APOR) Harbor
reflected on Other QM
the award (APOR)
letter appears Seller Comment (2025-07-18): The income was not
to be a typo used to qualify, [redacted] Pension letter and SSI
and is unclear letters are in file
what the
correct amount
should be. Reviewer Comment (2025-07-16): The income in
question is not the [redacted], rather the pension
from the [redacted]. The monthly gross reflects
$[redacted], which appears to be a typo. Additional
information is required.
Seller Comment (2025-07-16): Award letter is clear;
I uploaded a copy along with the UW income calc.
[Redacted] [Redacted] [Redacted] 1253 33901606 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Loan Reviewer Comment (2025-07-21): Income type updated 07/21/2025 1 B A C A B A C A B A CA Primary Refinance - Lender to C A C A C A A A Safe Harbor Safe Yes
Compliance Designation of Safe Harbor QM (APOR) does not match Due Designation of and award letter provided. Exception is clear. Cash-out - provide QM (APOR) Harbor
Diligence Loan Designation of QM (APOR) Risk. Safe Harbor QM Other updated ATR/QM QM
(APOR) does status (APOR)
not match Due Seller Comment (2025-07-18): The income was not
Diligence Loan used to qualify, [redacted] Pension letter and SSI
Designation of letters are in file
QM (APOR)
Risk.
[Redacted] [Redacted] [Redacted] 1253 33901608 Compliance Compliance Federal ATR/QM Defect General QM Provision Investor Guidelines General QM: Based on the loan failing one or more The monthly Reviewer Comment (2025-07-21): Income type updated 07/21/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance Violation guideline components, the loan is at QM risk. gross and award letter provided. Exception is clear. Cash-out - QM (APOR) Harbor
reflected on Other QM
the award (APOR)
letter appears Seller Comment (2025-07-18): The income was not
to be a typo used to qualify, [redacted] Pension letter and SSI
and is unclear letters are in file
what the
correct amount
should be. Reviewer Comment (2025-07-16): The income in
question is not the [redacted], rather the pension
from the [redacted]. The monthly gross reflects
$[redacted], which appears to be a typo. Additional
information is required.
Seller Comment (2025-07-16): Award letter is clear;
I uploaded a copy along with the UW income calc.
[Redacted] [Redacted] [Redacted] 1254 33900616 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1255 33901828 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - QM (APOR) Harbor
provided to the Borrower. Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1255 33901850 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1256 33901728 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1257 33901471 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1258 33901854 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1259 33901484 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1260 33900977 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1261 33901924 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1262 33901086 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1263 33902521 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1264 33901281 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A DC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1265 33901423 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1266 33901152 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1267 33901343 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1268 33900815 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1268 33900951 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - Priced QM Priced
provided to the Borrower. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1269 33900670 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NE Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1270 33901788 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1271 33900883 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1272 33901724 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1273 33901425 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1274 33901725 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1275 33901575 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1276 33900912 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1277 33903385 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/15/2025 3 A A A A A A A A A A LA Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1277 33933156 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B LA Primary Refinance - B B A A B B A A Higher Higher No
Compliance personal tax returns provided are not the most recent. Cash-out - Priced QM Priced
Application Date [redacted], Most Recent Tax Return End Other (APOR) QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1278 33901564 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/15/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1278 33901783 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other (APOR) QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1278 33901786 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 50(a)(6): Acceptable 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Higher Higher No
Compliance Level Endorsement Not Obtained) [redacted] title insurance endorsements not obtained for Cash-out - endorsements Priced QM Priced
home equity loan. The loan file does not evidence the Other would be (APOR) QM
Title Policy includes the [redacted] T-42 endorsement or required at (APOR)
the T-42.1 endorsement. (The loan is a [redacted] the time of
Section 50 (a)(6) [redacted] loan.) original title
policy
issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1278 33901787 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (Other Debt) [redacted] Constitution Section 50(a)(6): TX 50(a)(6) 2 B B B B B B B B B B TX Primary Refinance - Confirm B B A A B B A A Higher Higher Yes
Compliance Level prohibits other debt secured by the homestead unless the Cash-out - whether Priced QM Priced
purpose of additional debt is one described under TX Other additional (APOR) QM
50(a)(1)-(5) or (8). Unable to determine purpose of debt on the (APOR)
additional debt secured by the homestead. subject
property is a
Texas 50(a)(6)
or 50(a)(7)
prior to
Remediating.
Notify
consumer the
accrual of
interest and
other
obligations
will be abated
so long as the
prior 50(a)(6)
or (7) is
secured by the
homestead
[Redacted] [Redacted] [Redacted] 1279 33912343 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1280 33901925 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1281 33902364 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading." Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1282 33911957 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A MI Primary Refinance - B B A A B B A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1282 33911989 Compliance Compliance State Misc. State Michigan CMPA Home Loan Toolkit Timing [redacted] Consumer Mortgage Protection Act: Home Loan 2 B B B B B B B B B B MI Primary Refinance - B B A A B B A A Non QM Non QM No
Compliance Level Toolkit not provided to borrower within [redacted] Cash-out -
business days of application. Other
[Redacted] [Redacted] [Redacted] 1283 33902157 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1284 33901736 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1284 33901831 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1285 33902147 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AR Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1286 33901492 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1287 33911859 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated contains a exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID reduced scope impact grading. Other QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1288 33902037 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1289 33911925 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1290 33902757 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1291 33912170 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope as seond
lien
[Redacted] [Redacted] [Redacted] 1292 33912133 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1293 33912416 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1294 33911908 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1295 33912426 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1296 33912198 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1297 33901805 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A KY Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1298 33956697 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1299 33912134 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1300 33912393 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1301 33918505 Compliance Compliance State Compliance 90 Day RNY has been discontinued effective June 2 B B B B B B B B B B AR Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance 1, 2024. Most recent available index value used Cash-out - QM (APOR) Harbor
for bona fide discount point testing. Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1301 33919954 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/15/2025 3 A A A A A A A A A A AR Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1302 33920697 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1302 33920698 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance loan of [redacted]% or Final Disclosure APR of Cash-out - Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. Non- (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1302 33920709 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1303 33920739 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1304 33920291 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1305 33920761 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1306 33920451 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1307 33920029 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1308 33919872 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1309 33919964 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1310 33920130 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1311 33920188 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1312 33920825 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1313 33920178 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1314 33920873 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1315 33920217 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1316 33919994 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A LA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1317 33920406 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1318 33921014 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1319 33920457 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1320 33920831 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Rate/Term QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1321 33920332 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1322 33921357 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1323 33919957 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1323 33920092 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - Priced QM Priced
provided to the Borrower. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1324 33920766 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1325 33920618 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1326 33920060 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1327 33920336 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1328 33920655 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1329 33920758 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1330 33921309 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1331 33920425 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1332 33920109 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1333 33920544 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1334 33920000 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1335 33920279 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A IA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1336 33921031 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1337 33920093 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1338 33920895 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1339 33920364 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1340 33920637 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1341 33920006 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/14/2025 3 A A A A A A A A A A VA Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1341 33920135 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B VA Primary Refinance - B B A A B B A A Higher Higher No
Compliance personal tax returns provided are not the most recent. Cash-out - Priced QM Priced
Application Date [redacted], Most Recent Tax Return End Other (APOR) QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1342 33920846 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1343 33920516 Credit Loan Package Loan File Missing Missing Document: Hazard Insurance Policy not Full Hazard Reviewer Comment (2025-07-16): HOI provided. 07/16/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Document provided Insurance Exception is clear. Cash-out - QM (APOR) Harbor
Policy is not Other QM
provided in (APOR)
the file Seller Comment (2025-07-16): HOI
[Redacted] [Redacted] [Redacted] 1343 33920586 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1344 33924133 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1345 33919987 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1346 33920353 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1347 33920229 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1348 33920577 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1349 33920348 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Updated as per Reviewer Comment (2025-07-14): "Client acknowledges 07/14/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated the source of exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID the document impact grading." Other QM
Grid is outside of the scope of review. This correctly. (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1350 33920668 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1351 33920127 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1352 33920851 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1353 33920494 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1354 33924973 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/15/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1354 33924992 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 50(a)(6): Acceptable 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Safe Harbor Safe No
Compliance Level Endorsement Not Obtained) [redacted] title insurance endorsements not obtained for Cash-out - endorsements QM (APOR) Harbor
home equity loan. The loan file does not evidence the Other would be QM
Title Policy includes the [redacted] T-42 endorsement or required at (APOR)
the T-42.1 endorsement. (The loan is a [redacted] the time of
Section 50 (a)(6) [redacted] loan.) original title
policy
issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1355 33921457 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1356 33920525 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1357 33927589 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1358 33920863 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1359 33927180 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1360 33927437 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1361 33927694 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1362 33927337 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1363 33927649 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1364 33927268 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1365 33928107 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1366 33928078 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1366 33928114 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/15/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1367 33927433 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1368 33927698 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading." Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1369 33927615 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The most recent valuation Most Recent Valuation Inspection Date: ___ Reviewer Comment (2025-07-17): PDI provided. 07/17/2025 1 C A C A C A C A C A TN Primary Refinance - C A C A A A A A Non QM Non QM No
Documentation Processing Documentation inspection is dated prior to the most recent FEMA Disaster End Date: ___ Exception is clear. Cash-out -
disaster. Disaster Name: ___ Other
Disaster Declaration Date: ___
Seller Comment (2025-07-17): No Damage
[Redacted] [Redacted] [Redacted] 1369 33927630 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A TN Primary Refinance - C A C A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1370 33927481 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1371 33927312 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1372 33928419 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1373 33928105 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope as
second lien
[Redacted] [Redacted] [Redacted] 1374 33927877 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1375 33927924 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1376 33927789 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1377 33927612 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1378 33927375 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1379 33927455 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1380 33928197 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1381 33927689 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1382 33927165 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1383 33927625 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1384 33927791 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1385 33927643 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1386 33928221 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically impact grading." Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope
[Redacted] [Redacted] [Redacted] 1387 33927264 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1388 33927331 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1389 33927928 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1390 33927231 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1391 33927457 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A MO Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1391 33928405 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The most recent valuation Most Recent Valuation Inspection Date: ___ The subject Reviewer Comment (2025-07-17): PDI provided. 07/17/2025 1 C A C A C A C A C A MO Primary Refinance - C A C A A A A A Higher Higher No
Documentation Processing Documentation inspection is dated prior to the most recent FEMA Disaster End Date: ___ property is Exception is clear. Cash-out - Priced QM Priced
disaster. Disaster Name: ___ located in a Other (APOR) QM
Disaster Declaration Date: ___ FEMA disaster (APOR)
area. A post Seller Comment (2025-07-17): No damage
disaster
inspection
verifying
there was no
damage to the
subject
property is
required.
[Redacted] [Redacted] [Redacted] 1392 33928130 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1393 33927498 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1394 33928088 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1395 33928295 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1396 33927465 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1397 33927775 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/15/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1397 33927858 Compliance Compliance State Misc. State Minnesota Residential Mortgage Originator and [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level Servicer Licensing Act (Counseling Requirement) Licensing Act: Refinance of a "special mortgage" without Cash-out - QM (APOR) Harbor
evidence that borrower received counseling on Other QM
advisability of transaction by an authorized independent (APOR)
loan counselor.
[Redacted] [Redacted] [Redacted] 1397 33927859 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - QM (APOR) Harbor
provided to the Borrower. Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1398 33924462 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-14): Client acknowledges 07/14/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1399 33927954 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1400 33927763 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope is
second lien
[Redacted] [Redacted] [Redacted] 1401 33927619 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1402 33927373 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A KS Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1403 33927580 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1404 33928184 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1405 33928326 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1406 33932156 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1407 33927737 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client elects to 07/15/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated waive and downgrade with compensating factors. Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1408 33927734 Credit Loan Package Loan File Missing Missing Document: Hazard Insurance Policy not Hazard Reviewer Comment (2025-07-16): HOI provided. 07/16/2025 1 C A C A C A C A C A CO Primary Refinance - C A C A A A A A Higher Higher No
Documentation Document provided Insurance Exception is clear. Cash-out - Priced QM Priced
Policy is Other (APOR) QM
missing. (APOR)
Seller Comment (2025-07-16): HOI
[Redacted] [Redacted] [Redacted] 1408 33927837 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A CO Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1409 33940405 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1410 33940211 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1411 33928341 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-15): "Client acknowledges 07/15/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated contains a exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID reduced scope impact grading." Other (APOR) QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1412 33932402 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1413 33940305 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A WI Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1414 33952420 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NC Primary Refinance - C A C A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1414 33952586 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or Documentation Reviewer Comment (2025-07-22): Income has been 07/22/2025 1 B A B A B A B A B A NC Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. is missing to sufficiently verified. Exception is clear. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End verify co- Other QM
Date [redacted], Tax Return Due Date [redacted]. borrower's (APOR)
business loss
of $[redacted]
from
[redacted].
[Redacted] [Redacted] [Redacted] 1414 33952588 Credit Income / Income Income / Income Docs Missing: - Tax Returns Reviewer Comment (2025-07-22): Income has been 07/22/2025 1 C A C A C A C A C A NC Primary Refinance - C A C A C A A A Safe Harbor Safe No
Employment Documentation Employment are missing to sufficiently verified. Exception is clear. Cash-out - QM (APOR) Harbor
verify co- Other QM
borrower's (APOR)
business loss Seller Comment (2025-07-21): Co-Borr income was not
of [redacted] used to qualify, [redacted] income docs provided
from for the borrower.
[redacted].
[Redacted] [Redacted] [Redacted] 1414 33952610 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Tax Returns Reviewer Comment (2025-07-22): Income has been 07/22/2025 1 B A C A B A C A B A NC Primary Refinance - Lender to C A C A C A A A Safe Harbor Safe Yes
Compliance Designation of Safe Harbor QM (APOR) does not match Due are missing to sufficiently verified. Exception is clear. Cash-out - provide QM (APOR) Harbor
Diligence Loan Designation of QM (APOR) Risk. verify co- Other updated ATR/QM QM
borrower's status (APOR)
business loss Seller Comment (2025-07-21): Co-Borr income was not
of [redacted] used to qualify, [redacted] income docs provided
from for the borrower.
[redacted],
causing loan
to waterfall
through QM
testing,
resulting in a
Loan
Designation
discrepancy.
[Redacted] [Redacted] [Redacted] 1414 33952611 Compliance Compliance Federal ATR/QM Defect General QM Provision Investor Guidelines General QM: Based on the loan failing one or more Tax Returns Reviewer Comment (2025-07-22): Income has been 07/22/2025 1 C A C A C A C A C A NC Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance Violation guideline components, the loan is at QM risk. are missing to sufficiently verified. Exception is clear. Cash-out - QM (APOR) Harbor
verify co- Other QM
borrower's (APOR)
business loss Seller Comment (2025-07-21): Co-Borr income was not
of [redacted] used to qualify, [redacted] income docs provided
from for the borrower.
[redacted],
causing loan
to waterfall
through QM
testing.
[Redacted] [Redacted] [Redacted] 1415 33952279 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): "Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1416 33928017 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope
[Redacted] [Redacted] [Redacted] 1417 33940559 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1418 33952168 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): "Client acknowledges 07/17/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1419 33932566 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1420 33944527 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1421 33932267 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1422 33931980 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1423 33928125 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1424 33927960 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1425 33927718 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/15/2025 3 A A A A A A A A A A GA Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1425 33927741 Compliance Compliance Federal TILA Right- Right of Rescission Timing - Note Date used as Unable to conclusively determine date of consummation. 2 B B B B B B B B B B GA Primary Refinance - B B A A B B A A Higher Higher No
Compliance to-Cancel Transaction Date Note date used as transaction date for purposes of Cash-out - Priced QM Priced
Missing, determining compliance with rescission timing Other (APOR) QM
Incorrect, requirements (APOR)
Incomplete
and/or
provided on
the wrong
form
[Redacted] [Redacted] [Redacted] 1426 33944419 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1427 33940574 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/16/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1427 33940871 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1427 33940872 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 50(a)(6): Acceptable 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Safe Harbor Safe No
Compliance Level Endorsement Not Obtained) [redacted] title insurance endorsements not obtained for Cash-out - endorsements QM (APOR) Harbor
[redacted] loan. The loan file does not evidence the Other would be QM
Title Policy includes the [redacted] T-42 endorsement or required at (APOR)
the T-42.1 endorsement. (The loan is a [redacted] the time of
Section 50 (a)(6) [redacted] loan.) original title
policy
issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1428 33928283 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1429 33940726 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1430 33932285 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A IN Second Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Home Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1431 33928008 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/15/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1431 33928067 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other (APOR) QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1432 33932612 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1433 33932547 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1434 33940571 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1435 33944367 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A NM Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1436 33952941 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically impact grading." Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1437 33932559 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1438 33940745 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance . Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1439 33932048 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1440 33952256 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): "Client acknowledges 07/17/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1441 33928115 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Home QM
Grid is outside of the scope of review. This Improvement (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1442 33944379 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1443 33940558 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1444 33927732 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A AR Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1445 33952273 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): "Client acknowledges 07/17/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1446 33928305 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope as
second lien
[Redacted] [Redacted] [Redacted] 1447 33927882 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1448 33932873 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1449 33932164 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1450 33953091 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1451 33952923 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1452 33940857 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1453 33944558 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1454 33952810 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope.
[Redacted] [Redacted] [Redacted] 1455 33940698 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1456 33940045 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1457 33927638 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client elects to 07/15/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated waive and downgrade with compensating factors. Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1458 33953068 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/17/2025 3 A A A A A A A A A A OK Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1458 33953089 Compliance Compliance State State HPML (State HPML) Oklahoma Higher-Priced Mortgage Loan [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B OK Primary Refinance - No obvious B B A A B B A A Higher Higher No
Compliance (APR Exceeds HPML Threshold) loan of [redacted]% or Final Disclosure APR of Cash-out - cure Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1459 33937868 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1460 33932336 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1461 33952785 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - C A C A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1461 33952804 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A C A A A Safe Harbor Safe No
Documentation Processing Document missing in the Exception is clear. Cash-out - QM (APOR) Harbor
file Other QM
(APOR)
Seller Comment (2025-07-21): approval uploaded
[Redacted] [Redacted] [Redacted] 1461 33952820 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Originator Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 B A C A B A C A B A CA Primary Refinance - Lender to C A C A C A A A Safe Harbor Safe Yes
Compliance Designation of Safe Harbor QM (APOR) does not match Due Loan Exception is clear. Cash-out - provide QM (APOR) Harbor
Diligence Loan Designation of QM (APOR) Fail. Designation of Other updated ATR/QM QM
Safe Harbor QM status (APOR)
(APOR) does Seller Comment (2025-07-21): approval uploaded
not match Due
Diligence Loan
Designation of
QM (APOR)
Fail.
[Redacted] [Redacted] [Redacted] 1461 33952821 Compliance Compliance Federal ATR/QM Defect General QM Provision Loan Approval General QM: Missing loan approval; General QM testing is General QM Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance incomplete. testing is Exception is clear. Cash-out - QM (APOR) Harbor
incomplete. Other QM
(APOR)
Seller Comment (2025-07-21): approval uploaded
[Redacted] [Redacted] [Redacted] 1462 33944547 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1463 33952307 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A OR Investment Refinance - C A C A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1463 33952319 Credit Loan Package Application / Missing Missing Document: Approval not provided Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A OR Investment Refinance - C A C A A A A A N/A N/A No
Documentation Processing Document Exception is clear. Cash-out -
Other
Seller Comment (2025-07-21): Approval uploaded
[Redacted] [Redacted] [Redacted] 1464 33950040 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1465 33952435 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A DE Primary Refinance - C A C A C A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1465 33952514 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A DE Primary Refinance - C A C A C A A A Higher Higher No
Documentation Processing Document missing in the Exception is clear. Cash-out - Priced QM Priced
file. Other (APOR) QM
(APOR)
Seller Comment (2025-07-21): Approval uploaded
[Redacted] [Redacted] [Redacted] 1465 33952638 Compliance Compliance Federal Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A DE Primary Refinance - C A C A C A A A Higher Higher No
Compliance of [redacted]% or Final Disclosure APR of [redacted]% is Exception is clear. Cash-out - Priced QM Priced
equal to or greater than the threshold of APOR Other (APOR) QM
[redacted]% + [redacted]%, or [redacted]%. Non- (APOR)
Compliant Higher Priced Mortgage Loan. Seller Comment (2025-07-21): Approval uploaded
[Redacted] [Redacted] [Redacted] 1465 33952639 Compliance Compliance Federal Federal HPML TIL Higher Priced Mortgage Loan Safe Harbor Test TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 B A B A B A B A B A DE Primary Refinance - C A C A C A A A Higher Higher No
Compliance requirements not satisfied. Exception is clear. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1465 33952640 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A DE Primary Refinance - C A C A C A A A Higher Higher No
Compliance Mortgage Loan (Appraisal - Did Not Physically not performed by a certified or licensed appraiser who Exception is clear. Cash-out - Priced QM Priced
Visit) conducted a physical visit to the property. Other (APOR) QM
(APOR)
Seller Comment (2025-07-21): Approval uploaded
[Redacted] [Redacted] [Redacted] 1465 33952642 Compliance Compliance Federal ATR/QM Defect General QM Provision Loan Approval General QM: Missing loan approval; General QM testing is Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A DE Primary Refinance - C A C A C A A A Higher Higher No
Compliance incomplete. Exception is clear. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
Seller Comment (2025-07-21): Approval uploaded
[Redacted] [Redacted] [Redacted] 1465 33952643 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Originator Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 B A C A B A C A B A DE Primary Refinance - Lender to C A C A C A A A Higher Higher Yes
Compliance Designation of Higher Priced QM (APOR) does not match Loan Exception is clear. Cash-out - provide Priced QM Priced
Due Diligence Loan Designation of QM (APOR) Fail. Designation of Other updated ATR/QM (APOR) QM
Higher Priced status (APOR)
QM (APOR) does Seller Comment (2025-07-21): Approval uploaded
not match Due
Diligence Loan
Designation of
QM (APOR)
Fail.
[Redacted] [Redacted] [Redacted] 1466 33940157 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1467 33932697 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1468 33932180 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1469 33952206 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1470 33952397 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1471 33952712 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/17/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1471 33952892 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1471 33952893 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 50(a)(6): Acceptable 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Safe Harbor Safe No
Compliance Level Endorsement Not Obtained) [redacted] title insurance endorsements not obtained for Cash-out - endorsements QM (APOR) Harbor
[redacted] loan. The loan file does not evidence the Other would be QM
Title Policy includes the [redacted] T-42 endorsement or required at (APOR)
the T-42.1 endorsement. (The loan is a [redacted] the time of
Section 50 (a)(6) [redacted] loan.) original title
policy
issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1472 33932378 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1473 33952592 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1474 33952778 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1475 33952408 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/18/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1475 33952537 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 50(a)(6): Acceptable 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Non QM Non QM No
Compliance Level Endorsement Not Obtained) [redacted] title insurance endorsements not obtained for Cash-out - endorsements
[redacted] loan. The loan file does not evidence the Other would be
Title Policy includes the [redacted] T-42 endorsement or required at
the T-42.1 endorsement. (The loan is a [redacted] the time of
Section 50 (a)(6) [redacted] loan.) original title
policy
issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1476 33940364 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1477 33932341 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A LA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1478 33944565 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1479 33952209 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1480 33932149 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1481 33952844 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope as
second lien
[Redacted] [Redacted] [Redacted] 1482 33953128 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1483 33953044 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading." Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1484 33932911 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1485 33952929 Credit Loan Package Application / Missing Missing Document: Approval not provided Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A AZ Primary Refinance - C A C A C A A A Safe Harbor Safe No
Documentation Processing Document Exception is clear. Cash-out - QM (APOR) Harbor
Other QM
(APOR)
Seller Comment (2025-07-21): Approval uploaded
[Redacted] [Redacted] [Redacted] 1485 33952933 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A AZ Primary Refinance - C A C A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1485 33952958 Compliance Compliance Federal ATR/QM Defect General QM Provision Loan Approval General QM: Missing loan approval; General QM testing is Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A AZ Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance incomplete. Exception is clear. Cash-out - QM (APOR) Harbor
Other QM
(APOR)
Seller Comment (2025-07-21): Approval uploaded
[Redacted] [Redacted] [Redacted] 1485 33952959 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Failure due to Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 B A C A B A C A B A AZ Primary Refinance - Lender to C A C A C A A A Safe Harbor Safe Yes
Compliance Designation of Safe Harbor QM (APOR) does not match Due missing Exception is clear. Cash-out - provide QM (APOR) Harbor
Diligence Loan Designation of QM (APOR) Fail. Approval for Other updated ATR/QM QM
the subject status (APOR)
property. Seller Comment (2025-07-21): Approval uploaded
[Redacted] [Redacted] [Redacted] 1486 33952932 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1487 33944749 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1488 33932140 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1489 33940773 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1490 33953102 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1490 33953106 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/17/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1491 33953160 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1492 33952527 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1493 33952971 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1494 33940674 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other
Grid is outside of the scope of review. This approve the
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1495 33952803 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A RI Primary Refinance - C C A A C C A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1495 33952880 Compliance Compliance State State Defect Rhode Island Assignee Disclosure [redacted] High-Cost Loan: Mandatory purchaser/assignee 3 C C C C C C C C C C RI Primary Refinance - See any C C A A C C A A Non QM Non QM No
Compliance disclosure not contained on document that creates debt Cash-out - available cure
or pledges property as collateral. Other under the
Rhode Island
High-Cost Home
Loan threshold
exception.
[Redacted] [Redacted] [Redacted] 1495 33952881 Compliance Compliance State State Defect Rhode Island Financed Fees [redacted] High-Cost Loan: Fees financed in excess of 3 C C C C C C C C C C RI Primary Refinance - See any C C A A C C A A Non QM Non QM No
Compliance the greater of [redacted] percent ([redacted]%) or Cash-out - available cure
$[redacted]. Other under the
Rhode Island
High-Cost Home
Loan threshold
exception.
[Redacted] [Redacted] [Redacted] 1495 33952883 Compliance Compliance State State Defect (State High Cost Disclosure) Rhode Island High- [redacted] High-Cost Loan: High-Cost Home Loan 3 C C C C C C C C C C RI Primary Refinance - See any C C A A C C A A Non QM Non QM No
Compliance Cost Loan (High Cost Disclosure Not Provided) Disclosure not provided to borrower. Cash-out - available cure
Other under the
Rhode Island
High-Cost Home
Loan threshold
exception.
[Redacted] [Redacted] [Redacted] 1495 33952885 Compliance Compliance State State Defect Rhode Island Home Loan Protection Act Counseling [redacted] High-Cost Loan: No evidence of certification 3 C C C C C C C C C C RI Primary Refinance - See any C C A A C C A A Non QM Non QM No
Compliance Received from a HUD-approved [redacted] party counselor that Cash-out - available cure
borrower has received counseling on the advisability of Other under the
the loan transaction. Rhode Island
High-Cost Home
Loan threshold
exception.
[Redacted] [Redacted] [Redacted] 1495 33952886 Compliance Compliance State State Defect Rhode Island Home Loan Protection Act Disclosure [redacted] High-Cost Loan: Borrower was not provided 3 C C C C C C C C C C RI Primary Refinance - See any C C A A C C A A Non QM Non QM No
Compliance with the Consumer Caution and Home Ownership Counseling Cash-out - available cure
Notice and Certification. Other under the
Rhode Island
High-Cost Home
Loan threshold
exception.
[Redacted] [Redacted] [Redacted] 1495 33952887 Compliance Compliance State State Late (State High Cost Provision) Rhode Island Late [redacted] High-Cost Loan: Loan contains an 3 C C C C C C C C C C RI Primary Refinance - See any C C A A C C A A Non QM Non QM No
Compliance Charge Charge impermissible late charge. Cash-out - available cure
Other under the
Rhode Island
High-Cost Home
Loan threshold
exception.
[Redacted] [Redacted] [Redacted] 1495 33952888 Compliance Compliance State State Defect (State High Cost) Rhode Island High-Cost Loan [redacted] Home Loan Protection Act: Points and Fees on 3 C C C C C C C C C C RI Primary Refinance - Within 30 days C C A A C C A A Non QM Non QM Yes
Compliance (Points and Fees) subject loan of [redacted]% is in excess of the Cash-out - of loan
allowable maximum of [redacted]% of the Total Loan Other closing and
Amount. Points and Fees total $[redacted]on a Total Loan prior to the
Amount of $[redacted]vs. an allowable total of institution of
$[redacted](an overage of $[redacted]or .[redacted]%). any action
Non-Compliant High Cost Loan. under the Act,
creditor must
notify the
borrower, make
appropriate
restitution
and whatever
adjustments
are necessary
at the choice
of the
borrower to
(a) make the
high cost loan
satisfy the
requirements;
or (b) change
the terms of
the loan in a
manner
beneficial to
the borrower
so that the
loan will no
longer be
considered
high cost.
(Limited Use
Bona Fide
Errors -
Compliance and
Client
Approval
Required)
Within 60 days
of discovery,
provide:
(1) Legal
opinion from
originating
lender with
loan-specific
details on how
a high-cost
loan was made
despite
procedures to
prevent and
confirms (i)
the failure
constitutes a
bona fide
error for the
jurisdiction
in which the
property is
located, and
(ii) that the
lender has not
received any
notice from
the borrower
of the
failure; (2)
procedures or
explanation of
controls in
place to
prevent such
errors; (3)
client written
approval
accepting use
of the bona
fide error
cure; (4)
signed letter
from borrower
indicating
their choice
to either (a)
accept refund
and make loan
non-high-cost
or (b) keep
loan as high-
cost and make
loan
compliant; (5)
assuming
option 4(a) is
selected, a
copy of refund
check and
proof of
mailing (must
be in transit
with courier);
(6) assuming
option 4(b) is
selected,
proof of cure
for each of
the prohibited
practice
violations
noted. Note,
a cure may not
be accepted if
the
seller/lender
has certified
a fix has been
made to their
system and the
same issue
continues to
occur after
the fix has
been put into
place.
[Redacted] [Redacted] [Redacted] 1495 33952906 Compliance Compliance Federal ATR/QM Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank [redacted]): Self Employed 2 B B B B B B B B B B RI Primary Refinance - C C A A C C A A Non QM Non QM No
Compliance Tax Returns - The business or personal tax returns Cash-out -
provided are not the most recent. Application Date Other
[redacted], Most Recent Tax Return End Date [redacted],
Tax Return Due Date [redacted].
[Redacted] [Redacted] [Redacted] 1496 33953066 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A GA Primary Refinance - C A C A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically impact grading." Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope as
second lien
[Redacted] [Redacted] [Redacted] 1496 33953076 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A GA Primary Refinance - C A C A C A A A Safe Harbor Safe No
Documentation Processing Document not provided Exception is clear. Cash-out - QM (APOR) Harbor
in file Other QM
(APOR)
Seller Comment (2025-07-22): Approval
[Redacted] [Redacted] [Redacted] 1496 33953148 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Waterfall due Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 B A C A B A C A B A GA Primary Refinance - Lender to C A C A C A A A Safe Harbor Safe Yes
Compliance Designation of Safe Harbor QM (APOR) does not match Due to Loan Exception is clear. Cash-out - provide QM (APOR) Harbor
Diligence Loan Designation of QM (APOR) Fail. approval not Other updated ATR/QM QM
provided in status (APOR)
file Seller Comment (2025-07-22): Approval uploaded for
review
[Redacted] [Redacted] [Redacted] 1496 33953149 Compliance Compliance Federal ATR/QM Defect General QM Provision Loan Approval General QM: Missing loan approval; General QM testing is Waterfall due Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A GA Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance incomplete. to Loan Exception is clear. Cash-out - QM (APOR) Harbor
approval not Other QM
provided in (APOR)
file Seller Comment (2025-07-22): Loan Approval uploaded
for review
[Redacted] [Redacted] [Redacted] 1497 33944685 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): "Client acknowledges 07/16/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1498 33944228 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1499 33953119 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1500 33952950 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1501 33940797 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1502 33932686 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-15): Client acknowledges 07/15/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1503 33944343 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1504 33953014 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1505 33953079 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1506 33952825 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1507 33952952 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1508 33953163 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A KY Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1509 33956503 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1510 33956901 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1511 33957113 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1512 33962547 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1513 33940556 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1514 33940888 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-16): Client acknowledges 07/16/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1515 33957110 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1516 33956573 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1517 33956767 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1518 33956716 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1519 33956429 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1520 33956313 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-17): Client acknowledges 07/17/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1521 33956782 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1522 33956274 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1523 33956463 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Updated as per Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated the source of exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID the document impact grading." Other QM
Grid is outside of the scope of review. This correctly (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1524 33957248 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1525 33957309 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1526 33956350 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Updated as per Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated the source of exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID the document impact grading." Other QM
Grid is outside of the scope of review. This correctly (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1527 33963824 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - C A C A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1527 33963942 Credit Loan Package Application / Missing Missing Document: Approval not provided Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A FL Primary Refinance - C A C A C A A A Safe Harbor Safe No
Documentation Processing Document Exception is clear. Cash-out - QM (APOR) Harbor
Other QM
(APOR)
Seller Comment (2025-07-22): Approval uploaded
[Redacted] [Redacted] [Redacted] 1527 33963969 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Loan Reviewer Comment (2025-07-22): Approval provided 07/22/2025 1 B A C A B A C A B A FL Primary Refinance - Lender to C A C A C A A A Safe Harbor Safe Yes
Compliance Designation of Safe Harbor QM (APOR) does not match Due Designation and income updated. Exception is clear. Cash-out - provide QM (APOR) Harbor
Diligence Loan Designation of QM (APOR) Risk. determined to Other updated ATR/QM QM
be QM (APOR) status (APOR)
Fail due to Seller Comment (2025-07-22): Approval uploaded
excessive DTI
above
[redacted]%
maximum. UTD
variance due
to missing
approval.
[Redacted] [Redacted] [Redacted] 1527 33963970 Compliance Compliance Federal ATR/QM Defect General QM Provision Investor and QM DTIs match General QM: The DTI calculated in accordance with the DTI exceeds Reviewer Comment (2025-07-22): Approval provided 07/22/2025 1 C A C A C A C A C A FL Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance and both significantly exceed Guidelines Lenders Guidelines and 1026.43(e) of [redacted]% guideline and income updated. Exception is clear. Cash-out - QM (APOR) Harbor
significantly exceeds the guideline maximum of maximum of Other QM
[redacted]%. (DTI Exception requires compelling [redacted]%. (APOR)
compensating factors to consider regrading to EV2-B.) UTD variance Seller Comment (2025-07-22): Approval uploaded
due to missing
approval.
[Redacted] [Redacted] [Redacted] 1527 33963989 Credit Credit AUS Guideline Guideline Requirement: Investor qualifying total DTI exceeds Reviewer Comment (2025-07-22): Approval provided 07/22/2025 1 C A C A C A C A C A FL Primary Refinance - C A C A C A A A Safe Harbor Safe No
Discrepancy / debt ratio discrepancy. guideline and income updated. Exception is clear. Cash-out - QM (APOR) Harbor
Guidelines maximum of Other QM
Discrepancy [redacted]%. (APOR)
UTD variance Seller Comment (2025-07-22): Approval uploaded
due to missing
approval.
[Redacted] [Redacted] [Redacted] 1527 33964011 Compliance Compliance Federal ATR/QM Defect General QM Provision Investor Guidelines General QM: Based on the loan failing one or more DTI exceeds Reviewer Comment (2025-07-22): Approval provided 07/22/2025 1 C A C A C A C A C A FL Primary Refinance - C A C A C A A A Safe Harbor Safe No
Compliance Violation guideline components, the loan is at QM risk. guideline and income updated. Exception is clear. Cash-out - QM (APOR) Harbor
maximum of Other QM
[redacted]%. (APOR)
UTD variance Seller Comment (2025-07-22): Approval uploaded
due to missing
approval.
[Redacted] [Redacted] [Redacted] 1528 33956835 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1529 33964075 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A VA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1529 33964096 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-22): Approval provided. 07/22/2025 1 C A C A C A C A C A VA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document missing in the Exception is clear. Cash-out - QM (APOR) Harbor
file Other QM
(APOR)
Seller Comment (2025-07-22): Attached
[Redacted] [Redacted] [Redacted] 1530 33957010 Credit Income / Income Missing REO Documents are missing. - 07/22/2025 1 C A C A C A C A C A OK Primary Refinance - C B C A B B A A Non QM Non QM No
Employment Documentation Document Cash-out -
Other
[Redacted] [Redacted] [Redacted] 1530 33957013 Credit Income / Income Missing REO Documents are missing. - 07/22/2025 1 C A C A C A C A C A OK Primary Refinance - C B C A B B A A Non QM Non QM No
Employment Documentation Document Cash-out -
Other
[Redacted] [Redacted] [Redacted] 1530 33957017 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/18/2025 3 A A A A A A A A A A OK Primary Refinance - C B C A B B A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1530 33957028 Compliance Compliance State State HPML (State HPML) Oklahoma Higher-Priced Mortgage Loan [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B OK Primary Refinance - No obvious C B C A B B A A Non QM Non QM No
Compliance (APR Exceeds HPML Threshold) loan of [redacted]% or Final Disclosure APR of Cash-out - cure
[redacted]% is equal to or greater than the threshold of Other
APOR [redacted]% + [redacted]%, or [redacted]%.
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1531 33963762 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1532 33956572 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1533 33963872 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1534 33964043 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/18/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1534 33964055 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other (APOR) QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1535 33964049 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/18/2025 3 A A A A A A A A A A KY Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1535 33964052 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The most recent valuation 07/22/2025 1 C A C A C A C A C A KY Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Documentation inspection is dated prior to the most recent FEMA Cash-out - QM (APOR) Harbor
disaster. Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1536 33956809 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1537 33961281 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1538 33956481 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1539 33964048 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/20/2025 3 A A A A A A A A A A TX Primary Refinance - C B C A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1539 33964108 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The subject property is Reviewer Comment (2025-07-23): PDI provided. 07/23/2025 1 C A C A C A C A C A TX Primary Refinance - C B C A B B A A Safe Harbor Safe No
Documentation Processing Documentation located in a FEMA disaster that does not have a Exception is clear. Cash-out - QM (APOR) Harbor
declared end date. Other QM
(APOR)
Seller Comment (2025-07-23): No Damage
[Redacted] [Redacted] [Redacted] 1539 33964116 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - C B C A B B A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1539 33964117 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 50(a)(6): Acceptable 2 B B B B B B B B B B TX Primary Refinance - The C B C A B B A A Safe Harbor Safe No
Compliance Level Endorsement Not Obtained) [redacted] title insurance endorsements not obtained for Cash-out - endorsements QM (APOR) Harbor
[redacted] loan. The loan file does not evidence the Other would be QM
Title Policy includes the [redacted] T-42 endorsement or required at (APOR)
the T-42.1 endorsement. (The loan is a [redacted] the time of
Section 50 (a)(6) [redacted] loan.) original title
policy
issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1539 33964118 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (Other Debt) [redacted] Constitution Section 50(a)(6): TX 50(a)(6) 2 B B B B B B B B B B TX Primary Refinance - Confirm C B C A B B A A Safe Harbor Safe Yes
Compliance Level prohibits other debt secured by the homestead unless the Cash-out - whether QM (APOR) Harbor
purpose of additional debt is one described under TX Other additional QM
50(a)(1)-(5) or (8). Unable to determine purpose of debt on the (APOR)
additional debt secured by the homestead. subject
property is a
Texas 50(a)(6)
or 50(a)(7)
prior to
Remediating.
Notify
consumer the
accrual of
interest and
other
obligations
will be abated
so long as the
prior 50(a)(6)
or (7) is
secured by the
homestead
[Redacted] [Redacted] [Redacted] 1540 33963840 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1541 33956934 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1542 33964060 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1543 33963836 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1544 33964087 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1545 33964262 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1545 33964265 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1546 33964192 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1547 33963891 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A ME Primary Refinance - C A C A C A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1547 33963945 Credit Income / Income Income / Income documentation requirements not met. Verbal Reviewer Comment (2025-07-22): VVOE provided. 07/22/2025 1 C A C A C A C A C A ME Primary Refinance - C A C A C A A A Non QM Non QM No
Employment Documentation Employment Verification Exception is clear. Cash-out -
of Employment Other
missing for
borrower. Seller Comment (2025-07-21): VOE ATTACHED
[Redacted] [Redacted] [Redacted] 1547 33963946 Credit Income / Income Income / The verification of employment is required and - Verbal Reviewer Comment (2025-07-22): VVOE provided. 07/22/2025 1 C A C A C A C A C A ME Primary Refinance - C A C A C A A A Non QM Non QM No
Employment Documentation Employment was not found in file. Verification Exception is clear. Cash-out -
of Employment Other
missing for
borrower. Seller Comment (2025-07-21): VOE ATTACHED
[Redacted] [Redacted] [Redacted] 1547 33963978 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan The loan is Reviewer Comment (2025-07-22): VVOE provided. 07/22/2025 1 B A C A B A C A B A ME Primary Refinance - Lender to C A C A C A A A Non QM Non QM Yes
Compliance Designation of Non QM does not match Due Diligence Loan missing Verbal Exception is clear. Cash-out - provide
Designation of ATR Fail. Verification Other updated ATR/QM
of Employment status
for borrower, Seller Comment (2025-07-21): VOE UPLOADED
causing the
loan to
waterfall
through QM
Testing.
[Redacted] [Redacted] [Redacted] 1547 33963980 Compliance Compliance Federal ATR/QM Defect General Ability To Repay Provision Employment - Ability to Repay (Dodd-Frank 2014): Unable to verify The loan is Reviewer Comment (2025-07-22): VVOE provided. 07/22/2025 1 C A C A C A C A C A ME Primary Refinance - C A C A C A A A Non QM Non QM No
Compliance W-2 current Wages/W-2 employment status using reasonably missing Verbal Exception is clear. Cash-out -
reliable third-party records. Verification Other
of Employment
for borrower, Seller Comment (2025-07-21): VOE UPLOADED
causing the
loan to
waterfall
through QM
Testing.
[Redacted] [Redacted] [Redacted] 1547 33963981 Compliance Compliance Federal ATR/QM Defect Income/Asset Guideline Deficiency - ATR Impact Ability to Repay (Dodd-Frank 2014): There are guideline The loan is Reviewer Comment (2025-07-22): VVOE provided. 07/22/2025 1 C A C A C A C A C A ME Primary Refinance - C A C A C A A A Non QM Non QM No
Compliance deficiencies related to income and/or asset doc missing Verbal Exception is clear. Cash-out -
requirements which could result in a risk to the Verification Other
borrower's ability to repay. (Exception is eligible to of Employment
be regraded with compensating factors.) for borrower, Seller Comment (2025-07-21): VOE UPLOADED
causing the
loan to
waterfall
through QM
Testing.
[Redacted] [Redacted] [Redacted] 1547 33963982 Compliance Compliance Federal ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to- The loan is Reviewer Comment (2025-07-22): VVOE provided. 07/22/2025 1 A A A A A A A A A A ME Primary Refinance - C A C A C A A A Non QM Non QM No
Compliance Repay requirements not satisfied. missing Verbal Exception is clear. Cash-out -
Verification Other
of Employment
for borrower,
causing the
loan to
waterfall
through QM
Testing.
[Redacted] [Redacted] [Redacted] 1547 33963988 Compliance Compliance Federal ATR/QM Defect General Ability To Repay Provision Investor Ability to Repay (Dodd-Frank 2014): Based on the loan The loan is Reviewer Comment (2025-07-22): VVOE provided. 07/22/2025 1 C A C A C A C A C A ME Primary Refinance - C A C A C A A A Non QM Non QM No
Compliance Guidelines failing one or more guideline components, the loan is at missing Verbal Exception is clear. Cash-out -
ATR risk. Verification Other
of Employment
for borrower, Seller Comment (2025-07-21): VOE UPLOADED
causing the
loan to
waterfall
through QM
Testing.
[Redacted] [Redacted] [Redacted] 1548 33956546 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading." Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1549 33963759 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1550 33963837 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1551 33964237 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1552 33963884 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1553 33964271 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1554 33970623 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1555 33963863 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1556 33964257 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1557 33964287 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1558 33964046 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other
Grid is outside of the scope of review. This approve the
exception is for informational purposes only and client for
does not impact grading. this reduced
scope is
second lien
[Redacted] [Redacted] [Redacted] 1559 33956630 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-18): "Client acknowledges 07/18/2025 3 A A A A A A A A A A OK Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1560 33968792 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1561 33969484 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1562 33969208 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1563 33969429 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1564 33968841 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1565 33968494 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A OH Primary Refinance - C B A A C B A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1565 33968786 Compliance Compliance Federal Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: [redacted] on 07/22/2025 1 C A C A C A C A C A OH Primary Refinance - C B A A C B A A Non QM Non QM No
Compliance subject loan of [redacted]% or Final Disclosure Cash-out -
[redacted] of [redacted]% is equal to or greater than Other
the threshold of [redacted] [redacted]% + [redacted]%,
or [redacted]%. Non-Compliant Higher Priced Mortgage
Loan.
[Redacted] [Redacted] [Redacted] 1565 33968787 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank [redacted]): 07/22/2025 1 C A C A C A C A C A OH Primary Refinance - C B A A C B A A Non QM Non QM No
Compliance Mortgage Loan (Timing of Appraisal to Consumer) Creditor did not provide a copy of each valuation to Cash-out -
applicant [redacted]([redacted]) business days prior to Other
consummation.
[Redacted] [Redacted] [Redacted] 1565 33968789 Compliance Compliance State Misc. State Ohio Consumer Sales Practices Act [redacted] Consumer Sales Practices Act: Acknowledgement 2 B B B B B B B B B B OH Primary Refinance - C B A A C B A A Non QM Non QM No
Compliance Level (Acknowledgement of Receipt of Home Mortgage Loan of Receipt of Home Mortgage Loan Information Document Cash-out -
Information Document Not Received Timely) not received by borrower within [redacted]([redacted]) Other
business days of application.
[Redacted] [Redacted] [Redacted] 1566 33968673 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1567 33969831 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1568 33969023 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance loan of [redacted]% or Final Disclosure APR of Cash-out - Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. Non- (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1568 33969045 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/20/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1568 33985725 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided Timely) loans otherwise qualified for prior to closing. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1569 33987861 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1570 33969117 Compliance Compliance State Misc. State Minnesota Residential Mortgage Originator and [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level Servicer Licensing Act (Counseling Requirement) Licensing Act: Refinance of a "special mortgage" without Cash-out - Priced QM Priced
evidence that borrower received counseling on Other (APOR) QM
advisability of transaction by an authorized independent (APOR)
loan counselor.
[Redacted] [Redacted] [Redacted] 1570 33969118 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - Priced QM Priced
provided to the Borrower. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1570 33969157 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/20/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1571 34028423 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1572 33988229 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1573 33982183 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1574 33993998 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1575 33968638 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1576 33968809 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1577 33968524 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1578 33968877 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A LA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1579 33969252 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1580 33968815 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Updated as per Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated the guideline exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID correctly impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1581 34002734 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1581 34011132 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1581 34011133 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1581 34011134 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1581 34011135 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1581 34011136 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1581 34011137 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1581 34011138 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1581 34011139 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1582 33969683 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1583 33969629 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1584 33968715 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Updated as per Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated the source of exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID the document impact grading. Other QM
Grid is outside of the scope of review. This correctly (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1585 33968969 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1586 33968386 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1587 33969059 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1588 33969411 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1589 33968649 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1590 33968674 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NM Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1591 33981291 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1592 33969339 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1593 33969727 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1594 33968935 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1595 33964295 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1596 33969016 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1597 33968591 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1598 33969598 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1599 33969357 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1600 33969015 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - QM (APOR) Harbor
provided to the Borrower. Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1600 33969037 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/20/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1601 33968657 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1602 33968507 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1603 33968664 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1604 33981021 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CO Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1605 33980906 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A UT Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1606 34027788 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Investment Refinance - C A C A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1606 34027820 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A CA Investment Refinance - C A C A A A A A N/A N/A No
Documentation Processing Document not provided. Exception is clear. Cash-out -
Other
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1607 33968851 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1608 33969186 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1609 33969158 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance At the time of Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated appraisal exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID inspection is impact grading. Other (APOR) QM
Grid is outside of the scope of review. This not required (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1610 33982073 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1611 33968900 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1612 33969872 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1613 33969047 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1614 33968721 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1615 33968434 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1616 33969572 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1617 33968966 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1618 33988867 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1619 33969238 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1620 33969496 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1621 33969293 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1621 33969525 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 1622 34028792 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IL Primary Refinance - C A A A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1622 34028861 Compliance Compliance State State Defect [redacted] SB [redacted] [redacted] Predatory Lending Database Program (SB Reviewer Comment (2025-07-25): [redacted] Cert 07/25/2025 1 C A C A C A C A C A IL Primary Refinance - C A A A C A A A Safe Harbor Safe No
Compliance [redacted]) - Certificate of Compliance or Exemption not provided. Exception is clear. Cash-out - QM (APOR) Harbor
attached to mortgage for recording. Other QM
(APOR)
Seller Comment (2025-07-25): [redacted] Pred
[Redacted] [Redacted] [Redacted] 1623 33968567 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1624 33981288 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1625 33981270 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1626 33969111 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1627 33969297 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A TN Primary Refinance - C A A A C A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1627 33969632 Compliance Compliance Federal TRID Defect TRID Closing Disclosure Status Test TILA-RESPA Integrated Disclosure: Closing Disclosure not Reviewer Comment (2025-07-24): Lender provided 07/24/2025 1 C A C A C A C A C A TN Primary Refinance - C A A A C A A A Higher Higher No
Compliance provided or Closing Disclosure not provided prior to explanation for closing dates. Transaction date has Cash-out - Priced QM Priced
closing. Any applicable Federal, State or Local been updated and exception is clear. Other (APOR) QM
compliance testing is unreliable or not performed. Loan (APOR)
is subject to high cost testing.
Seller Comment (2025-07-24): Pg 180 has correct
NORTC. The first closing on 05/XX, wife's name was
misspelled so this was a total reclose. Then it
closed successfully on 05/XX. I believe that is why
you see 2 sets of docs/CD's .
Reviewer Comment (2025-07-23): SitusAMC
acknowledges that there is a signed CD dated
05/XX/2025. There is also a signed CD dated
05/XX/2025 on page 127, a signed Notes dated
05/XX/2025 on page 328, SI dated 5/XX/2025 on page
361 and RTC dated 5/XX/2025 on page 182. Lender to
provide explanation for two sets of closing
documents with different dates. Exception remains
open.
Seller Comment (2025-07-23): INVALID see page 106-
115 ICD signed
[Redacted] [Redacted] [Redacted] 1627 33969633 Compliance Compliance Federal TILA Right- Right of Rescission Timing - Receipt Date Missing Missing Final Closing Disclosure Received Date. Unable Reviewer Comment (2025-07-24): Lender provided 07/24/2025 1 C A C A C A C A C A TN Primary Refinance - TILA ROR - C A A A C A A A Higher Higher Yes
Compliance to-Cancel to determine compliance with rescission timing explanation for closing dates. Transaction date has Cash-out - Provide the Priced QM Priced
Missing, requirements. been updated and exception is clear. Other following: (APOR) QM
Incorrect, Letter of (APOR)
Incomplete Explanation,
and/or Seller Comment (2025-07-24): Pg 180 has correct Proof of
provided on NORTC. The first closing on 05/XX, wife's name was Delivery, and
the wrong misspelled so this was a total reclose. Then it Re-open
form closed successfully on 05/XX. I believe that is why Rescission
you see 2 sets of docs/CD's .
Reviewer Comment (2025-07-23): SitusAMC
acknowledges that there is a signed CD dated
05/XX/2025. There is also a signed CD dated
05/XX/2025 on page 127, a signed Notes dated
05/XX/2025 on page 328, SI dated 5/XX/2025 on page
361 and RTC dated 5/XX/2025 on page 182. Lender to
provide explanation for two sets of closing
documents with different dates. Exception remains
open.
Seller Comment (2025-07-23): INVALID see page 116-
125 Final CD signed 5-8 Closing Date
[Redacted] [Redacted] [Redacted] 1628 33969104 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1629 33969139 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1630 33968811 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1631 33988846 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1632 33981100 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1633 33969290 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1633 33969383 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - Priced QM Priced
provided to the Borrower. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1634 33994352 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1634 33994766 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other (APOR) QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1634 33994767 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 50(a)(6): Acceptable 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Higher Higher No
Compliance Level Endorsement Not Obtained) [redacted] title insurance endorsements not obtained for Cash-out - endorsements Priced QM Priced
[redacted] loan. The loan file does not evidence the Other would be (APOR) QM
Title Policy includes the [redacted] T-42 endorsement or required at (APOR)
the T-42.1 endorsement. (The loan is a [redacted] the time of
Section 50 (a)(6) [redacted] loan.) original title
policy
issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1635 33969163 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1636 33968940 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1637 33969329 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1638 33968932 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A VA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1638 33968999 Credit Income / Income Missing REO Documents are missing. - ___ Mortgage Reviewer Comment (2025-07-22): Pay history 07/22/2025 1 C A C A C A C A C A VA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Employment Documentation Document statement for provided. Exception is clear. Cash-out - QM (APOR) Harbor
investment Other QM
property - (APOR)
[redacted] is Seller Comment (2025-07-22): document provided on
not provided pages [redacted]
[Redacted] [Redacted] [Redacted] 1639 33968646 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1640 34028270 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1641 33969011 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1642 33969452 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1643 33988086 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1644 33981363 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1645 33968987 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1645 33969095 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1645 33969096 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance loan of [redacted]% or Final Disclosure APR of Cash-out - Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. Non- (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1646 33987988 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NM Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1647 33969279 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1648 33969119 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1649 33969555 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1650 33969172 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1651 33968742 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A MT Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1652 33987666 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1653 33968845 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1654 33981690 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1655 33969366 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1656 33981734 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1657 33993969 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1658 33981683 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1659 33969821 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1660 33969320 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1661 33981609 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1662 33988448 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1663 33968804 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-20): Client acknowledges 07/20/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1664 33969376 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1665 33988171 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1666 33969085 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1667 33993932 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1668 33969535 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1669 33980980 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1670 33981700 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1671 33981769 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1672 33988257 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1673 33969497 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1674 33989069 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1675 33988333 Compliance Compliance State State HPML (State HPML) Oklahoma Higher-Priced Mortgage Loan [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B OK Primary Refinance - No obvious B B A A B B A A Higher Higher No
Compliance (APR Exceeds HPML Threshold) loan of [redacted]% or Final Disclosure APR of Cash-out - cure Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1675 33988341 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A OK Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1676 33980908 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1677 34002817 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1678 33988399 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A DE Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1678 33988739 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B DE Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1678 33988740 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B DE Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1679 33969948 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A OK Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1679 33969985 Compliance Compliance State State HPML (State HPML) Oklahoma Higher-Priced Mortgage Loan [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B OK Primary Refinance - No obvious B B A A B B A A Higher Higher No
Compliance (APR Exceeds HPML Threshold) loan of [redacted]% or Final Disclosure APR of Cash-out - cure Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1680 33985869 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1681 33969748 Compliance Compliance Federal Missing Non- (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not 2 B B B B B B B B B B TX Primary Refinance - B B A A B B A A Higher Higher No
Compliance Required Data provided. Worst Case Scenario between Creditor Cash-out - Priced QM Priced
Application Date and Transaction Date used to determine Other (APOR) QM
rate used for testing. (APOR)
[Redacted] [Redacted] [Redacted] 1681 33969765 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1682 33969422 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1683 33987859 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1684 33969446 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1685 33969654 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1686 33981906 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1687 33988490 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1688 33980860 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1689 33969209 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1690 33980771 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1691 33994167 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1692 33981442 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1693 33981942 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1694 33994221 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1695 33981006 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1695 33985339 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1695 33985340 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance loan of [redacted]% or Final Disclosure APR of Cash-out - Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. Non- (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1696 33987920 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1697 33987901 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1698 33987834 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A KY Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1699 34028617 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1699 34028978 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document missing in Exception is clear. Cash-out - QM (APOR) Harbor
file. Other QM
(APOR)
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1700 33981005 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1701 33988205 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1702 33988364 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - C C A A A A C C Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1702 33993515 Property Property - Appraisal Property - Missing Document: Appraisal was made "subject to" - Borrower has SitusAMC 3 C C C C C C C C C C FL Primary Refinance - C C A A A A C C Non QM Non QM No
Appraisal Documentation Appraisal and Form 1004D/442 was not provided. been employed Cash-out -
in the same SitusAMC Other
industry for
more than 5 SitusAMC
years.
SitusAMC
Borrower has
verified
disposable
income of at
least $2500.00.
Borrower has
worked in the
same position
for more than 3
years.
The
representative
FICO score
exceeds the
guideline
minimum by at
least 40
points.
[Redacted] [Redacted] [Redacted] 1703 33982375 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NV Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1703 33982391 Credit Income / Income Missing REO Documents are missing. - ___ Tax Reviewer Comment (2025-07-22): Tax verification 07/22/2025 1 C A C A C A C A C A NV Primary Refinance - C A C A A A A A Safe Harbor Safe No
Employment Documentation Document Verification provided. Exception is clear. Cash-out - QM (APOR) Harbor
missing on Other QM
file (APOR)
Seller Comment (2025-07-22): INVALID see page
[redacted]
[Redacted] [Redacted] [Redacted] 1704 34029105 Credit Loan Package Application / Loan Package Missing Document: Missing Final 1003 Reviewer Comment (2025-07-24): Final 1003 provided. 07/24/2025 1 C A C A C A C A C A CO Primary Purchase D A D A A A A A Non QM Non QM No
Documentation Processing Documentation Exception is clear.
Seller Comment (2025-07-24): 1003 Attached
Seller Comment (2025-07-24): Attached
[Redacted] [Redacted] [Redacted] 1704 34029143 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CO Primary Purchase D A D A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading.
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1704 34030588 Credit Loan Package Closing / Missing Missing Document: Security Instrument - Subject Reviewer Comment (2025-07-24): SI provided. 07/24/2025 1 D A D A D A D A D A CO Primary Purchase D A D A A A A A Non QM Non QM No
Documentation Title Document Lien not provided Exception is clear.
Seller Comment (2025-07-24): DOT Attached
[Redacted] [Redacted] [Redacted] 1705 33987911 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1705 33988011 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other (APOR) QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1705 33988012 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 50(a)(6): Acceptable 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Higher Higher No
Compliance Level Endorsement Not Obtained) [redacted] title insurance endorsements not obtained for Cash-out - endorsements Priced QM Priced
[redacted] loan. The loan file does not evidence the Other would be (APOR) QM
Title Policy includes the [redacted] T-42 endorsement or required at (APOR)
the T-42.1 endorsement. (The loan is a [redacted] the time of
Section 50 (a)(6) [redacted] loan.) original title
policy
issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1706 33988432 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1706 33988498 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1706 33988499 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance loan of [redacted]% or Final Disclosure APR of Cash-out - Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. Non- (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1707 33988161 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1708 33987781 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1709 33988280 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1710 33968955 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1711 33994426 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1712 33987799 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1713 33988032 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1714 33988236 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1715 33988409 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1716 33969259 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1717 33987794 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1718 33981503 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1719 33981485 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1720 33994559 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID specifically impact grading. Other
Grid is outside of the scope of review. This approve the
exception is for informational purposes only and client for
does not impact grading. this reduced
scope
[Redacted] [Redacted] [Redacted] 1721 33994525 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1722 33981686 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1723 33988591 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1724 33987845 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1725 33969305 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1726 33988169 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1727 33994246 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CO Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1728 33988371 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1729 33988258 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1730 33981206 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1731 33987769 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1731 33987829 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1731 33987830 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance loan of [redacted]% or Final Disclosure APR of Cash-out - Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. Non- (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1732 33983796 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1733 33987715 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1734 33981475 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1735 33981452 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1736 33988424 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1737 33981873 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1738 33988008 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1739 33985344 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1740 33987784 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1741 33981746 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1742 34028674 Credit Loan Package Application / Missing Missing Document: Approval not provided 07/24/2025 1 C A C A C A C A C A AZ Primary Refinance - C B C A B B A A Safe Harbor Safe No
Documentation Processing Document Cash-out - QM (APOR) Harbor
Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1742 34028773 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A AZ Primary Refinance - C B C A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1742 34028847 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B AZ Primary Refinance - C B C A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1743 33969521 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1744 33987931 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1745 33988415 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1746 33994033 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1747 33994103 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1747 33994116 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-24): Approval document 07/24/2025 1 C A C A C A C A C A NJ Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document not provided provided. Cash-out - QM (APOR) Harbor
in file Other QM
(APOR)
Seller Comment (2025-07-24): Approval uploaded
[Redacted] [Redacted] [Redacted] 1748 33988273 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1748 33988450 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1749 33988495 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1750 33987768 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1751 33994118 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1752 33987842 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A TN Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1752 33987864 Credit Loan Package Application / Missing Missing Document: Approval not provided Reviewer Comment (2025-07-23): Approval provided. 07/23/2025 1 C A C A C A C A C A TN Primary Refinance - C A C A A A A A Higher Higher No
Documentation Processing Document Exception is clear. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
Seller Comment (2025-07-22): Underwriting Worksheet
[Redacted] [Redacted] [Redacted] 1753 33969544 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1754 33994365 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1755 33981854 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A KS Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1756 33982001 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1757 33982351 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1758 33988076 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1759 33981727 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WI Primary Refinance - C A C A C A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1759 33981735 Credit Income / Income Income / Income Docs Missing: - VA Reviewer Comment (2025-07-22): Verification 07/22/2025 1 C A C A C A C A C A WI Primary Refinance - C A C A C A A A Higher Higher No
Employment Documentation Employment Verification provided. Exception is clear. Cash-out - Priced QM Priced
of Benefits Other (APOR) QM
missing on (APOR)
file Seller Comment (2025-07-22): VA COB Attached
[Redacted] [Redacted] [Redacted] 1759 33981757 Compliance Compliance Federal Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan APR on subject Reviewer Comment (2025-07-22): Verification 07/22/2025 1 C A C A C A C A C A WI Primary Refinance - C A C A C A A A Higher Higher No
Compliance of [redacted]% or Final Disclosure APR of [redacted]% is loan of provided. Exception is clear. Cash-out - Priced QM Priced
equal to or greater than the threshold of APOR [redacted]% or Other (APOR) QM
[redacted]% + [redacted]%, or [redacted]%. Non- Final (APOR)
Compliant Higher Priced Mortgage Loan. Disclosure APR Seller Comment (2025-07-22): VA COB UPLOADED
of [redacted]%
is equal to or
greater than
the threshold
of APOR
[redacted]% +
[redacted]%,
or
[redacted]%.
[Redacted] [Redacted] [Redacted] 1759 33981758 Compliance Compliance Federal Federal HPML TIL Higher Priced Mortgage Loan Safe Harbor Test TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor Reviewer Comment (2025-07-22): Verification 07/22/2025 1 B A B A B A B A B A WI Primary Refinance - C A C A C A A A Higher Higher No
Compliance requirements not satisfied. provided. Exception is clear. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
Seller Comment (2025-07-22): VA COB UPLOADED
[Redacted] [Redacted] [Redacted] 1759 33981759 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal Reviewer Comment (2025-07-22): Verification 07/22/2025 1 C A C A C A C A C A WI Primary Refinance - C A C A C A A A Higher Higher No
Compliance Mortgage Loan (Appraisal - Did Not Physically not performed by a certified or licensed appraiser who provided. Exception is clear. Cash-out - Priced QM Priced
Visit) conducted a physical visit to the property. Other (APOR) QM
(APOR)
Seller Comment (2025-07-22): VA COB UPLOADED
[Redacted] [Redacted] [Redacted] 1759 33981761 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan VA Reviewer Comment (2025-07-22): Verification 07/22/2025 1 B A C A B A C A B A WI Primary Refinance - Lender to C A C A C A A A Higher Higher Yes
Compliance Designation of Higher Priced QM (APOR) does not match Verification provided. Exception is clear. Cash-out - provide Priced QM Priced
Due Diligence Loan Designation of QM (APOR) Risk. of Benefits Other updated ATR/QM (APOR) QM
missing on status (APOR)
file Seller Comment (2025-07-22): VA COB UPLOADED
[Redacted] [Redacted] [Redacted] 1759 33981762 Compliance Compliance Federal ATR/QM Defect General QM Provision Investor Guidelines General QM: Based on the loan failing one or more VA Reviewer Comment (2025-07-22): Verification 07/22/2025 1 C A C A C A C A C A WI Primary Refinance - C A C A C A A A Higher Higher No
Compliance Violation guideline components, the loan is at QM risk. Verification provided. Exception is clear. Cash-out - Priced QM Priced
of Benefits Other (APOR) QM
missing on (APOR)
file Seller Comment (2025-07-22): VA COB UPLOADED
[Redacted] [Redacted] [Redacted] 1759 33981763 Compliance Compliance Federal ATR/QM Defect Income/Asset Guideline Deficiency - QM Impact General QM: There are guideline deficiencies related to VA Reviewer Comment (2025-07-22): Verification 07/22/2025 1 C A C A C A C A C A WI Primary Refinance - C A C A C A A A Higher Higher No
Compliance income and/or asset doc requirements which could result Verification provided. Exception is clear. Cash-out - Priced QM Priced
in a risk to the borrower's ability to repay. of Benefits Other (APOR) QM
(Exception is eligible to be regraded with compensating missing on (APOR)
factors.) file Seller Comment (2025-07-22): VA COB UPLOADED
[Redacted] [Redacted] [Redacted] 1759 33981765 Credit Income / Income Income / Income documentation requirements not met. VA Reviewer Comment (2025-07-22): Verification 07/22/2025 1 C A C A C A C A C A WI Primary Refinance - C A C A C A A A Higher Higher No
Employment Documentation Employment Verification provided. Exception is clear. Cash-out - Priced QM Priced
of Benefits Other (APOR) QM
missing on (APOR)
file Seller Comment (2025-07-22): VA COB UPLOADED
[Redacted] [Redacted] [Redacted] 1760 33982124 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A ID Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1761 34028669 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A GA Primary Refinance - C A C A A A A A Higher Higher No
Documentation Processing Document document is Exception is clear. Cash-out - Priced QM Priced
missing in Other (APOR) QM
loan file. (APOR)
Seller Comment (2025-07-25): Attached
[Redacted] [Redacted] [Redacted] 1761 34028754 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A GA Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1762 33988113 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1763 34028982 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval not Reviewer Comment (2025-07-24): Approval provided. 07/24/2025 1 C A C A C A C A C A MS Investment Refinance - C A C A A A A A N/A N/A No
Documentation Processing Document provided. Exception is clear. Cash-out -
Other
Seller Comment (2025-07-24): Attached
[Redacted] [Redacted] [Redacted] 1763 34028996 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A MS Investment Refinance - C A C A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1764 33988451 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1765 33988343 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1766 33994305 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1767 34027974 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A AZ Primary Refinance - C C C C A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1767 34027992 Credit Loan Package Application / Missing Missing Document: Approval not provided Seller Comment (2025-07-28): attached 3 C C C C C C C C C C AZ Primary Refinance - C C C C A A A A Safe Harbor Safe No
Documentation Processing Document Cash-out - QM (APOR) Harbor
Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1768 34028537 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NV Primary Refinance - C B C A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1768 34028751 Credit Loan Package Application / Missing Missing Document: Approval not provided Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A NV Primary Refinance - C B C A B B A A Higher Higher No
Documentation Processing Document Exception is clear. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1768 34028808 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or Most recent 2 B B B B B B B B B B NV Primary Refinance - C B C A B B A A Higher Higher No
Compliance personal tax returns provided are not the most recent. personal tax Cash-out - Priced QM Priced
Application Date [redacted], Most Recent Tax Return End returns Other (APOR) QM
Date [redacted], Tax Return Due Date [redacted]. [redacted] is (APOR)
not provided,
causing the
loan to
waterfall
through QM
testing.
[Redacted] [Redacted] [Redacted] 1769 33988444 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1770 33994374 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1771 33988630 Compliance Compliance Federal Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan Reviewer Comment (2025-07-23): Proof of receipt 07/23/2025 1 C A C A C A C A C A IL Primary Refinance - C A A A C A A A Non QM Non QM No
Compliance of [redacted]% or Final Disclosure APR of [redacted]% is provided. Exception is clear. Cash-out -
equal to or greater than the threshold of APOR Other
[redacted]% + [redacted]%, or [redacted]%. Non-
Compliant Higher Priced Mortgage Loan.
[Redacted] [Redacted] [Redacted] 1771 33988631 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did Reviewer Comment (2025-07-23): Proof of receipt 07/23/2025 1 C A C A C A C A C A IL Primary Refinance - C A A A C A A A Non QM Non QM No
Compliance Mortgage Loan (Timing of Appraisal to Consumer) not provide a copy of each valuation to applicant provided. Exception is clear. Cash-out -
[redacted] business days prior to consummation. Other
Seller Comment (2025-07-22): delivery receipt for
appraisal
[Redacted] [Redacted] [Redacted] 1771 33988643 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A IL Primary Refinance - C A A A C A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1772 33994293 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1772 33994677 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 50(a)(6): The 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the lender/Assignee cannot conclusively rely on the Value on Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value Acknowledgement of Fair Market Value. Test performed Other QM
as the loan file does not contain an Appraisal) using stated value or other valuation method in file (APOR)
other than appraisal.
[Redacted] [Redacted] [Redacted] 1773 34028517 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A PA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1773 34028825 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A PA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document missing Exception is clear. Cash-out - QM (APOR) Harbor
Other QM
(APOR)
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1774 33994351 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1775 33996159 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1776 33981977 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1777 34003191 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1778 33988661 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1779 33988338 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1780 33994753 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A IA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1781 33994202 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1782 33994002 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1783 33988554 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A KS Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1784 33994302 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1785 33981172 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1786 33987735 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1787 34028232 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A KS Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1787 34028275 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A KS Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document not provided. Exception is clear Cash-out - QM (APOR) Harbor
Other QM
(APOR)
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1788 33982310 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1789 33981834 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1790 33988062 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1791 33994822 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1792 33981654 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1792 33981673 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1792 33981674 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: APR on subject 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance loan of [redacted]% or Final Disclosure APR of Cash-out - Priced QM Priced
[redacted]% is equal to or greater than the threshold of Other (APOR) QM
APOR [redacted]% + [redacted]%, or [redacted]%. Non- (APOR)
Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 1793 33994948 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1794 33987895 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1795 33994079 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1796 33994267 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1797 33987962 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1798 33987844 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1799 33994912 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A NV Primary Refinance - C C C C C C A A Higher QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM (APOR)
Disclosure (TRID) compliance under the SFA TRID Other (APOR) Risk
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1799 33999707 Credit Credit AUS Guideline Guideline Requirement: Investor qualifying total Reviewer Comment (2025-07-25): The variance in DTI 3 C C C C C C C C C C NV Primary Refinance - C C C C C C A A Higher QM No
Discrepancy / debt ratio discrepancy. is due to the 1st lien payment used in qualifying. Cash-out - Priced QM (APOR)
Guidelines Credit report reflects $590 however the approval Other (APOR) Risk
Discrepancy reflects $551.29. Mortgage statement or equivalent
was not provided in the file to validate the
payment reflected on the approval. Additional
information is required.
Seller Comment (2025-07-25): INVALID Approval
uploaded pg. 1 states DTI 44.99
Reviewer Comment (2025-07-24): Accurate borrower
income was used and SSI income was also grossed up.
However, the calculated DTI exceeds the allowable
guideline requirement of 45%.
Seller Comment (2025-07-23): INVALID borrowers
income is Pension $448 & S.S.I. $2351 per month
[Redacted] [Redacted] [Redacted] 1799 33999709 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did Reviewer Comment (2025-07-24): Appraisal delivery 07/24/2025 1 C A C A C A C A C A NV Primary Refinance - C C C C C C A A Higher QM No
Compliance Mortgage Loan (Timing of Appraisal to Consumer) not provide a copy of each valuation to applicant document provided. Cash-out - Priced QM (APOR)
[redacted] business days prior to consummation. Other (APOR) Risk
Seller Comment (2025-07-23): Appraisal delivery
uploaded
[Redacted] [Redacted] [Redacted] 1799 33999710 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Reviewer Comment (2025-07-25): The variance in DTI 3 B B C C B B C C B B NV Primary Refinance - Lender to C C C C C C A A Higher QM Yes
Compliance Designation of Higher Priced QM (APOR) does not match is due to the 1st lien payment used in qualifying. Cash-out - provide Priced QM (APOR)
Due Diligence Loan Designation of QM (APOR) Risk. Credit report reflects $590 however the approval Other updated ATR/QM (APOR) Risk
reflects $551.29. Mortgage statement or equivalent status
was not provided in the file to validate the
payment reflected on the approval. Additional
information is required.
Seller Comment (2025-07-25): INVALID Approval
uploaded pg. 1 states DTI 44.99
Reviewer Comment (2025-07-24): Accurate borrower
income was used and SSI income was also grossed up.
However, the calculated DTI exceeds the allowable
guideline requirement of 45%.
Seller Comment (2025-07-23): INVALID borrowers
income is Pension $448 & S.S.I. $2351 per month
[Redacted] [Redacted] [Redacted] 1799 33999711 Compliance Compliance Federal ATR/QM Defect General QM Provision Investor and QM DTIs match General QM: The DTI calculated in accordance with the Reviewer Comment (2025-07-25): The variance in DTI 3 C C C C C C C C C C NV Primary Refinance - C C C C C C A A Higher QM No
Compliance and both moderately exceed Guidelines Lenders Guidelines and 1026.43(e) of [redacted]% is due to the 1st lien payment used in qualifying. Cash-out - Priced QM (APOR)
moderately exceeds the guideline maximum of [redacted]%. Credit report reflects $590 however the approval Other (APOR) Risk
(DTI Exception is eligible to be regraded with reflects $551.29. Mortgage statement or equivalent
compensating factors.) was not provided in the file to validate the
payment reflected on the approval. Additional
information is required.
Seller Comment (2025-07-25): INVALID Approval
uploaded pg. 1 states DTI 44.99
Reviewer Comment (2025-07-24): Accurate borrower
income was used and SSI income was also grossed up.
However, the calculated DTI exceeds the allowable
guideline requirement of 45%.
Seller Comment (2025-07-23): INVALID borrowers
income is Pension $448 & S.S.I. $2351 per month
[Redacted] [Redacted] [Redacted] 1799 33999712 Compliance Compliance Federal ATR/QM Defect General QM Provision Investor Guidelines General QM: Based on the loan failing one or more Reviewer Comment (2025-07-25): The variance in DTI 3 C C C C C C C C C C NV Primary Refinance - C C C C C C A A Higher QM No
Compliance Violation guideline components, the loan is at QM risk. is due to the 1st lien payment used in qualifying. Cash-out - Priced QM (APOR)
Credit report reflects $590 however the approval Other (APOR) Risk
reflects $551.29. Mortgage statement or equivalent
was not provided in the file to validate the
payment reflected on the approval. Additional
information is required.
Seller Comment (2025-07-25): INVALID Approval
uploaded pg. 1 states DTI 44.99
Reviewer Comment (2025-07-24): Accurate borrower
income was used and SSI income was also grossed up.
However, the calculated DTI exceeds the allowable
guideline requirement of 45%.
Seller Comment (2025-07-23): INVALID borrowers
income is Pension $448 & S.S.I. $2351 per month
[Redacted] [Redacted] [Redacted] 1799 33999715 Compliance Compliance Federal Federal HPML Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan Reviewer Comment (2025-07-25): The variance in DTI 3 C C C C C C C C C C NV Primary Refinance - C C C C C C A A Higher QM No
Compliance of [redacted]% or Final Disclosure APR of [redacted]% is is due to the 1st lien payment used in qualifying. Cash-out - Priced QM (APOR)
equal to or greater than the threshold of APOR Credit report reflects $590 however the approval Other (APOR) Risk
[redacted]% + [redacted]%, or [redacted]%. Non- reflects $551.29. Mortgage statement or equivalent
Compliant Higher Priced Mortgage Loan. was not provided in the file to validate the
payment reflected on the approval. Additional
information is required.
Seller Comment (2025-07-25): INVALID Approval
uploaded pg. 1 states DTI 44.99
Reviewer Comment (2025-07-24): Accurate borrower
income was used and SSI income was also grossed up.
However, the calculated DTI exceeds the allowable
guideline requirement of 45%.
Seller Comment (2025-07-23): INVALID borrowers
income is Pension $448 & S.S.I. $2351 per month
[Redacted] [Redacted] [Redacted] 1799 33999716 Compliance Compliance Federal Federal HPML TIL Higher Priced Mortgage Loan Safe Harbor Test TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor 2 B B B B B B B B B B NV Primary Refinance - C C C C C C A A Higher QM No
Compliance requirements not satisfied. Cash-out - Priced QM (APOR)
Other (APOR) Risk
[Redacted] [Redacted] [Redacted] 1799 33999717 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal Reviewer Comment (2025-07-25): The variance in DTI 3 C C C C C C C C C C NV Primary Refinance - C C C C C C A A Higher QM No
Compliance Mortgage Loan (Appraisal - Did Not Physically not performed by a certified or licensed appraiser who is due to the 1st lien payment used in qualifying. Cash-out - Priced QM (APOR)
Visit) conducted a physical visit to the property. Credit report reflects $590 however the approval Other (APOR) Risk
reflects $551.29. Mortgage statement or equivalent
was not provided in the file to validate the
payment reflected on the approval. Additional
information is required.
Seller Comment (2025-07-25): INVALID Approval
uploaded pg. 1 states DTI 44.99
Reviewer Comment (2025-07-24): Accurate borrower
income was used and SSI income was also grossed up.
However, the calculated DTI exceeds the allowable
guideline requirement of 45%.
Seller Comment (2025-07-23): INVALID borrowers
income is Pension $448 & S.S.I. $2351 per month
[Redacted] [Redacted] [Redacted] 1800 33988288 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1801 33994724 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1802 33994019 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1803 33982362 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1804 34027998 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A PA Primary Refinance - C A C A A A A A Higher Higher No
Documentation Processing Document not provided. Exception is clear. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
Seller Comment (2025-07-25): Attached
[Redacted] [Redacted] [Redacted] 1804 34028007 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A PA Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1805 33994168 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A TN Investment Refinance - C A C A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1805 34002945 Credit Loan Package Application / Missing Missing Document: Approval not provided Reviewer Comment (2025-07-23): Approval provided. 07/23/2025 1 C A C A C A C A C A TN Investment Refinance - C A C A A A A A N/A N/A No
Documentation Processing Document Exception is clear. Cash-out -
Other
Seller Comment (2025-07-23): Underwriting worksheet
[Redacted] [Redacted] [Redacted] 1806 34002550 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1807 34028229 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NC Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1807 34028267 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval is Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A NC Primary Refinance - C A C A A A A A Higher Higher No
Documentation Processing Document missing Exception is clear. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
Seller Comment (2025-07-25): Attached
[Redacted] [Redacted] [Redacted] 1808 33994115 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1809 33994576 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1810 33987856 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/21/2025 3 A A A A A A A A A A FL Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1810 33987899 Compliance Compliance Federal Missing Notice of Special Flood Hazard Disclosure Not FDPA Notification Rule: Creditor did not provide a 2 B B B B B B B B B B FL Primary Refinance - B B A A B B A A Higher Higher No
Compliance Disclosure Provided Timely Notice of Special Flood Hazard Disclosure within a Cash-out - Priced QM Priced
reasonable time prior to closing. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1811 34028766 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - C A C A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1811 34028790 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval not Reviewer Comment (2025-07-24): Approval provided. 07/24/2025 1 C A C A C A C A C A VA Primary Refinance - C A C A A A A A Non QM Non QM No
Documentation Processing Document provided. Exception is clear. Cash-out -
Other
Seller Comment (2025-07-24): Attached
[Redacted] [Redacted] [Redacted] 1812 33995080 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1813 33994606 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1814 33994763 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1815 33995643 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope is
second lien
[Redacted] [Redacted] [Redacted] 1816 33994031 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1817 33995682 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1818 34028920 Credit Loan Package Application / Missing Missing Document: Approval not provided Final Loan Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document Approval is Exception is clear. Cash-out - QM (APOR) Harbor
missing. Other QM
(APOR)
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1818 34028952 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1819 33987873 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-21): Client acknowledges 07/21/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1820 34028642 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A GA Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1820 34028650 Credit Loan Package Application / Missing Missing Document: Approval not provided Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A GA Primary Refinance - C A C A A A A A Higher Higher No
Documentation Processing Document Exception is clear. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1821 33995119 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1822 34029285 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - C A C A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1822 34029305 Credit Loan Package Application / Missing Missing Document: Approval not provided Provide Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A FL Primary Refinance - C A C A A A A A Non QM Non QM No
Documentation Processing Document approval Exception is clear. Cash-out -
document. Other
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1823 33995047 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A WY Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1824 33994571 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1825 33993955 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A IA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1826 33994075 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1827 33994942 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1827 33995123 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 1828 33994284 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1829 33994698 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MT Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1830 34002025 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/22/2025 3 A A A A A A A A A A NM Primary Refinance - B B A A B B A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1830 34002077 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank [redacted]): 2 B B B B B B B B B B NM Primary Refinance - B B A A B B A A Non QM Non QM No
Compliance Mortgage Loan (Timing of Appraisal to Consumer) Creditor did not provide a copy of revised valuation to Cash-out -
applicant [redacted] ([redacted]) business days prior to Other
consummation.
[Redacted] [Redacted] [Redacted] 1831 33994475 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1832 34002597 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1833 33995281 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1834 33994206 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1835 33994175 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1836 34002913 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1837 33994207 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A KS Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1838 33996346 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1839 33995863 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NM Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1840 33993929 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1841 33995673 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope
[Redacted] [Redacted] [Redacted] 1842 34002678 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1843 34016046 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1844 33995280 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1845 33994840 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1846 33995642 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1847 34002990 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section [redacted] 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the ([redacted])([redacted]): The lender/Assignee cannot Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value conclusively rely on the Value on Acknowledgement of Other QM
as the loan file does not contain an Appraisal) Fair Market Value. Test performed using stated value or (APOR)
other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 1847 34002992 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section [redacted] 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Safe Harbor Safe No
Compliance Level Endorsement Not Obtained) ([redacted])([redacted]): Acceptable [redacted] title Cash-out - endorsements QM (APOR) Harbor
insurance endorsements not obtained for home equity Other would be QM
loan. The loan file does not evidence the Title Policy required at (APOR)
includes the [redacted] [redacted] endorsement or the the time of
[redacted] endorsement. (The loan is a [redacted] original title
Section [redacted] ([redacted])([redacted]) home equity policy
loan.) issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 1847 34003041 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/22/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1848 34002078 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1849 34002120 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1850 33995586 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A ID Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1851 33995791 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1852 33994515 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1853 33994552 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1854 33994827 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1855 33994978 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1856 33994664 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1857 33995152 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1858 34002629 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1859 34001928 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1860 34011609 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1861 34002316 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1862 33995352 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1863 33995285 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1864 33994625 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1865 33994733 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1866 33996280 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1867 33994873 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1868 33995092 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1869 33994852 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1870 33995221 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope is
second lien.
[Redacted] [Redacted] [Redacted] 1871 34002538 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1872 34011793 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1873 33994639 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1874 33994689 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A OK Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1875 33994786 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1876 34002435 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1877 34002676 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1878 33994976 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A KY Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1879 34002826 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1880 34001899 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1881 34028220 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1881 34028303 Credit Loan Package Application / Missing Missing Document: Approval not provided Loan Approval Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document was not Exception is clear. Cash-out - QM (APOR) Harbor
provided in Other QM
the file. (APOR)
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1882 34011991 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1883 33995394 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1884 33996138 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope.
[Redacted] [Redacted] [Redacted] 1885 34003144 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1886 34002601 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1887 34001957 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1888 34002245 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1889 34002545 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1890 33994781 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1891 34002196 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A ID Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1892 34002878 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1893 34016479 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1894 34011709 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1895 34012128 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1896 34002171 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1897 33995998 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1898 33995235 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1899 33996382 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1900 34002771 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1901 33996023 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope is
second lien
[Redacted] [Redacted] [Redacted] 1902 34003391 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1903 33995111 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1904 34002926 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1905 34002940 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A CT Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1905 34022540 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CT Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1906 34003869 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1907 34002252 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/22/2025 3 A A A A A A A A A A OH Primary Refinance - C B A A C B A A Higher Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Harbor
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1907 34002337 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank [redacted]): Originator 07/24/2025 1 B A C A B A C A B A OH Primary Refinance - Lender to C B A A C B A A Higher Safe Yes
Compliance Loan Designation of Higher Priced QM ([redacted]) does Cash-out - provide Priced QM Harbor
not match Due Diligence Loan Designation of Safe Harbor Other updated ATR/QM (APOR) QM
QM ([redacted]). status (APOR)
[Redacted] [Redacted] [Redacted] 1907 34034156 Compliance Compliance Federal ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2 A B B B A OH Primary Refinance - C B A A C B A A Higher Safe No
Compliance [redacted]): The initial Loan Designation provided did Cash-out - Priced QM Harbor
not match, however, the updated Loan Designation of Safe Other (APOR) QM
Harbor QM ([redacted]) matches the Due Diligence Loan (APOR)
Designation of Safe Harbor QM ([redacted]).
[Redacted] [Redacted] [Redacted] 1908 34002983 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1909 34002912 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1910 33996005 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1911 34028959 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1912 34003261 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1913 34011330 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1914 34012555 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - C B C A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1914 34012645 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B NJ Primary Refinance - C B C A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1914 34012656 Credit Income / Income Income / The verification of employment is required and - 07/24/2025 1 C A C A C A C A C A NJ Primary Refinance - C B C A B B A A Safe Harbor Safe No
Employment Documentation Employment was not found in file. Cash-out - QM (APOR) Harbor
Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1914 34012657 Credit Income / Income Income / Verification(s) of employment is not within 10 - 07/24/2025 1 C A C A C A C A C A NJ Primary Refinance - C B C A B B A A Safe Harbor Safe No
Employment Documentation Employment business days of the Note. Cash-out - QM (APOR) Harbor
Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 1915 34003336 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1916 34003146 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1917 34003275 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1918 34011430 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1919 34003244 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1920 33996293 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A VT Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1921 34011569 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1921 34017067 Credit Loan Package Closing / Loan Package Title search shows negative impact on title. Termination or Reviewer Comment (2025-07-24): Notice of 07/24/2025 1 C A C A C A C A C A FL Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Title Documentation release of Commencement provided. Exception is clear. Cash-out - QM (APOR) Harbor
Notice of Other QM
Commencement (APOR)
is required Seller Comment (2025-07-24): INVALID - Title show
for entities Notice if Commencements Terminated/released
[redacted]on
title.
[Redacted] [Redacted] [Redacted] 1922 34011398 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1923 34003204 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Updated as per Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated the guideline exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID correctly. purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1924 34002716 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1925 34003318 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A MA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1926 34002656 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1927 34012316 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1927 34012393 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B FL Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1928 34002124 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1929 34012449 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1930 34011941 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1931 34002776 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1932 34012125 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1933 34012197 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1934 34012077 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1935 34002623 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1936 34028223 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1937 34011956 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1938 34002904 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1939 34012447 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1940 34011855 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1941 34016178 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A WA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1941 34016288 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B WA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 1942 34002442 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1943 34012203 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1944 34011550 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1945 34028612 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1946 34002445 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1947 34012176 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1948 34002901 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1949 34003124 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1950 34012335 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1951 34012183 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1952 34011510 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1953 34003098 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1954 34003322 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1955 34012904 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A LA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1956 34011767 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1957 34002704 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1958 34002962 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1958 34003023 Credit Loan Package Application / Missing Missing Document: Approval not provided Reviewer Comment (2025-07-23): Approval provided. 07/23/2025 1 C A C A C A C A C A CA Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document Exception is clear. Cash-out - QM (APOR) Harbor
Other QM
(APOR)
Seller Comment (2025-07-23): Approval
[Redacted] [Redacted] [Redacted] 1959 34028200 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A MI Primary Refinance - C A C A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1959 34028215 Credit Loan Package Application / Missing Missing Document: Approval not provided Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A MI Primary Refinance - C A C A A A A A Higher Higher No
Documentation Processing Document Exception is clear. Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
Seller Comment (2025-07-25): Approval uploaded
[Redacted] [Redacted] [Redacted] 1960 34011592 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1961 34011461 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1962 34003478 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1963 34003414 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1964 34002757 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1965 34011462 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1966 34012969 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1967 34011839 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A LA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1968 34012407 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1969 34016011 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1970 34003104 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1971 34016629 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1972 34012042 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1973 34012617 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1974 34002549 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1975 34011490 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1976 34003547 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-22): Client acknowledges 07/22/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1977 34012830 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1978 34028051 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1978 34028141 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other (APOR) QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 1979 34011329 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1980 34011761 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1981 34011973 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1982 34011375 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section [redacted] 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the ([redacted])([redacted]): The lender/Assignee cannot Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value conclusively rely on the Value on Acknowledgement of Other QM
as the loan file does not contain an Appraisal) Fair Market Value. Test performed using stated value or (APOR)
other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 1982 34011413 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1983 34011474 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1984 34011889 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1984 34011936 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 1985 34012267 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1986 34011984 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1987 34011512 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1988 34016362 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1989 34011766 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1990 34012230 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A LA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 1991 34016409 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1992 34011968 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CO Primary Refinance - D A D A C A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1992 34012007 Credit Credit Credit Missing Missing Document: Credit Report not provided Credit report Reviewer Comment (2025-07-24): Credit report 07/24/2025 1 D A D A D A D A D A CO Primary Refinance - D A D A C A A A Safe Harbor Safe No
Documentation Document is missing for provided. Exception is clear. Cash-out - QM (APOR) Harbor
Borrower Other QM
[redacted]. (APOR)
Seller Comment (2025-07-24): Attached
[Redacted] [Redacted] [Redacted] 1992 34012208 Credit Credit AUS Guideline AUS/Guideline Findings: All conditions were not Credit report Reviewer Comment (2025-07-24): Credit report 07/24/2025 1 C A C A C A C A C A CO Primary Refinance - D A D A C A A A Safe Harbor Safe No
Discrepancy / met is missing for provided. Exception is clear. Cash-out - QM (APOR) Harbor
Guidelines Borrower Other QM
Discrepancy [redacted]. (APOR)
Seller Comment (2025-07-24): Credit report uploaded
for review
[Redacted] [Redacted] [Redacted] 1992 34012236 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Loan Reviewer Comment (2025-07-24): Credit report 07/24/2025 1 B A C A B A C A B A CO Primary Refinance - Lender to D A D A C A A A Safe Harbor Safe Yes
Compliance Designation of Safe Harbor QM (APOR) does not match Due Designation provided. Exception is clear. Cash-out - provide QM (APOR) Harbor
Diligence Loan Designation of QM (APOR) Fail. discrepancy Other updated ATR/QM QM
due to credit status (APOR)
report missing Seller Comment (2025-07-24): Credit report uploaded
for Borrower for review
[redacted]
causing the
loan to
waterfall.
[Redacted] [Redacted] [Redacted] 1992 34012237 Compliance Compliance Federal ATR/QM Defect QM Required Credit Report Not Provided to Qualified Mortgage (Dodd-Frank 2014): The loan file does Credit report Reviewer Comment (2025-07-24): Credit report 07/24/2025 1 C A C A C A C A C A CO Primary Refinance - D A D A C A A A Safe Harbor Safe No
Compliance Evidence Debts not contain a Credit report to evidence the consumers is missing for provided. Exception is clear. Cash-out - QM (APOR) Harbor
outstanding liabilities. Borrower Other QM
[redacted]. (APOR)
Seller Comment (2025-07-24): Credit report uploaded
for review
[Redacted] [Redacted] [Redacted] 1993 34011696 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1993 34011779 Compliance Compliance State State Defect Maryland Ability to Repay Not Verified [redacted] [redacted]: File does not contain evidence 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance that analysis of borrower's ability to repay was Cash-out - QM (APOR) Harbor
performed based on verified income, obligations, assets, Other QM
and/or employment using PITI payment based on fully (APOR)
indexed rate, if applicable.
[Redacted] [Redacted] [Redacted] 1994 34017379 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval Reviewer Comment (2025-07-24): Approval provided. 07/24/2025 1 C A C A C A C A C A AZ Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Document document is Exception is clear. Cash-out - QM (APOR) Harbor
missing in Other QM
file. (APOR)
Seller Comment (2025-07-24): attached
[Redacted] [Redacted] [Redacted] 1994 34017953 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 1995 34012622 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1996 34012124 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - C C C C A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1996 34012178 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The subject property is Reviewer Comment (2025-07-28): Client to address. 3 C C C C C C C C C C TX Primary Refinance - C C C C A A A A Higher Higher No
Documentation Processing Documentation located in a FEMA disaster that does not have a Cash-out - Priced QM Priced
declared end date. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 1996 34012361 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - C C C C A A A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other (APOR) QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 1997 34012512 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1998 34012021 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A MA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 1999 34012126 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2000 34012246 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scop as second
lien
[Redacted] [Redacted] [Redacted] 2001 34012281 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2002 34016125 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2003 34011760 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2004 34011615 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2005 34011854 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope
[Redacted] [Redacted] [Redacted] 2006 34012664 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2007 34011875 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A KS Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2008 34015797 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2009 34012651 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2010 34012371 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2011 34012091 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2012 34015616 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2013 34016250 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2014 34012819 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A KS Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2015 34012315 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2016 34012636 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - C C C C A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2016 34019920 Credit Loan Package Closing / Loan Package Title search shows negative impact on title. 3 C C C C C C C C C C FL Primary Refinance - C C C C A A A A Higher Higher No
Documentation Title Documentation Cash-out - Priced QM Priced
Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 2017 34012067 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2018 34012880 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This for (APOR)
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 2019 34012051 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance This profile Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A MD Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated contains a exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID reduced scope purposes only and does not impact grading. Other
Grid is outside of the scope of review. This for
exception is for informational purposes only and subordinate
does not impact grading. liens.
[Redacted] [Redacted] [Redacted] 2020 34015743 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2020 34015799 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2021 34016223 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A ME Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2022 34015905 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2023 34012734 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NM Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope is
second lien
[Redacted] [Redacted] [Redacted] 2024 34012930 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2025 34011665 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2026 34011805 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2026 34011920 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 2026 34011921 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: [redacted] on 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance subject loan of [redacted]% or Final Disclosure Cash-out - Priced QM Priced
[redacted] of [redacted]% is equal to or greater than Other (APOR) QM
the threshold of [redacted] [redacted]% + [redacted]%, (APOR)
or [redacted]%. Non-Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 2027 34016524 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2028 34011705 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2029 34015752 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2030 34012771 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2031 34012330 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2032 34012934 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope is
second lien
[Redacted] [Redacted] [Redacted] 2033 34016214 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2034 34016669 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2035 34015710 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2036 34015912 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2037 34012089 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope
[Redacted] [Redacted] [Redacted] 2038 34016302 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2039 34012648 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A LA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 2040 34017025 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2041 34012738 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2042 34016947 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2043 34011501 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2044 34028347 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2045 34015678 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2046 34011734 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2047 34016008 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2048 34016786 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2049 34027954 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2050 34012713 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - C A C A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2050 34012722 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The subject property is 07/25/2025 1 C A C A C A C A C A TX Primary Refinance - C A C A A A A A Safe Harbor Safe No
Documentation Processing Documentation located in a FEMA disaster that does not have a Cash-out - QM (APOR) Harbor
declared end date. Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 2050 34012867 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - C A C A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2051 34015809 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2052 34015923 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2053 34015794 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2053 34015893 Compliance Compliance State Misc. State Maryland Mortgage Lending Regulations (Disclosure [redacted] Mortgage Lending Regulations: Borrower did 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level of Taxes and Insurance Not Provided) not receive disclosure on responsibility for payment of Cash-out - Priced QM Priced
taxes and insurance. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 2054 34011862 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A RI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2055 34028197 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): "Client acknowledges 07/24/2025 3 A A A A A A A A A A NC Second Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Home Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2056 34015983 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2057 34015884 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2058 34015785 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2059 34015817 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A OK Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2059 34015878 Compliance Compliance State State HPML (State HPML) Oklahoma Higher-Priced Mortgage Loan [redacted] Higher-Priced Mortgage Loan: [redacted] on 2 B B B B B B B B B B OK Primary Refinance - No obvious B B A A B B A A Higher Higher No
Compliance (APR Exceeds HPML Threshold) subject loan of [redacted]% or Final Disclosure Cash-out - cure Priced QM Priced
[redacted] of [redacted]% is equal to or greater than Other (APOR) QM
the threshold of [redacted] [redacted]% + [redacted]%, (APOR)
or [redacted]%. Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 2060 34012482 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2061 34011796 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2062 34016090 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2063 34016958 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2064 34016098 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2065 34012414 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2066 34012145 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2067 34028626 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2068 34016062 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NC Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2069 34012386 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2070 34011961 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2071 34016218 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2072 34012873 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2073 34016039 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2074 34016263 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2075 34023438 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2076 34016410 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2077 34015954 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2078 34012720 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2079 34023868 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2080 34012806 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2081 34012187 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2082 34016781 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2083 34027832 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2084 34016877 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2085 34016766 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2086 34017003 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2087 34016597 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2088 34016196 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2089 34016081 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2090 34012461 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2091 34012542 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2092 34016145 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2093 34015707 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A UT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2094 34015833 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2095 34024556 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2096 34024647 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2097 34023487 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2098 34016118 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2099 34016099 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2100 34028932 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): "Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading." Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2101 34012902 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope.
[Redacted] [Redacted] [Redacted] 2102 34023910 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NJ Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2103 34015941 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2104 34024163 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2105 34023464 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2106 34016442 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2107 34015874 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2108 34024391 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2109 34027890 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2110 34015897 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2111 34015850 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2111 34015970 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2111 34021536 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Safe Harbor Safe No
Compliance Level Endorsement Not Obtained) [redacted]([redacted])([redacted]): Acceptable Cash-out - endorsements QM (APOR) Harbor
[redacted] title insurance endorsements not obtained for Other would be QM
home equity loan. The loan file does not evidence the required at (APOR)
Title Policy includes the [redacted] [redacted] the time of
endorsement or the [redacted] endorsement. (The loan is original title
a [redacted] Section [redacted]([redacted])([redacted]) policy
home equity loan.) issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 2112 34028797 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2113 34023583 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2114 34016874 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2115 34023802 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2116 34016020 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2117 34028365 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Updated as per Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated the source of exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID the document purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This correctly. (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2118 34023654 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2119 34016209 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2120 34024129 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2121 34017004 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2122 34015935 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TN Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2122 34016029 Compliance Compliance Federal Missing Non- (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not 2 B B B B B B B B B B TN Primary Refinance - B B A A B B A A Higher Higher No
Compliance Required Data provided. Worst Case Scenario between Creditor Cash-out - Priced QM Priced
Application Date and Transaction Date used to determine Other (APOR) QM
rate used for testing. (APOR)
[Redacted] [Redacted] [Redacted] 2123 34023149 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2124 34015962 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A DE Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2125 34016276 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2126 34016073 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2127 34016600 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (T-42 [redacted] Constitution Section 2 B B B B B B B B B B TX Primary Refinance - The B B A A B B A A Safe Harbor Safe No
Compliance Level Endorsement Not Obtained) [redacted]([redacted])([redacted]): Acceptable Cash-out - endorsements QM (APOR) Harbor
[redacted] title insurance endorsements not obtained for Other would be QM
home equity loan. The loan file does not evidence the required at (APOR)
Title Policy includes the [redacted] [redacted] the time of
endorsement or the [redacted] endorsement. (The loan is original title
a [redacted] Section [redacted]([redacted])([redacted]) policy
home equity loan.) issuance,
there is not
an obvious
remediation
[Redacted] [Redacted] [Redacted] 2127 34016612 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2127 34016648 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/23/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2128 34023886 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2129 34016549 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A MS Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2130 34015909 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2131 34016168 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2132 34023825 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2133 34023421 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A MI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2134 34024195 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A PA Primary Refinance - B B A A B B A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2134 34024218 Compliance Compliance Federal Federal HPML (Fed HPML Provision) Federal Higher-Priced TILA HPML Appraisal Rule (Dodd-Frank [redacted]): 2 B B B B B B B B B B PA Primary Refinance - B B A A B B A A Non QM Non QM No
Compliance Mortgage Loan (Timing of Appraisal to Consumer) Creditor did not provide a copy of revised valuation to Cash-out -
applicant [redacted] ([redacted]) business days prior to Other
consummation.
[Redacted] [Redacted] [Redacted] 2135 34024862 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2136 34023486 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2137 34024015 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2138 34027699 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2138 34029661 Compliance Compliance Federal TILA Right- TILA - Incorrect Right To Cancel Form Used - H-8 Truth in Lending Act: Notice of Right to Cancel was not 2 B B B B B B B B B B CA Primary Refinance - TILA ROR - B B A A B B A A Safe Harbor Safe Yes
Compliance to-Cancel Used on Same Lender Refinance (Circuit 2, 5, 7, executed on the proper Model Form for a refinancing by Cash-out - Provide the QM (APOR) Harbor
Missing, 8, 9, 10 or DC) the same creditor. The [redacted] form was used, the Other following: QM
Incorrect, [redacted] form should have been used. Letter of (APOR)
Incomplete Explanation,
and/or Proof of
provided on Delivery, and
the wrong Re-open
form Rescission
using the
correct model
form
[Redacted] [Redacted] [Redacted] 2139 34015836 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out -
Disclosure (TRID) compliance under the SFA TRID impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2140 34027854 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2140 34027959 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Higher Higher No
Compliance personal tax returns provided are not the most recent. Cash-out - Priced QM Priced
Application Date [redacted], Most Recent Tax Return End Other (APOR) QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 2141 34024365 Compliance Compliance State Misc. State Nebraska Mortgage Bankers Registration and [redacted] Mortgage Bankers Registration and Licensing 2 B B B B B B B B B B NE Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance Level Licensing Act (Broker Notice Not Provided) Act: Mortgage broker has received compensation from the Cash-out - QM (APOR) Harbor
borrower without providing a written agreement to the Other QM
borrower. (APOR)
[Redacted] [Redacted] [Redacted] 2141 34024382 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A NE Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2142 34016016 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2143 34024571 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2144 34024327 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A MN Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2144 34024546 Compliance Compliance State Misc. State Minnesota Residential Mortgage Originator and [redacted] Residential Originator and Servicer Licensing 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level Servicer Licensing Act - Financed Points and Fees Act: Financed Fees on subject loan in excess of Cash-out - Priced QM Priced
Exceeds 5% Threshold [redacted]% of Total Loan Amount. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 2144 34024548 Compliance Compliance State Misc. State Minnesota Tangible Net Benefit Disclosure [redacted] Residential Mortgage Originator and Servicer 2 B B B B B B B B B B MN Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level Licensing Act: Tangible Net Benefit Disclosure not Cash-out - Priced QM Priced
provided to the Borrower. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 2145 34023732 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A AR Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2146 34023967 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2147 34024819 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2148 34023965 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2149 34024302 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2150 34027326 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A AZ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2151 34024120 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2151 34024295 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other (APOR) QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2152 34029282 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2153 34023749 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A AL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2154 34015819 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2155 34023617 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A AR Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2156 34023976 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2157 34024245 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2158 34024133 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2159 34024189 Credit Loan Package Application / Insurance Missing Document: Flood Certificate not provided Flood Reviewer Comment (2025-07-25): Flood cert provided. 07/25/2025 1 C A C A C A C A C A OR Primary Refinance - C A C A B A A A Higher Higher No
Documentation Processing Certificate Exception is clear. Cash-out - Priced QM Priced
misisng on Other (APOR) QM
file (APOR)
Seller Comment (2025-07-25): Attached
Reviewer Comment (2025-07-24): Received Fraud
Report. Please provide Flood Certificate.
Seller Comment (2025-07-24): Flood Attached
[Redacted] [Redacted] [Redacted] 2159 34024220 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A OR Primary Refinance - C A C A B A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2159 34024308 Compliance Compliance Federal Missing Non- (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Flood cert Reviewer Comment (2025-07-25): Flood cert provided. 07/25/2025 1 B A B A B A B A B A OR Primary Refinance - C A C A B A A A Higher Higher No
Compliance Required Data Special Flood Hazard Zone indicator was not provided. missing Exception is clear. Cash-out - Priced QM Priced
The applicable flood zone related testing cannot be Other (APOR) QM
performed. (APOR)
Seller Comment (2025-07-25): Flood Cert uploaded
[Redacted] [Redacted] [Redacted] 2160 34016259 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2161 34023433 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2162 34023550 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2163 34024008 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A ME Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2164 34028776 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2165 34024646 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2166 34016085 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2167 34024671 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A LA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2168 34024108 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2169 34024892 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2170 34023746 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2171 34023941 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2171 34030121 Compliance Compliance Federal TILA Right- TILA - Incorrect Right To Cancel Form Used - H-8 Truth in Lending Act: Notice of Right to Cancel was not 2 B B B B B B B B B B CA Primary Refinance - TILA ROR - B B A A B B A A Safe Harbor Safe Yes
Compliance to-Cancel Used on Same Lender Refinance (Circuit 2, 5, 7, executed on the proper Model Form for a refinancing by Cash-out - Provide the QM (APOR) Harbor
Missing, 8, 9, 10 or DC) the same creditor. The [redacted] form was used, the Other following: QM
Incorrect, [redacted] form should have been used. Letter of (APOR)
Incomplete Explanation,
and/or Proof of
provided on Delivery, and
the wrong Re-open
form Rescission
using the
correct model
form
[Redacted] [Redacted] [Redacted] 2172 34023993 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CT Investment Refinance - C A C A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2172 34024113 Credit Loan Package Application / Missing Missing Document: Approval not provided Approval Reviewer Comment (2025-07-25): Approval provided. 07/25/2025 1 C A C A C A C A C A CT Investment Refinance - C A C A A A A A N/A N/A No
Documentation Processing Document provided in Exception is clear. Cash-out -
the file is Other
incomplete the
loan amount is Seller Comment (2025-07-25): APPROVAL UPLOADED
incorrect.
Reviewer Comment (2025-07-24): Previously provided
approval received however this does not have the
correct loan terms. Please provide approval with
correct loan amount.
Seller Comment (2025-07-24): Underwriting worksheet
[Redacted] [Redacted] [Redacted] 2173 34024197 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2174 34028090 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2175 34023689 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A WA Investment Refinance - A A A A A A A A N/A N/A No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2176 34023727 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2176 34023894 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other (APOR) QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2177 34016367 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2178 34028664 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2179 34023978 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2180 34027482 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other (APOR) QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2180 34027537 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2181 34028119 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2182 34024439 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2183 34023298 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-23): Client acknowledges 07/23/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception, which is informational only and does not Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2184 34028408 Credit Income / Income Income / Income Docs Missing: - Provide VVOE Reviewer Comment (2025-07-25): VVOE provided. 07/25/2025 1 C A C A C A C A C A MA Primary Refinance - C B C A C B A A Safe Harbor Safe No
Employment Documentation Employment for the Exception is clear. Cash-out - QM (APOR) Harbor
employer Other QM
[redacted] (APOR)
Probation Seller Comment (2025-07-25): VOE screen uploaded
Services.
[Redacted] [Redacted] [Redacted] 2184 34028413 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A MA Primary Refinance - C B C A C B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2184 34028448 Compliance Compliance Federal ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank [redacted]): Originator Provide VVOE Reviewer Comment (2025-07-25): VVOE provided. 07/25/2025 1 B A C A B A C A B A MA Primary Refinance - Lender to C B C A C B A A Safe Harbor Safe Yes
Compliance Loan Designation of Safe Harbor QM ([redacted]) does not for the Exception is clear. Cash-out - provide QM (APOR) Harbor
match Due Diligence Loan Designation of QM ([redacted]) employer Other updated ATR/QM QM
Risk. [redacted] status (APOR)
Probation Seller Comment (2025-07-25): VOE screen uploaded
Services.
[Redacted] [Redacted] [Redacted] 2184 34028449 Compliance Compliance Federal ATR/QM Defect General QM Provision Investor Guidelines General QM: Based on the loan failing [redacted] or more Missing VVOE. Reviewer Comment (2025-07-25): VVOE provided. 07/25/2025 1 C A C A C A C A C A MA Primary Refinance - C B C A C B A A Safe Harbor Safe No
Compliance Violation guideline components, the loan is at QM risk. Exception is clear. Cash-out - QM (APOR) Harbor
Other QM
(APOR)
Seller Comment (2025-07-25): VOE screen uploaded
[Redacted] [Redacted] [Redacted] 2184 34028450 Compliance Compliance State Misc. State Massachusetts Mortgage Lender and Broker [redacted] Mortgage Lender and Broker Regulation: File Provide VVOE 2 B B B B B B B B B B MA Primary Refinance - C B C A C B A A Safe Harbor Safe No
Compliance Level Regulation (Ability to Repay not Verified) does not contain evidence that analysis of borrower's for the Cash-out - QM (APOR) Harbor
ability to repay was performed based on verified income, employer Other QM
obligations, assets, and/or employment using PITI [redacted] (APOR)
payment based on fully indexed rate and fully amortizing Probation
payment, if applicable Services.
[Redacted] [Redacted] [Redacted] 2184 34028470 Credit Income / Income Income / Verification(s) of employment is not within - Provide VVOE Reviewer Comment (2025-07-25): VVOE provided. 07/25/2025 1 C A C A C A C A C A MA Primary Refinance - C B C A C B A A Safe Harbor Safe No
Employment Documentation Employment [redacted] business days of the Note. for the Exception is clear. Cash-out - QM (APOR) Harbor
employer Other QM
[redacted] (APOR)
Probation Seller Comment (2025-07-25): VOE screen uploaded
Services.
[Redacted] [Redacted] [Redacted] 2185 34024446 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2185 34024582 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section [redacted] 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the ([redacted])([redacted]): The lender/Assignee cannot Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value conclusively rely on the Value on Acknowledgement of Other QM
as the loan file does not contain an Appraisal) Fair Market Value. Test performed using stated value or (APOR)
other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2186 34024259 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2187 34029057 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2188 34024824 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A OR Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2188 34024847 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B OR Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 2189 34024826 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2189 34024834 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2190 34027905 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A WI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2191 34023548 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2192 34023920 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2193 34024004 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2193 34033010 Compliance Compliance Federal ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or 2 B B B B B B B B B B CA Primary Refinance - B B A A B B A A Safe Harbor Safe No
Compliance personal tax returns provided are not the most recent. Cash-out - QM (APOR) Harbor
Application Date [redacted], Most Recent Tax Return End Other QM
Date [redacted], Tax Return Due Date [redacted]. (APOR)
[Redacted] [Redacted] [Redacted] 2194 34028894 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A SC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2195 34023715 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A GA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2196 34028514 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2196 34028613 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other (APOR) QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2197 34027447 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2198 34024495 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2199 34023891 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2200 34028935 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2201 34027987 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2202 34024857 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2203 34028385 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2204 34028559 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A MO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2205 34023762 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client elects to 07/24/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated waive and downgrade with compensating factors. Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2206 34028402 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2207 34023407 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section [redacted] 2 A A A A A A A A A A TX Primary Refinance - C C C C A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the ([redacted])([redacted]): The lender/Assignee cannot Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value conclusively rely on the Value on Acknowledgement of Other QM
as the loan file does not contain an Appraisal) Fair Market Value. Test performed using stated value or (APOR)
other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2207 34023424 Credit Loan Package Application / Loan Package FEMA Disaster Issue: The subject property is 3 C C C C C C C C C C TX Primary Refinance - C C C C A A A A Safe Harbor Safe No
Documentation Processing Documentation located in a FEMA disaster that does not have a Cash-out - QM (APOR) Harbor
declared end date. Other QM
(APOR)
[Redacted] [Redacted] [Redacted] 2207 34023428 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - C C C C A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2208 34024166 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2209 34024149 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2210 34027350 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2211 34028838 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A MD Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2212 34027836 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2213 34027639 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2214 34028623 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2215 34028241 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2216 34028410 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2217 34027426 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 2217 34027427 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: [redacted] on 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance subject loan of [redacted]% or Final Disclosure Cash-out - Priced QM Priced
[redacted] of [redacted]% is equal to or greater than Other (APOR) QM
the threshold of [redacted] [redacted]% + [redacted]%, (APOR)
or [redacted]%. Non-Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 2217 34027428 Compliance Compliance State Misc. State Maryland Mortgage Lending Regulations (Disclosure [redacted] Mortgage Lending Regulations: Borrower did 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level of Taxes and Insurance Not Provided) not receive disclosure on responsibility for payment of Cash-out - Priced QM Priced
taxes and insurance. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 2217 34027437 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2218 34024575 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2219 34024106 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A ID Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2220 34027796 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A VA Primary Refinance - A A A A A A A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out -
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2221 34024534 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2222 34027627 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Updated as per Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated the guideline exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID correctly. purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2223 34028063 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2224 34028599 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2225 34023763 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A TN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2226 34024320 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A OR Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2227 34028503 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A RI Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2228 34027476 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IN Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2229 34028611 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CA Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2230 34024644 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2231 34024836 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NV Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2232 34027937 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2233 34024313 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A OH Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2234 34024390 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NJ Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2235 34024743 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2235 34024776 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - A A A A A A A A Safe Harbor Safe No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - QM (APOR) Harbor
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2236 34024249 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NC Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2237 34024770 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NE Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2238 34027763 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2238 34027948 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out - Priced QM Priced
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other (APOR) QM
(APOR)
[Redacted] [Redacted] [Redacted] 2238 34027949 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: [redacted] on 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Higher Higher No
Compliance subject loan of [redacted]% or Final Disclosure Cash-out - Priced QM Priced
[redacted] of [redacted]% is equal to or greater than Other (APOR) QM
the threshold of [redacted] [redacted]% + [redacted]%, (APOR)
or [redacted]%. Non-Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 2239 34028067 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2240 34027418 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A OH Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2240 34027468 Compliance Compliance State Misc. State Ohio Consumer Sales Practices Act [redacted] Consumer Sales Practices Act: Acknowledgement 2 B B B B B B B B B B OH Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level (Acknowledgement of Receipt of Home Mortgage Loan of Receipt of Home Mortgage Loan Information Document Cash-out - Priced QM Priced
Information Document Not Received Timely) not received by borrower within [redacted] ([redacted]) Other (APOR) QM
business days of application. (APOR)
[Redacted] [Redacted] [Redacted] 2241 34028694 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A MD Primary Refinance - B B A A B B A A Non QM Non QM No
Error scope. Some testing for TILA-RESPA Integrated Cash-out -
Disclosure (TRID) compliance under the SFA TRID Other
Grid is outside of the scope of review. This
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2241 34028865 Compliance Compliance State State HPML (State HPML Disclosure) Maryland Higher-Priced [redacted] Higher-Priced Mortgage Loan: Borrower not 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Non QM Non QM No
Compliance Mortgage Loan (Disclosure of Non-HPML Loans provided with written disclosure of non-higher priced Cash-out -
Borrower Qualifies For Not Provided) loans otherwise qualified for. Other
[Redacted] [Redacted] [Redacted] 2241 34028866 Compliance Compliance State State HPML Maryland HPML Threshold Test Non-Compliant [redacted] Higher-Priced Mortgage Loan: [redacted] on 2 B B B B B B B B B B MD Primary Refinance - B B A A B B A A Non QM Non QM No
Compliance subject loan of [redacted]% or Final Disclosure Cash-out -
[redacted] of [redacted]% is equal to or greater than Other
the threshold of [redacted] [redacted]% + [redacted]%,
or [redacted]%. Non-Compliant Higher Priced Loan.
[Redacted] [Redacted] [Redacted] 2242 34029066 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CT Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2243 34028816 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (The [redacted] Constitution Section 2 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Higher Higher No
Compliance Level lender/Assignee cannot conclusively rely on the [redacted]([redacted])([redacted]): The lender/Assignee Cash-out - Priced QM Priced
Value on the Acknowledgement of Fair Market Value cannot conclusively rely on the Value on Acknowledgement Other (APOR) QM
as the loan file does not contain an Appraisal) of Fair Market Value. Test performed using stated value (APOR)
or other valuation method in file other than appraisal.
[Redacted] [Redacted] [Redacted] 2243 34028856 Compliance Compliance State Misc. State (TX50(a)(6)) Texas Cash-out Loan (Other Debt) [redacted] Constitution Section 2 B B B B B B B B B B TX Primary Refinance - Confirm B B A A B B A A Higher Higher Yes
Compliance Level [redacted]([redacted])([redacted]): [redacted] Cash-out - whether Priced QM Priced
[redacted]([redacted])([redacted]) prohibits other debt Other additional (APOR) QM
secured by the homestead unless the purpose of debt on the (APOR)
additional debt is one described under [redacted] subject
[redacted]([redacted])([redacted])-([redacted]) or property is a
([redacted]). Unable to determine purpose of additional Texas 50(a)(6)
debt secured by the homestead. or 50(a)(7)
prior to
Remediating.
Notify
consumer the
accrual of
interest and
other
obligations
will be abated
so long as the
prior 50(a)(6)
or (7) is
secured by the
homestead
[Redacted] [Redacted] [Redacted] 2243 34028916 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance 07/24/2025 3 A A A A A A A A A A TX Primary Refinance - B B A A B B A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2244 34024515 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance The rating Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A CO Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated agencies must exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID specifically purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This approve the (APOR)
exception is for informational purposes only and client for
does not impact grading. this reduced
scope. Please
consult
UWQ/Lead/CSM
for further
instruction.
[Redacted] [Redacted] [Redacted] 2245 34028878 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A WA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2246 34028662 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2247 34024701 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A IL Primary Refinance - A A A A A A A A Higher Higher No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - Priced QM Priced
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other (APOR) QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2248 34029411 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A PA Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2249 34028415 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A NJ Second Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Home Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.
[Redacted] [Redacted] [Redacted] 2250 34028299 Compliance TRID Transaction TRID This loan was reviewed to a limited compliance Reviewer Comment (2025-07-24): Client acknowledges 07/24/2025 3 A A A A A A A A A A FL Primary Refinance - A A A A A A A A Safe Harbor Safe No
Error scope. Some testing for TILA-RESPA Integrated exception. This exception is for informational Cash-out - QM (APOR) Harbor
Disclosure (TRID) compliance under the SFA TRID purposes only and does not impact grading. Other QM
Grid is outside of the scope of review. This (APOR)
exception is for informational purposes only and
does not impact grading.