MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.4 - Schedule 2
| Client Name: | ||||
| Client Project Name: | ||||
| Start - End Dates: | 7/8/2024 - 8/10/2025 | |||
| Deal Loan Count: | 219 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 219 | |||
| Loans with Conditions: | 89 | |||
| 42 - Total Active Conditions | ||||||
| 42 - Non-Material Conditions | ||||||
| 34 - Credit Review Scope | ||||||
| 1 - Category: Application | ||||||
| 4 - Category: Assets | ||||||
| 8 - Category: Credit/Mtg History | ||||||
| 1 - Category: DTI | ||||||
| 2 - Category: Income/Employment | ||||||
| 7 - Category: LTV/CLTV | ||||||
| 11 - Category: Terms/Guidelines | ||||||
| 7 - Property Valuations Review Scope | ||||||
| 1 - Category: Appraisal | ||||||
| 6 - Category: Property | ||||||
| 1 - Compliance Review Scope | ||||||
| 1 - Category: RESPA | ||||||
| 115 - Total Satisfied Conditions | ||||||
| 77 - Credit Review Scope | ||||||
| 9 - Category: Application | ||||||
| 3 - Category: Assets | ||||||
| 7 - Category: Credit/Mtg History | ||||||
| 4 - Category: DTI | ||||||
| 3 - Category: Income/Employment | ||||||
| 11 - Category: Insurance | ||||||
| 23 - Category: Legal Documents | ||||||
| 13 - Category: Terms/Guidelines | ||||||
| 4 - Category: Title | ||||||
| 21 - Property Valuations Review Scope | ||||||
| 17 - Category: Appraisal | ||||||
| 2 - Category: Property | ||||||
| 2 - Category: Value | ||||||
| 17 - Compliance Review Scope | ||||||
| 3 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: APR Tolerance | ||||||
| 6 - Category: Documentation | ||||||
| 1 - Category: Federal Higher-Priced | ||||||
| 1 - Category: Section 32 | ||||||
| 5 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 2 - Total Waived Conditions | ||||||
| 2 - Credit Review Scope | ||||||
| 1 - Category: Credit/Mtg History | ||||||
| 1 - Category: Terms/Guidelines | ||||||
| ©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |
| Client Name: | ||||||||||||||||||||||||||||||||||||
| Client Project Name: | ||||||||||||||||||||||||||||||||||||
| Start - End Dates: | 7/8/2024 - 8/10/2025 | |||||||||||||||||||||||||||||||||||
| Deal Loan Count: | 219 | |||||||||||||||||||||||||||||||||||
| Conditions Report 2.0 | ||||||||||||||||||||||||||||||||||||
| Loans in Report: | 219 | |||||||||||||||||||||||||||||||||||
| Loans with Conditions: | 89 | |||||||||||||||||||||||||||||||||||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 8148625 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Assets | Active | B | B | B | B | CRDAST3036 | Assets reflect unsourced deposits | No | Missing source of $XXX deposit on XXX. Transaction is a XXX of family member home. EMD of $XXX cleared on XXX which was came from the $XXX deposit on XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 763 exceeds minimum required of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves = $XXX, 16.05 months reserves, 0 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Good payment history for 48 months, 12 months required |
| 8148625 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Hud-1 to reflect Borrowing entity as XXX. Seller to reflect XXX, not in its individual capacity but solely as owner Trustee for XXX per Deed. Hud-1 currently reflects the Guarantor, XXX, as the buyer and seller is an individual, XXX. | 7-10-24 Client uploaded corrected final HUD.7-10-24 Client uploaded corrected final HUD. | 7-10-24 XXX reviewed updated HUD but saw no change in page 1 section D and E regarding borrower and seller. Exception remains. 7-11-24 XXX reviewed updated HUD. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 763 exceeds minimum required of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves = $XXX, 16.05 months reserves, 0 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Good payment history for 48 months, 12 months required |
| 8148625 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Transaction is a non arm's length transaction - XXX of a family member which is not eligible on the Noni product. Guarantor is reflected as a defendant on the Memorandum of Sale. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 763 exceeds minimum required of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves = $XXX, 16.05 months reserves, 0 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Good payment history for 48 months, 12 months required |
| 8148628 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: 3 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 11.02 months of reserves in file. | |||||||||||||||
| 9137731 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Credit | Credit/Mtg History | Active | C | B | C | B | CRDCRMH148 | Credit report stale dated at closing | No | Missing updated credit report. Credit report dated XXX. Transaction date XXX. Credit report over 120 days by 1 day. | 5-16-25 Client uploaded an approved exception for credit report being 121 days old. | 5-19-25 XXX reviewed the file and deems non-material/non-fatal to lending decision as it is only 1 day past acceptable date and the following compensating factors: 4.5 months cash reserves/3 months required, credit score 736/700 minimum, 96 months mortgage history/12 months required and LTV 77.73%/80% maximum. Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 736 exceeds the minimum of 700 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 77.73% is below maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 4.5 months reserves, 3 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 96 months reviewed for primary residence mtg exceeds the 12 months required |
| 9137731 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing appraiser, XXX, search on the FraudPlus Participants list. Participant list verifies appraiser, XXX, which is the appraiser of the higher valued appraisal. | 5-16-25 Client uploaded Fraud report participants list.5-20-25 Client uploaded ASC search. | 5-19-25 XXX reviewed fraud report participants list which reflects ASC not cleared. Provided ASC search reflecting XXX is active. Exception remains. 5-20-25 XXX reviewed ASC search. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 736 exceeds the minimum of 700 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 77.73% is below maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 4.5 months reserves, 3 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 96 months reviewed for primary residence mtg exceeds the 12 months required |
| 9104579 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is 5% below the 85% LTV allowed for the program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 722 is 62 points above the 660 FICO required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 2%. | |||||||||||||||
| 9104710 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 764. G/l min is 660 CFCFS5269: Minimal use of credit - XXX Comments: 16% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close assets are XXX or 3.50 months piti reserves. XXX months required. | |||||||||||||||
| 9137744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 100.39 months piti reserves. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 765 is above the required 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 44 months exceeds the required 12 months. | |||||||||||||||
| 9104749 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 4 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 723. G/l min is 660 CFCFS5269: Minimal use of credit - XXX Comments: 4% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 6.66 months piti reserves. 0 months required. | |||||||||||||||
| 9158396 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines state if less than 3 credit scores - borrower must meet a minimum tradeline requirement: At least three (3) tradelines reporting for a minimum of 12-months, with activity in the last 12-months, or At least two (2) tradelines reporting for a minimum of 24-months, with activity in the last 12-months.Borrower 2 does not meet the tradeline requirement with only one open and active tradeline. Lender approved exception in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 6.42 months. 0 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 765 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is below the maximum allowable of 85%. CFCFS3824: Borrower contributed an additional down payment - XXX Comments: Borrower contributed an additional XXX above the required XXX down payment for a total down payment of XXX. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 22.39%. |
| 9158408 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | C | A | N/A | N/A | D | B | D | B | C | B | N/A | N/A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short XXX cash reserves. Cash out reserves are XXX. Cash reserves required XXX (XXX x 6). XXX deems non-material/non-fatal to lending decision due to compensating factors: 677 Credit score/660 minimum, 69.02% LTV / 70% maximum allowed, and Payment decrease of XXX. | 6-2-25 Client responded: HTEM accepts B Grade. | 6-2-25 XXX replied: Non-material Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 677 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 69.02% is below the maximum allowable of 70%. CFCFS1746: Significant housing expense reduction - XXX Comments: Borrower current PI is XXX; Subject PI is XXX. Monthly savings of XXX |
| 9158408 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | C | A | N/A | N/A | D | B | D | B | C | B | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Missing subject property lien information on title. | 6-2-25 Client responded: Payoff statement was included in original loan file, please see page 64-656-4-25: client uploaded updated preliminary title report. | 6-2-25 XXX reviewed title and payoff. Title does not reflect lien on property- provide title correction or advise if not a lien and payoff will be added to borrowers total cash out. Exception remains. 6-4-25: XXX reviewed updated preliminary title report. Schedule B, Part I #5 indicates payoff and discharge mortgage to XXX, dated December 22, 2023, and recorded in the XXX Registry of Deeds, XXX, Page 1. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 677 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 69.02% is below the maximum allowable of 70%. CFCFS1746: Significant housing expense reduction - XXX Comments: Borrower current PI is XXX; Subject PI is XXX. Monthly savings of XXX |
| 9158408 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | C | A | N/A | N/A | D | B | D | B | C | B | N/A | N/A | Property Valuations | Property | Satisfied | B | A | B | A | PRVAPROP2674 | Property Issues Indicated 2 | No | Appraisal indicates the property has leased solar panels.Missing copy of lease or power purchase agreement as required for review per guidelines (Section 1.12.3) for all financed properties.XXX deems non-material/non-fatal to lending decision as NONI guidelines state DSCR calculation is Gross rents/PITIA with no mention of solar lease. Compensating factors include: 677 Credit score/660 minimum, 69.02% LTV / 70% maximum allowed, and Payment decrease of XXX. | 6-2-25 Client replied: XXX accepts B Grade7-7-25 Client uploaded Solar panel agreement. | 6-2-25 XXX responded: Non-material Exception remains.7-7-25 XXX reviewed Solar panel agreement - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 677 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 69.02% is below the maximum allowable of 70%. CFCFS1746: Significant housing expense reduction - XXX Comments: Borrower current PI is XXX; Subject PI is XXX. Monthly savings of XXX |
| 9158408 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | C | A | N/A | N/A | D | B | D | B | C | B | N/A | N/A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Property value not supported by AVM with over 12% variance. Provide enhanced Desk review product, field review or a second appraisal to support appraised value. | 6-6-25: Client uploaded Desk Review. | 6-6-25: XXX reviewed Desk Review, value supported. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 677 is above the required 660. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 69.02% is below the maximum allowable of 70%. CFCFS1746: Significant housing expense reduction - XXX Comments: Borrower current PI is XXX; Subject PI is XXX. Monthly savings of XXX |
| 9137856 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 19.5 months reserves, 6 months required CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 68.85% based on previous list price is below the maximum of 70%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 705 exceeds the minimum of 660 | |||||||||||||||
| 9137857 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | B | B | C | B | C | B | A | A | B | B | Compliance | RESPA | Active | B | B | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations provided dated XXX is not within 3 days of application date of XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 733 qualifying credit score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 26.2 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 342 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 774 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 27.79 months of reserves in file. CFCFS1737: LTV below guideline requirements - XXX Comments: 60% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 9137857 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | B | B | C | B | C | B | A | A | B | B | Credit | DTI | Active | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | DTI is 50.54%, maximum DTI is 50%. For this product, the qualifying payment is based on the full P&I payment when the interest only period is over, the P&I payment is XXX. | 6-20-25 Client replied: Per our UW, we are qualifying loan at P&I of XXX with HOI, taxes and HOA total PITI is XXX and our DTI is 49.875. Please advise how your team is coming up with 56%. 1008 reuploaded. 6-23-25 Client uploaded post close exception and new 1008. | 6-20-25 XXX reviewed file, including the real estate owned, corrected the PI payment and sent email reply with details on DTI calculation which was updated to 50.54%. Exception remains. 6-23-25 XXX reviewed file and explanation from client. XXX authorized user account is excluded at $40/month. DTI is not 50.22% based on fully amortized payment that begins year 11. XXX deems non-material/non-fatal to lending decision as less than 1% over the maximum and the following compensating factors: 27.79 months cash reserves/0 months required, 60% LTV/80% Maximum, over 26 years at current residence and credit score of 733/660 minimum. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 733 qualifying credit score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 26.2 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 342 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 774 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 27.79 months of reserves in file. CFCFS1737: LTV below guideline requirements - XXX Comments: 60% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 9158449 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 56.68 months reserves, 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 672 exceeds the minimum of 660 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 87 months reviewed for subject mtg exceeds 12 months required CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 1.3142 (Rent XXX / Expenses XXX) | |||||||||||||||
| 9222012 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 795 qualifying credit score per CBR. 660 minimum. CFCFS1736: Significant time at current residence - XXX Comments: 9 years living at primary residence. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 244 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 145 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: XXX = 40.38 months of reserves. 0 months required. | |||||||||||||||
| 9158524 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 55.18 months; no reserves required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 748 and minimum is 640 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Borrower has no late payments on mortgages for 51 months. | |||||||||||||||
| 9158536 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 678 mid-score per CBR. 660 minimum. CFCFS1736: Significant time at current residence - XXX Comments: 9 years living at primary residence. CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV per review; 80% LTV maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 111 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 36.54 months of reserves in file. 0 months required. | |||||||||||||||
| 9158566 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have been at current residence 8 years. CFCFS1735: Co-Borrower has significant time at current job - XXX Comments: Co-Borrower has been in her current XXX for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 3.37 months; no reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 790 and minimum is 660 | |||||||||||||||
| 9158572 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing the Hazard Insurance for the subject property with premium of XXX per month. | 6-19-25: Client uploaded hazard insurance and paid billing. | 6-19-25: XXX reviewed the hazard insurance and paid billing; meeting requirements. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 75.81% LTV below guideline requirements of 85% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 733 exceeds the guideline program minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX , 110.15 months; no reserves required. |
| 9158579 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Required assets are XXX Liquid assets in file XXX = XXX unliquidated funds from the retirement accounts in file. Missing documentation that the borrower can access/withdraw funds from retirement accounts | 6-20-25 Client uploaded documentation on retirement fund access. | 6-20-25 XXX reviewed documentation and both RSPII and Endeavor have access to funds through hardship withdrawals or loans. Changed accounts to liquid. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 670 exceeds the guideline program minimum of 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX , 3.40 months; no reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 67 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9158579 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation to support HOA dues for subject in the amount of XXX. | 6-20-25 Client uploaded corrected 1003 with no HOA. | 6-20-25 XXX reviewed file and found no HOA on property. DSCR calculation updated. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 670 exceeds the guideline program minimum of 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX , 3.40 months; no reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 67 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 9221937 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 90.79 months, exceeds 6 months required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 39 months exceeds the required 12 months CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 721 is above the required 660 | |||||||||||||||
| 9158591 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Chase payment history reflects borrower has 11x30 and 1x60 in the last 12 months. 1sx60 payment was XXX and most of the 30 day lates are rolling. | (No Data) | 6.18.25 Acknowledged by Client | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 61.80% is below the maximum of 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 703 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - XXX Comments: 1% of revolving credit utilized CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 3.54% is below the maximum of 50% |
| 9222144 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: FICO 732 exceeds minimum required 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 10.89 months. 6 months required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 152 month mortgage history exceeds 12+ month requirement | |||||||||||||||
| 9222077 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at current residence for 9 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 727 exceeds the guideline program minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 23.22 months; 6 months reserves required. | |||||||||||||||
| 9158592 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 85% is below the maximum of 90% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score of 764 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - XXX Comments: 0% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 6.36 months reserves, 6 months required | |||||||||||||||
| 9221903 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%. G/l max is 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 747. G/l min is 660 CFCFS5269: Minimal use of credit - XXX Comments: 4% consumer credit utilization in file | |||||||||||||||
| 9222132 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Status is pending, Missing Proof of Taxes and Insurance in the monthly amount of XXX on the property XXX. | 8-6-25 Client uploaded docs. | 8-6-25 XXX reviewed docs and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 29.46% is below the minimum program requirement of 43%. CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV for Subject Property is below guideline max LTV of 90% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO 762 > 82 points above guideline program minimum of 680. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past 5 years and 0 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 6 years and 5 months. |
| 9222132 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing Proof of Taxes and insurance in the monthly amount of XXX on the property XXX. | 8-6-25 Client uploaded docs. | 8-6-25 XXX reviewed docs and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 29.46% is below the minimum program requirement of 43%. CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV for Subject Property is below guideline max LTV of 90% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO 762 > 82 points above guideline program minimum of 680. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived at current residence for the past 5 years and 0 months. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 6 years and 5 months. |
| 9222119 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 6 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying ico is 729. G/l min is 700 CFCFS5269: Minimal use of credit - XXX Comments: 3% consumer credit utilization in file | |||||||||||||||
| 9222078 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing full 1004 Appraisal for the subject property. | 7.17.25 appraisal rcvd. | 7.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 15 years and 1 months. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX , 14.86 months; 12 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 794 exceeds the guideline program minimum of 700. |
| 9222078 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Missing UCDP CU score 2.5 or less. | CDA / CU rcvd | 7.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 15 years and 1 months. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX , 14.86 months; 12 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 794 exceeds the guideline program minimum of 700. |
| 9222078 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Missing full 1004 Appraisal for the subject property. | 7.17.25 appraisal rcvd. | 7.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has significant time at current job, 15 years and 1 months. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX , 14.86 months; 12 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 794 exceeds the guideline program minimum of 700. |
| 9221953 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing SSN verification for XXX. Per Fraud Report, SSN was issued prior to the input date of birth. Fraud Report states verified with SSA89 form. | 7-16-25 Client uploaded verification of SSN. | 7-17-25 XXX reviewed SSN verification which reflects one digit is off. Credit report: bureaus reporting correct number and lender corrected on fraud report. Updated SSN in system. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 54.91% is below the maximum of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 806 exceeds the minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 15.25 months reserves, 6 months required CFCFS1750: High potential for increased earnings - XXX Comments: DSCR: 2.0464 (Rent XXX / Expenses XXX) |
| 9222205 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 14 years CFCFS5269: Minimal use of credit - XXX Comments: 1% consumer credit utilization in file. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 79.46 months piti reserves. 6 months required. | |||||||||||||||
| 9222153 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Application | Active | B | B | B | B | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Borrower is the broker on the transaction. Exception granted to allow to move forward. XXX considers this non material as borrower is experienced investor, with 126 months reserves, and excellent credit history with credit score of 769/700 minimum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 769 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 126.04 months reserves, 6 months required CFCFS5269: Minimal use of credit - XXX Comments: 11% of revolving credit utilized |
| 9222006 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 801 mid-score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 10 years living at primary residence. CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 184 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 99 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20 months of reserves in file. | |||||||||||||||
| 9221945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 7 years at current residence. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 14.22%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 650 is above the required 640. | |||||||||||||||
| 9221902 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Per guidelines 1.6.4.1 Eligible Donors, the donor may not be the real estate agent on the transaction. Gift for XXX came from borrower's Realtor who is also borrower's brother. XXX considers this to be non material, borrower has excellent credit with score of 718/660, 11.49 months reserves, and low credit usage of 18%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 718 exceeds the minimum of 660 CFCFS5269: Minimal use of credit - XXX Comments: 18% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 11.49 months reserves, 0 months required CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 80% is below the maximum of 85% |
| 9221896 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 41 months reserves PITIA or XXX cash back at closing CFCFS1741: Credit score exceeds guidelines - XXX Comments: Minim fico 620; Borrower fico 735 | |||||||||||||||
| 9221909 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 689 is 29 points above minimum program requirement of 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has XXX PITIA which is > guideline minimum of 6 months PITIA. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Foreclosure event occurred 35 months prior to closing. | |||||||||||||||
| 9222190 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower is a first time investor. Per Noni Matrix XXX, first time investors are ineligible if living rent free. Borrower lives housing debt free per letter from spouse. XXX deems non-material/non-fatal to lending decision as borrower is on the deed to primary but not the mortgage and compensating factors: 39.19 Months cash reserves/0 months required, 703 credit score/660 minimum, and 80% LTV/85% maximum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 80% is below the maximum of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 703 exceeds the minimum of 660 CFCFS5269: Minimal use of credit - XXX Comments: 17% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves $152913.26, 39.19 months reserves, 0 months required |
| 9222181 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 809. G/l min is 660 CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 19 years. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. G/l max is 85% CFCFS5269: Minimal use of credit - XXX Comments: 1% consumer credit utilization in file | |||||||||||||||
| 9221926 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 80% is below the maximum of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 809 exceeds the minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 42.58 months reserves, 0 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 30 months reviewed for primary residence mtg exceeds the 12 months required CFCFS5269: Minimal use of credit - XXX Comments: 1% of revolving credit utilized | |||||||||||||||
| 9222130 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 754 is 54 points above minimum program requirement of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 70%; guidelines allow 75%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has $XXX PITIA which is > guideline minimum of 6 months PITIA. | |||||||||||||||
| 9222084 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 10.26 months. 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 754 mid score > min required of 660 CFCFS5269: Minimal use of credit - XXX Comments: Minimal use of available revolving credit @ 1.74% | |||||||||||||||
| 9222058 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value.(UCDP in file is for XXX) | 7-8-25 Client uploaded UCDP. | 7-10-25 XXX reviewed UCDP and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 1045.99 months. 0 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 60.47% is below the maximum allowable of 85%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 792 is above the required 620. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 6.84%. |
| 9221972 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 58.38 months piti reserves CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 75%. G/l max is 80% | |||||||||||||||
| 9222243 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 65% is below the maximum allowable of 70%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 783 is above the required 660. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 39 months exceeds the required 12 months. | |||||||||||||||
| 9222158 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER881 | Minimum square footage does not meet guidelines | No | Units 1 and 2 are 396 square feet which is less than the minimum 400 square feet allowed per guidelines. Client provided an exception approval to allow the loan with the 2 units less than 400 square feet.XXX deems non-material/non-fatal to lending decision due to compensating factors: 46.36 months cash reserves/0 months required, Credit score 703/660 minimum, and minimal use of credit at 9.90%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 46 months PITIA vs 0 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 703 is 43 points above the 660 FICO required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 9.90%. |
| 9221938 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 6.40%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 115 months PITIA is 109 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 791 is 91 points above the 700 FICO required for the program. | |||||||||||||||
| 9221942 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 691 mid-score per CBR. 660 minimum. CFCFS1736: Significant time at current residence - XXX Comments: 13 years living at primary residence. CFCFS1737: LTV below guideline requirements - XXX Comments: 49.86% LTV per review; 70% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 84 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 10.55 months of reserves in file. 6 months required. | |||||||||||||||
| 9221984 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV < max permitted of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 804 mid score > min required of 660 CFCFS1736: Significant time at current residence - XXX Comments: Borrower (Guarantor) has occupied primary residence for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing assets: XXX, 126.78 months, no reserves required. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 0x30 x84 months > max permitted of 1x30 x12 months CFCFS5269: Minimal use of credit - XXX Comments: Minimal use of available revolving credit lines @ 4.61% | |||||||||||||||
| 9222141 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close assets are XXX or 3.73 months piti reserves. 0 months required. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 4 years CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower is 0*30 consumer credit history past 48 months | |||||||||||||||
| 9222090 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The origination file does not contain a third party fraud report | 8-1-25: client uploaded third party fraud report. | 8-1-25: XXX reviewed third party fraud report, all are clear. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 68.97% is below the maximum of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 761 exceeds the minimum of 640 CFCFS1746: Significant housing expense reduction - XXX Comments: Payment reduced by XXX/month or 33.61% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 23.38 months reserves, 3 months required |
| 9222090 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Payment history for XXX, secured to subject property, reflects 1x30 for the November payment and 1x60 for the October payment. Guidelines do not allow 1x60 in the last 12 months. | 8-6-25 Client uploaded post close exception. | 8-6-25 XXX reviewed exception. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 68.97% is below the maximum of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 761 exceeds the minimum of 640 CFCFS1746: Significant housing expense reduction - XXX Comments: Payment reduced by XXX/month or 33.61% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 23.38 months reserves, 3 months required |
| 9222177 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 7 years at current residence. CFCFS2854: Significant time in profession - XXX Comments: Borrower has 10 years 2 months in profession. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 766 is 66 points above the 700 FICO required for the program. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 29.29% is 13.71% below the 43% allowed for the program. | |||||||||||||||
| 9221983 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide missing Final HUD in file. | 7-22-25 Client uploaded final HUD on XXX. | 7-22-25 XXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 717 is 57 points above the 660 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 80% is 5% below the 85% LTV allowed for the program. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 3 years at current residence. |
| 9221950 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 18 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 40 months PITIA is 34 months greater than the 6 months reserves required. | |||||||||||||||
| 9222095 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1746: Significant housing expense reduction - XXX Comments: PITI payment for subject is going down $XXX/month, a 21.22% reduction CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 69.926% on max of 75% CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Customer has mortgage history dating back 108 months exceeding 12 month requirement | |||||||||||||||
| 9221993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of XXX or 3.53 months PITI reserves exceed guideline required reserves of $0.00 CFCFS2860: Good credit history - XXX Comments: Borrower credit shows 5 of 6 open accounts with reviews of 25-99 months with 0 x 30, reflecting a good credit history. CFCFS1736: Significant time at current residence - XXX Comments: Borrower resides at their primary residence for 13 years. | |||||||||||||||
| 9222091 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 722 is 22 points above minimum program requirement of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%; guidelines allow 85%. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has used only 2% of available credit. | |||||||||||||||
| 9222059 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 17 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 52 months PITIA is 46 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 691 is 31 points above the 660 FICO required for the program. | |||||||||||||||
| 9221992 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 9 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 730. G/l min is 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 6.16 months piti reserves; 6 months required. | |||||||||||||||
| 9221892 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 730 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 16.02 months reserves, 6 months required CFCFS1746: Significant housing expense reduction - XXX Comments: Payment reduced by $206.69/month or 11.66% | |||||||||||||||
| 9221952 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves: XXX or 7.36 months PITI Reserves exceeds required reserves of XXX CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 724 is above the required 700. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 22 months exceeds the required 12 months. | |||||||||||||||
| 9221919 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Borrower is short XXX funds to close. Assets verified in file as of XXX are XXX; funds required are deposit on XXX of XXX and cash to close of XXX, XXX | 7-21-25 Client Uploaded - XXX June-July Statement Verified Assets | 7-23-25 XXX reviewed July 7th bank statement and used balance on XXX (note date) of XXX and counted XXX Deposit as cleared. Updated cash reserves to XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 20 years at current residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 778 is 118 points above the 660 FICO required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 7.81%. |
| 9222080 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 709. G/l min is 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 114.66 months piti reserves CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences | |||||||||||||||
| 9222138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 799 mid-score per CBR. CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 201 months of 0x30 mortgage history per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 98 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: post closing reserves XXX = 231.71 months, no reserves required. | |||||||||||||||
| 9221990 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation to clear fraud report alert on supervisory appraiser, XXX . Provide ASC search. | 7-23-25: client uploaded documentation to clear fraud alert for XXX. | 7-23-25: XXX reviewed the ASC search documentation, it clears fraud alert for XXX Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 80% is below the maximum of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 744 exceeds the minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 41.20 months reserves, 0 months required CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 61 months reviewed for primary residence mtg exceeds the required 12 months |
| 9221997 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Income/Employment | Active | B | B | B | B | CRDINC3204 | Income Documentation Missing | No | Missing evidence of receipt of security deposit as required per NONI matrix when lease is obtained after application. Lease dated XXX and application date XXX. Lender provided a June XXX statement, however could not match any deposit to tenant. XXX deems non-material/non-fatal to lending decision as DSCR calculation based on lower market rents and compensating factors: Credit score 699/660 minimum, Low credit usage at 1.54% and 7 years at current residence. | 8-6-25 Client uploaded post close exception. | 8-6-25 XXX reviewed exception. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 7 years at current residence. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 1.54%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 699 is 39 points above the 660 FICO required for the program. |
| 9222016 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | The Mortgage is missing in the file. | 7-25-25 Client uploaded DOT. | 7-25-25 XXX reviewed DOT and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 703 is above minimum program requirement of 680. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 20.23% is below the guideline minimum of 50%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has XXX PITIA which is > guideline minimum of 12 months PITIA. |
| 9221963 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - XXX Comments: Minimal usage of available revolving credit lines @ 0.31% CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV < maximum permitted of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 771 mid score > minimum required of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing assets: XXX or 4.95 months. 0 months required. | |||||||||||||||
| 9222211 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 790 is 90 points above minimum program requirement of 700. CFCFS5269: Minimal use of credit - XXX Comments: Borrowers have used only 1% of available credit. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%; guidelines allow 85%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 19.75 months; no reserves required. | |||||||||||||||
| 9221924 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: 20 years residing in current primary residence CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 35% is below the maximum of 75% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 726 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 81.78 months reserves, 6 months required | |||||||||||||||
| 9221995 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 687 mid-score per CBR CFCFS1736: Significant time at current residence - XXX Comments: 10 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 123 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 67 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 60.99 months of reserves in file. | |||||||||||||||
| 9222096 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 64.86% is below the maximum of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 816 exceeds the minimum of 620 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 74.87 months reserves, 0 months required CFCFS5269: Minimal use of credit - XXX Comments: 7% of revolving credit utilized | |||||||||||||||
| 9221999 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject property condo project investor concentration is 75% per questionnaire; maximum allowed per guidelines is 60%. Loan Exception Request in file. XXX considers this non material, LTV is 78.39%/85%, credit score is 775/720, borrower has 34 months reserves; project is well managed with reserves funded. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 755 mid-score per CBR CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 34 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 36.61 months of reserves in file. CFCFS1737: LTV below guideline requirements - XXX Comments: 78.39% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 9222251 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Provide final hud-1 | 7-15-25: client uploaded final HUD1. | 7-15-25: XXX reviewed final HUD1. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 764 mid-score per CBR. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 130 months of 0x30 mortgage history per CBR. |
| 9222187 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Status is pending, missing 2024 for XXX and YTD 2025 P&L for both businesses are not signed | 7-23-25 Client uploaded signed P&Ls. | 7-24-25 XXX reviewed signed P&Ls. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 666 and minimum is 620 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves XXX, 12.71 months; 3 months required. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has owned business for 15+ years CFCFS1739: Positive mortgage payment history - XXX Comments: 0 x 30 in 43 months |
| 9222187 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | 2024 for XXX and YTD 2025 P&L for both businesses are not signed | 7-23-25 Client uploaded signed P&Ls. | 7-24-25 XXX reviewed signed P&Ls. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 666 and minimum is 620 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves XXX, 12.71 months; 3 months required. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has owned business for 15+ years CFCFS1739: Positive mortgage payment history - XXX Comments: 0 x 30 in 43 months |
| 9222143 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 701 mid-score per CBR. 680 minimum. CFCFS1734: Borrower has significant time at current job - XXX Comments: 6.9 years employed with XXX. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 84 months of 0x30 rental history per VOR in file. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: XXX = 12.87 months of reserves. 12 months required. | |||||||||||||||
| 9222109 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing the required Guaranty in file. | 7-15-25: client uploaded the guaranty. | 7-15-25: XXX reviewed the guaranty. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 742 mid-score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 4 years living at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 63 months of 0x30 mortgage history per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 109 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 8.76 months of reserves; 6 months required. |
| 9222232 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 689 is above the required 660. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 23.40%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 108.33 months. 6 months required. | |||||||||||||||
| 9221913 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4238 | Business entity does not meet guidelines | No | Missing documentation supporting the ownership percentage of XXX. Assets in XXX # are in a business account. Assets used for the required 3 months reserves | 7-21-25 Client responded: See uploaded Bylaws, showing 100% ownership by borrower. | 7-23-25 XXX reviewed bylaws reflecting 100% ownership. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 16.36 months reserves, 3 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 732 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - XXX Comments: 4% revolving credit utilized CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 33 months reviewed for subject mtg exceeds the 12 months required |
| 9222216 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 7 years 6 months at current job. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 706 is 26 points above the 680 FICO required for the program. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 36.44% is 8.56% below the 45% allowed for the program. | |||||||||||||||
| 9222038 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 59.26%; guidelines allow 70%. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 47.28% is below the guideline minimum of 50%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has XXX75.94 PITIA which is > guideline minimum of 3 months PITIA. | |||||||||||||||
| 9222075 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary residence for 25 years CFCFS1739: Positive mortgage payment history - XXX Comments: 0 x 30 in 99 months | |||||||||||||||
| 9222157 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Provide complete Certified HUD-1 signed and dated by all parties with all pages. | 8-5-25 Client uploaded HUD.8-6-25 Client uploaded HUD.8-7-25 Client uploaded HUD. | 8-6-25 XXX reviewed HUD which does not reflect settlement agent, place of settlement or settlement date. Provide final certified signed HUD. Exception remains. 8-6-25 XXX reviewed HUD which only has pages 1,2, and 4 of 5. Please provide all pages. Exception remains. 8-7-25 XXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO 684 > 24 points above guideline program minimum of 660. |
| 9222070 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4238 | Business entity does not meet guidelines | No | Guidelines state Entity limited to 4 owners. Borrowing entity has 5 owners. Lender approved exception in file. XXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score 732/660 minimum, LTV 64.308%/70% maximum and 85.18 months cash reserves/6 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 64.31% is below the maximum of 70% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 732 exceeds the maximum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 85.18 months reserves, 6 months required |
| 9222104 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 84 months PITIA is 78 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 732 is 72 points above the 660 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 64.09% is below the 70% LTV allowed for the program for unleased property. | |||||||||||||||
| 9222244 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Credit | Income/Employment | Active | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | Guidelines for a refinance of a property with an ADU in XXX require that there be a current lease with two months proof of current receipt. Lender provided an approved exception in the file for use of the market rents with a current lease. XXX deems non-material/non-fatal to lending decision due to the following compensating factors: 20.75 months cash reserves/6 months required, 812 credit score/680 minimum, 22 years at current residence and 58.28% LTV/65% Maximum. | 8-4-25 Client uploaded post close exception. | 8-5-25 XXX reviewed the exception and file. XXX deems non-material/non-fatal to the lending decision as appraisal was completed as is and reflects the ADU to be legally permissible and the following compensating factors: Credit score 812/680 minimum, LTV 58.28%/65% maximum, 20.75 months cash reserves/6 months required and 22 years at primary residence. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 20.75 months; 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 58.28% is below the maximum allowable of 65%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 812 credit score exceeds required 680. CFCFS1736: Significant time at current residence - XXX Comments: Client has resided at residence for 22 years per application |
| 9222244 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Property Valuations | Property | Active | C | B | C | B | PRVAPROP2674 | Property Issues Indicated 2 | No | Missing Certificate of Occupancy for new ADU. | 8-4-25 Client uploaded a post close exception for the lack of an occupancy permit for the ADU. | 8-4-25 XXX reviewed the exception and file. XXX deems non-material/non-fatal to the lending decision as appraisal was completed as is and reflects the ADU to be legally permissible and the following compensating factors: Credit score 812/680 minimum, LTV 58.28%/65% maximum, 20.75 months cash reserves/6 months required and 22 years at primary residence. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 20.75 months; 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 58.28% is below the maximum allowable of 65%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 812 credit score exceeds required 680. CFCFS1736: Significant time at current residence - XXX Comments: Client has resided at residence for 22 years per application |
| 9222244 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | AVM provided does not support value | (No Data) | Desk review provided to support value. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 20.75 months; 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 58.28% is below the maximum allowable of 65%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 812 credit score exceeds required 680. CFCFS1736: Significant time at current residence - XXX Comments: Client has resided at residence for 22 years per application |
| 9221982 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 722 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 174 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 37.39 months of reserves in file, 12 months required. | |||||||||||||||
| 9221894 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is 75% and maximum LTV for cash out on Near Noni is 70%. XXX considers this non material as borrower has good credit history with no late payments on mortgages in past 5 years, 725 credit score with 700 minimum, minimal use of credit with 5%, and excellent reserves XXX, 126 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 0x30 x68 months CFCFS1736: Significant time at current residence - XXX Comments: Borrower has occupied primary residence for 6 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 725 mid score > minimum required of 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing assets: XXX, 126.61 months; 6 months required. CFCFS5269: Minimal use of credit - XXX Comments: Minimal use of available revolving credit lines @ 5.26% |
| 9222252 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Subject property (XXX XXX) Note and Deed of Trust reflect MIN of XXX which is the same MIN number reflected on loan number XXX for XXX. Lender tape reflects it should be XXX. | 7-21-25 Client responded: Upload copy of Note & DOT reflecting correct MERS# | 7-23-25 XXX reviewed note and DOT and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 64.31% is below the maximum of 70% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 732 exceeds the minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 85.02 months reserves, 6 months required |
| 9222252 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4238 | Business entity does not meet guidelines | No | Business entity doe not meet guidelines due to having 5 members. Guidelines allow maximum of 4 members. Lender approved exception in file. XXX deems non-material/non-fatal to lending decision due to the compensating factors: Credit score 739/660 minimum, 85.02 months cash reserves/6 months required and 64.31% LTV/70% maximum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 64.31% is below the maximum of 70% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 732 exceeds the minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 85.02 months reserves, 6 months required |
| 9222230 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 755. G/l min is 700 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 76.72 months piti reserves CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences | |||||||||||||||
| 9222035 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 119.04 months, 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Fico 730; minim 680 | |||||||||||||||
| 9222242 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Project is 68% rentals and guidelines allow a maximum of 60%. XXX considers this non material as the project has demonstrated stability and marketability with high rentals, borrower has 33 months reserves, and borrower has over 20 years credit history with no mortgage late payments. | 7-16-25: Client indicates acceptance of B Grade. | 7-16-25: Client indicates acceptance of B Grade. Exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 6 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 707 mid-score per CBR. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 298 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 33.01 months of reserves in file. |
| 9221971 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at current residence for 8 years. CFCFS1737: LTV below guideline requirements - XXX Comments: 63.30% LTV below guideline requirements of 75% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 682 exceeds the guideline program minimum of 620. | |||||||||||||||
| 9222039 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 674 qualifying credit score per CBR. 660 minimum. CFCFS1736: Significant time at current residence - XXX Comments: 27 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 82.87 months of reserves in file. 6 months required. | |||||||||||||||
| 9222018 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of XXX or 84.66 months PITI reserves exceeds required reserves of 6 months. CFCFS5269: Minimal use of credit - XXX Comments: Credit Usage Ratio of 3.66% reflects a Minimal use of credit. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: With the payoff of the XXX HELOC and only one month of activity. Borrower has no major mortgage related occurrences during the past two years | |||||||||||||||
| 9221893 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 717. G/l min is 700 CFCFS5269: Minimal use of credit - XXX Comments: 22% consumer credit utilization in file | |||||||||||||||
| 9222170 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER3262 | Property issues indicated | No | Per Guidelines Maximum Investor Concentration is 60%, concentration is 94 %, 16 of 17 units are rentals. Exception in file. XXX considers this non material, as project marketability not affected, borrower has excellent credit with no late payments with over 10 years history, and borrower is minimal credit user. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Borrower has no history of late payments CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 12 months payment history required, credit report shows 60 months CFCFS5269: Minimal use of credit - XXX Comments: Borrower is using less than 10% of available credit |
| 9222032 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% is 5% greater than the maximum 75% LTV allowed with a DSCR < 1.00. XXX deems exception to be non material. Grade 2/B. FICO =756; 95 months reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 95 months PITIA is 189 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 756 is 56 points above the 700 FICO required for the program. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 15.34%. |
| 9222135 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 9 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 8 months PITIA vs 0 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 780 is 140 points above the 640 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 68.22% is 11.78% below the 80% LTV allowed for the program. | |||||||||||||||
| 9222239 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at current residence for 14 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 799 exceeds the guideline program minimum of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV below guideline requirements of 85% per program. | |||||||||||||||
| 9222133 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 84 months PITIA is 78 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 718 is 58 points above the 660 FICO required for the program. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 10 years at current residence. | |||||||||||||||
| 9222166 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 759 is 59 points above minimum program requirement of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 80%; guidelines allow 85%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has XXX/22.37 PITIA which is > guideline minimum of 0 months PITIA. | |||||||||||||||
| 9222097 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 9 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 798. G/l min is 700 CFCFS5269: Minimal use of credit - XXX Comments: 1% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 71.05 months piti reserves | |||||||||||||||
| 9222102 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: 10 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 762 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 126 months of 0x30 consumer credit history per CBR. | |||||||||||||||
| 9221920 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - XXX Comments: Borrower has a credit line usage ratio of 7.65%. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 809 is 149 points above the 660 FICO required for the program. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 98.57 months ITIA vs 0 months reserves required. | |||||||||||||||
| 9222197 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan closed at 80% LTV as a Noni. Max LTV for a Near Noni is 75%.DSCR calculated XXX market rent/XXX PITIA = DSCR to .9600. *Lender used market rent of XXX XXX deems non-material/non-fatal to lending decision due to compensating factors: 6.24 months cash reserves/6 months required, credit score of 775/700 minimum, and minimum use of credit at 14%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 775 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - XXX Comments: 14% or revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 6.24 months reserves, 6 months required |
| 9222197 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value.File contained FHLMC LCA report and loan underwritten to XXX Non-Agency Guidelines which no longer accepts LCA as an acceptable appraisal review option. (Section 1.9.1.3.1) File did not contain FNMA CU report. | 7-16-25 Client uploaded CU. | 7-17-25 XXX reviewed CU and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 775 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - XXX Comments: 14% or revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 6.24 months reserves, 6 months required |
| 9221991 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Guidelines require a minimum 400 square footage per unit. Unit 3 has 398 square feet. XXX deems non-material/non-fatal to lending decision as it is only 2 square feet short of being acceptable and the following compensating factors: 80% LTV/max is 85%, Credit score of 739/660 minimum for LTV and minimal use of credit at 18.79%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of739 is above the required660 CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of80% is below the maximum allowable of 85%. CFCFS5269: Minimal use of credit - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 18.79% |
| 9222098 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: XXX reserves in file; 57.43 months PITIA. Required reserves are XXX x 6 = XXX CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 751 is 71 points above the 680 FICO required for the program. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 3 years 7 months at current job. | |||||||||||||||
| 9222013 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 669 mid score > minimum required of 620 CFCFS1737: LTV below guideline requirements - XXX Comments: 65% LTV < maximum permitted of 80% CFCFS5269: Minimal use of credit - XXX Comments: Minimal use of available revolving credit @ 3.5% | |||||||||||||||
| 9222118 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 13.88 months; no reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 725 and minimum is 660 CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Borrower has no late payments with 15 years credit history. | |||||||||||||||
| 9222151 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 725 mid score > minimum required of 660 CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV < maximum permitted of 85% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing assets: XXX (97.75 months PITIA reserves). Required reserves: $0.00 | |||||||||||||||
| 9221966 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 105 months PITIA is 99 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 711 is 11 points above the 700 FICO required for the program. | |||||||||||||||
| 9222161 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER3262 | Property issues indicated | No | Exception approved at time of origination for agriculture mixed use zoning. No evidence of agricultural use per appraisal. XXX considers this non material, property is not agricultural in usage or features and complies with zoning; LTV is 70%/90%, 107 months reserves, credit score 796/680. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 70% is below guidelines of 90% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO 796 exceeds minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves = XXX, 107 months, 0 months required |
| 9221988 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 719 is 19 points above minimum program requirement of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 70%; guidelines allow 75%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has XXX/12.11 PITIA which is > guideline minimum of 6 months. | |||||||||||||||
| 9222048 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves XXX, 84.28 months reserves, 0 months required CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 75% is below the maximum 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 797 exceeds the minimum of 660 CFCFS5269: Minimal use of credit - XXX Comments: 1% revolving credit utilized CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 68 months reviewed on primary residence mtg exceeds the required 12 months | |||||||||||||||
| 9221901 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 789 mid-score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 4 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 108 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 35.07 months of reserves in file. | |||||||||||||||
| 9221932 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Note and disbursement date XXX, investment purchase transaction, Hazard policy runs from XXX-XXX; insurance was not in force at time of disbursement. | 8-4-25 Client uploaded revised HOI. | 8-4-25 XXX reviewed HOI and updated data points. HOI reflects an increased premium from original submission therefore PITI increased to XXX and DSCR is lower to 1.0319. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: 7 years living at primary residence. CFCFS1737: LTV below guideline requirements - XXX Comments: 79.86% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 783 qualifying credit score per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 86 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 9.62 months of reserves in file. |
| 9221931 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 66.67 is below guideline requirement max of 70. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves: XXX or 8.75 months PITI reserves exceed guideline required reserves of $0.00. CFCFS1746: Significant housing expense reduction - XXX Comments: Significant housing expense reduction from XXX to XXX represents a drop of XXX or 17.25% | |||||||||||||||
| 9222150 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 765 is 65 points above minimum program requirement of 700. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 70%; guidelines allow 75%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has XXX/14.96 PITIA which is > guideline minimum of 6 months. | |||||||||||||||
| 9221914 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 29.77 is below guideline requirement max of 50. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of XXX or 12.88 months PITI reserves exceed required reserves of (XXX x 6 = $XXX). CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at the primary for 9 years. | |||||||||||||||
| 9222003 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score is 648 and minimum is 640 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences | |||||||||||||||
| 9222002 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 671 exceeds the guideline program minimum of 660. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post-closing reserves XXX ; 10.12 months; no reserves required | |||||||||||||||
| 9222139 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Initial CD dated issued XXX, receipt date of XXX. Closing occurred XXX; Initial CD was not received by borrower at least 3 business days prior to closing. | 7.23.25-Client provided PCCD issued XXX; contained in original package. Closing date remains XXX. Initial CD was not received by borrower at least 3 business days prior to closing.7.28.25-Client provided via email screenshots of e-folder package a view date of package. The screenshot does not include loan number or subject address. Also no proof of documents i.e. CD. contained in package. Provide proof of receipt of CD issued XXX7.28.25-Client provided via email screenshots of XXX package a view date of package. The screenshot does include loan number & subject address. Proof client viewed on XXX, e-signed on XXX. Satisfied. | 7.28.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 85% LTV below guideline requirements of 90% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 705 exceeds the guideline program minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 9.79 months; no reserves required. |
| 9222139 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated issued XXX, receipt date of XXX. Closing occurred XXX; Initial CD was not received by borrower at least 3 business days prior to closing. | 7.23.25-Client provided PCCD issued XXX; contained in original package. Closing date remains XXX. Initial CD was not received by borrower at least 3 business days prior to closing.7.28.25-Client provided via email screenshots of e-folder package a view date of package. The screenshot does not include loan number or subject address. Also no proof of documents i.e. CD. contained in package. Provide proof of receipt of CD issued XXX.7.28.25-Client provided via email screenshots of e-folder package a view date of package. The screenshot does include loan number & subject address. Proof client viewed on XXX, e-signed on XXX. Satisfied. | 7.28.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 85% LTV below guideline requirements of 90% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 705 exceeds the guideline program minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 9.79 months; no reserves required. |
| 9222206 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 812 qualifying credit score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 400 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 37.57 months of reserves in file. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. | |||||||||||||||
| 9222213 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 777 qualifying credit score per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 8.3 years living at primary residence. CFCFS1734: Borrower has significant time at current job - XXX Comments: 16.1 years employed with XXX. CFCFS1737: LTV below guideline requirements - XXX Comments: 85% LTV per review; 90% LTV is maximum allowed per guidelines. CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 115 months of 0x30 consumer credit history per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 205 months of 0x30 mortgage history per CBR. | |||||||||||||||
| 9221957 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 726 is 6 points above minimum program requirement of 720. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has XXX/14.27 PITIA which is > guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI 32.78% is below the guideline minimum of 43%. | |||||||||||||||
| 9222120 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close assets are XXX or 82.54 months piti reserves. 6 months required. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 21 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 823. G/l min is 660 | |||||||||||||||
| 9221898 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower does not meet less than 6 months title seasoning due to DSCR is below 1.15. Borrower took title XXX. DSCR is 1.1498. XXX considers this as non material, as DSCR is XXX below requirement, borrower has held spousal interest in the property for over 6 months, and has good credit with score of 695/660, and overall housing payment in declining. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 64.49% is below the maximum of 70% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 695 exceeds the minimum of 660 CFCFS1746: Significant housing expense reduction - XXX Comments: Payment reduced by $568.95/month or 15.75% CFCFS1736: Significant time at current residence - XXX Comments: 10 yrs residing in primary residence |
| 9221941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 722 credit score exceeds guidelines 620 CFCFS1736: Significant time at current residence - XXX Comments: 8 yrs at current residence | |||||||||||||||
| 9222054 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 39.13 is below guidelines requirement max of 75. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves XXX or 114.01 months PITI reserves exceed required reserves of (XXX x 6 = XXX). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 720 exceeds guideline requirement of 700. CFCFS1746: Significant housing expense reduction - XXX Comments: Significant housing expense reduction from the previous subject expense of XXX to XXX representing a reduction of XXX or 40.49%. | |||||||||||||||
| 9221918 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | XXX printout reflects current posted balance of XXX on XXX, however available and projected available balance reflect XXX. Appears we are missing a transaction. Provide transaction printout reflecting pending deposit of XXX on XXX to support the use of available balance XXX for cash reserves. | 7-31-25 Client uploaded an updated transaction history. | 8-4-25 XXX reviewed transaction history which supports balance of XXX on XXX (Disbursement date). Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 6 years CFCFS5269: Minimal use of credit - XXX Comments: 17% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 6.06 months piti reserves. 6 months required. |
| 9222155 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 720 mid-score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 7.36 months of reserves in file. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 0x30 mortgage history since XXX per CBR. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 90% LTV is maximum allowed per guidelines. | |||||||||||||||
| 9221915 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 9 years 1 month at current residence. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 16 years 3 months at current job. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 16.32% is 33.6814.88% below the 50% allowed for the program. | |||||||||||||||
| 9222007 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 5 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 816 CFCFS5269: Minimal use of credit - XXX Comments: 2% consumer credit utilization in file | |||||||||||||||
| 9221960 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing completion cert. Subject to appraisal in file. | 8-6-25 Client uploaded updated appraisal. | 8-6-25 XXX reviewed appraisal which is "as is" and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: 26% consumer credit utilization in file CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20.50 months piti reserves CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences |
| 9222099 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: The borrowers have resided at current residence for 5 years. CFCFS1737: LTV below guideline requirements - XXX Comments: 65% LTV below guideline requirements of 75% per program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Median FICO of 756 exceeds the guideline program minimum of 700. | |||||||||||||||
| 9222225 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject property condo questionnaire shows 94.8% investor owned units. 60% investor concentration is maximum allowed per guidelines. Lender approved exception in file. XXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score 716/660 minimum required, 75% LTV/80% max, 8.04 months cash reserves/0 months required and 16 years at current residence. | (No Data) | 8.12.25 XXX accepts B grade | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has lived 16 years at primary residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 716 mid-score per CBR. 660 minimum. CFCFS1737: LTV below guideline requirements - XXX Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines due to declining market reduction. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 8.04 months of reserves in file. 0 months required. |
| 9222117 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4238 | Business entity does not meet guidelines | No | Missing documentation XXX is in good standing. | 7-22-25 Client uploaded State printout that reflects Active and annual report filed XXX. | 7-23-25 XXX reviewed State printout that reflects Active and annual report filed XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 21.77 months reserves, 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 714 exceeds the minimum of 660 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 49 months reviewed for primary residence mtg exceeds the required 12 months |
| 9221911 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash out calculates to 45.67 months piti reserves CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 70%. G/l max is 75% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences | |||||||||||||||
| 9221981 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 7 years. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV is 59.07% and maximum is 70% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post closing reserves XXX, 61.83 months; 6 months required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 680 fico score and the minimum score is 620 | |||||||||||||||
| 9222046 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 6 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 18 months ITIA vs 0 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 814 is 154 points above the 660 FICO required for the program. | |||||||||||||||
| 9222071 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 23 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 28.49 months piti reserves CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - XXX Comments: Borrower does not have any major mortgage related occurrences | |||||||||||||||
| 9222214 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrowers are considered first time investors and currently live free, this is not allowed in the NONI program. XXX considers this as non material, both borrowers are living in spousal homes, have good credit with score of 778/700, and over 6 months reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Verified reserves of XXX or months PITI reserves exceeds required reserves of (XXX x 6 = XXX). CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 778 exceeds guidelines. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has resided at their primary residence for 19 years. |
| 9222188 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS5269: Minimal use of credit - XXX Comments: Minimal use of available revolving credit lines @ 11.97% CFCFS2860: Good credit history - XXX Comments: Consumer debt: 0x30 x greater than 99 months CFCFS1741: Credit score exceeds guidelines - XXX Comments: 713 mid score > minimum required of 700 | |||||||||||||||
| 9221939 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: FICO 765 exceeds minimum required 660 CFCFS5269: Minimal use of credit - XXX Comments: Credit is not overextended, minimal use of revolving and overall credit usage CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash reserves = XXX, 105.17 months. 6 months required. | |||||||||||||||
| 9222154 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 75% is below the maximum of 85% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 761 exceeds the minimum of 660 CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves XXX, 69.98 months reserves, 0 months required CFCFS5269: Minimal use of credit - XXX Comments: 13% revolving credit utilized CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 40 months reviewed on primary residence mtg exceeds the required 12 months | |||||||||||||||
| 9031935 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 32 months ITIA is 29 months greater than the 3 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 686 is 46 points above the 640 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 70% is 5% below the 75% LTV allowed for the program. | |||||||||||||||
| 8442356 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final Hud. | 10.18.2024-Client's response: October 18th 2024, 3:36:01 pmFinal settlement statement has been uploaded, please clear condition.10.18.2024-XXX's response: Received the final HUD1, exception satisfied. | 10.18.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 35 months PITIA is 32 months greater than the 3 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 688 is 68 points above the 620 FICO required for the program. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 7 years at current residence. |
| 8999072 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 962.49 months. 6 months required. CFCFS1736: Significant time at current residence - XXX Comments: In residence 17 years. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score of 727 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0. | |||||||||||||||
| 9165705 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of canceled checks (front & back) for the private mortgage to XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Demonstrates Good Credit History CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 161+ Months reporting CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 56+ Months reporting |
| 9101386 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are XXX, or 111.83 months. 3 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 65% is below guideline maximum of 80% for a DSCR cash out refinance with a 733 credit score. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has never been 1X30 with history from XXX | |||||||||||||||
| 9165694 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 5.14.25 Final settlement statement has been provided5.15.25 exception satisfied | 5.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 768 credit score; 620 minimum required score CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned the primary residence 16 years CFCFS2854: Significant time in profession - XXX Comments: Borrower has 16 years in the same profession |
| 9165695 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 5.14.25 Final settlement statement has been provided,5.15.25 exception satisfied | 5.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 16.62 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 768 qualifying score exceeds 620 requirements CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary / current residence for 16+ years. |
| 9165696 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 5.20.25 Final settlement statement has been provided5.20.25 exception satisfied | 5.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary / current residence for 19+ years CFCFS1741: Credit score exceeds guidelines - XXX Comments: 768 qualifying score exceeds 620 requirements CFCFS2854: Significant time in profession - XXX Comments: Borrower have stable employment being XXX with same company for the past 19 years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 19.53 months PITI exceeds guideline requirements |
| 9165684 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Application | Satisfied | C | A | C | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Fraud report is incomplete, only 3 pages. All participant searches including appraisers is missing. | 5.15.2025 Client responded -The full fraud report has been provided, please clear condition.5.15.2025 Client provided the full Fraud report. Exception satisfied | 5.15.2025 Exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 75% is below the maximum of 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 791 exceeds the minimum of 620 CFCFS2860: Good credit history - XXX Comments: 11% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back $XXX, 20.32 months reserves, 6 months required |
| 9165684 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing verification from owner of primary residence borrower lives rent free and for how long. Per loan approval, it was conditioned for. There is a letter from borrower addressing his residence for the last 2 years. | 5.15.2025 Client responded -Rent free letter has been provided, please clear condition.5.15.2025 Client provided the LOE for Rent free. The LOE states the borrower lives rent free since XXX and has not been obliged to pay rent. Exception satisfied | 5.15.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 75% is below the maximum of 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 791 exceeds the minimum of 620 CFCFS2860: Good credit history - XXX Comments: 11% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back $XXX, 20.32 months reserves, 6 months required |
| 9165684 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing Data verify report verifying if both appraisers are on any watchlist | 5.15.2025 Client responded -The full fraud report has been provided, please clear condition.5.15.2025 Client provided a full Fraud report. Appraiser is not on the watchlist. Exception satisfied | 5.15.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 75% is below the maximum of 80% CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit Score 791 exceeds the minimum of 620 CFCFS2860: Good credit history - XXX Comments: 11% revolving credit utilized CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Back $XXX, 20.32 months reserves, 6 months required |
| 9165650 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 5.20.2025-Client's response: May 20th 2025, 3:55:29 pmfinal SS for review.5.20.2025-XXX's response: Received the Final HUD1, exception satisfied. | 5.20.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned the primary residence 10 years CFCFS1739: Postive mortgage payment history - XXX Comments: 0x30x253 mortgage payment history since XXX CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Credit reflects oldest tradeline date XXX. |
| 9165650 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting the appraised value. | 5.20.2025-Client's response: May 20th 2025, 3:45:34 pmplease find the CU5.20.2025-XXX's response: Received the UCDP with a score of 1, exception is satisfied. | 5.20.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned the primary residence 10 years CFCFS1739: Postive mortgage payment history - XXX Comments: 0x30x253 mortgage payment history since XXX CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: Credit reflects oldest tradeline date XXX. |
| 9165594 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 90.17 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 647 qualifying score exceeds 620 requirements CFCFS1737: LTV below guideline requirements - XXX Comments: 67.98% LTV < guideline maximum of 70% | |||||||||||||||
| 9165589 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing XXX, unexpired XXX or XXX form with valid extension dates. | 5.22.2025 Client responded -XXX and unexpired XXX have been provided, please clear condition.5.22.2025 Client provided the updated XXX for the borrower XXX application. Exception satisfied | 5.22.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 37+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. CFCFS1739: Positive mortgage payment history - XXX Comments: Guarantor demonstrates positive mortgage payment history. |
| 9165589 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Utility bill to be translated to English. | 5.20.2025 Client responded -Translation has been provided, please clear condition.5.20.2025 Client provided the SGA utility bill translated to English. Exception satisfied | 5.20.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 37+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. CFCFS1739: Positive mortgage payment history - XXX Comments: Guarantor demonstrates positive mortgage payment history. |
| 9165611 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 65+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 8+ years. | |||||||||||||||
| 9165632 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 72.20% is greater than 70% allowed per guidelines.XXX deems this non-material due to the following compensating factors of 33 tradelines, 20 years of payment, 3 years at primary that is Free and clear and 0 x 30 mortgage lates. | (No Data) | Exception has been deemed non-material and re-graded to a B. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 233 months credit history exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 58+ months reserves exceeds guidelines. CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 3 years. |
| 9165632 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Minimum equity of $XXX is less than Guideline requirement of $XXX.XXX deems this non-material due to the following compensating factors of 33 tradelines, 20 years of payment, 3 years at primary that is Free and clear and 0 x 30 mortgage lates. | (No Data) | Exception has been deemed non-material and re-graded to a B. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 233 months credit history exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 58+ months reserves exceeds guidelines. CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 3 years. |
| 9165700 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide the Income Worksheet with the expense factor. | 5.7.25 Income worksheet with expense factor has been provided5.7.25 exception satisfied | 5.7.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 14.92 months. 6 months required. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 3.89% is below guideline maximum of 50%. CFCFS1734: Borrower has significant time at current job - XXX Comments: Per state registry borrower has been in business since XXX. |
| 9165654 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - XXX Comments: 67.66% LTV < guideline maximum of 75.00% CFCFS1741: Credit score exceeds guidelines - XXX Comments: 692 qualifying score exceeds 620 requirements CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 31.27 months PITI CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary / current residence for 5 years | |||||||||||||||
| 9165631 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 30.90 months. 6 months required. CFCFS1736: Significant time at current residence - XXX Comments: In residence 5 years. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has never been 1X30 with history from XXX. | |||||||||||||||
| 9165628 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Missing Title Commitment. | 5.14.25 Title commitment has been provided,5.15.25 exception satisfied | 5.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 29+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 751 Credit score exceeds guidelines. |
| 9165701 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 25 months PITIA is 19 months greater than the 6 months reserves required. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 14 years at current residence. CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 13 years 6 months at current job. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 742 is 82 points above the 660 FICO required for the program. CFCFS1744: DTI below guideline requirement - XXX Comments: Qualifying DTI (Back) of 18.07% is 31.93% below the 50% allowed for the program. | |||||||||||||||
| 9165625 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing required documentation in file for citizenship/residency for Borrower 3 - YCB | 5.15.2025-Client's response: May 15th 2025, 12:51:42 amYCB - Copies the XXX & XXX forms along with a copy of the temporary XXX have been provided, please clear condition.5.15.2025-XXX's response: Received the XXX & XXX form which have expired. Please resend the temporary XXX expiring XXX for review. Exception remains5.19.2025-Client's response: May 19th 2025, 11:26:50 amThe document regarding the temporary XXX expiring XXX has been uploaded.5.19.2025-XXX's response: Please upload the document; exception remains.5.28.2025-Client's response: May 22nd 2025, 11:38:00 amThe document regarding the temporary XXX expiring XXX has been uploaded.5.28.2025-XXX's response: Received the Notice of Temporary Status extension; exception is satisfied. | 5.16.2025 Exception remains5.19.2025-Exception remains.5.28.2025-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 54 months with 0x30 Mortgage payment history exceeds guidelines of 12 months CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 18.66 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 743 qualifying score exceeds 620 requirements |
| 9165625 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Guideline max LTV for NPRA 70%; Borrower LTV 75% ; XXX deems this non-material due to the following compensating factors: 743 FICO, 53 months 0 X 30 mortgage history, 18.66 months reserves. | (No Data) | Exception has been deemed non-material and re-graded to a B. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 54 months with 0x30 Mortgage payment history exceeds guidelines of 12 months CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 18.66 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 743 qualifying score exceeds 620 requirements |
| 9165613 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 196+ Months reporting CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 29 Months Reserves reporting CFCFS2860: Good credit history - XXX Comments: Very Good Credit History | |||||||||||||||
| 9165672 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Mortgagee reflects XXX | 5.14.2025-Client's response: May 13th 2025, 4:28:35 pmThe XXX policy was provided in error as it has expired and a new policy was issued by XXX. Copy of the correct policy has been uploaded, please clear condition5.14.2025-XXX's response: Document not received; please upload declaration page. Exception remains.5.15.2025-Client's response: May 15th 2025, 11:42:22 amPolicy uploaded.5.15.2025-XXX's response: Received the HOI, exception satisfied. | 5.14.2025-Exception remains.5.15.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 10 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 46+ Months reporting CFCFS1739: Postive mortgage payment history - XXX Comments: Positive Mortgage History |
| 9165672 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Guarantor is XXX and Proposed Insured is XXX. | 5.14.2025-Client's response: May 13th 2025, 4:21:47 pmThis information matches the Note and Deed of Trust, please clear condition.5.14.2025-XXX's response: Title matches the lender; exception is satisfied. | 5.14.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 10 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 46+ Months reporting CFCFS1739: Postive mortgage payment history - XXX Comments: Positive Mortgage History |
| 9165666 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 784 qualifying score exceeds 620 requirements CFCFS1737: LTV below guideline requirements - XXX Comments: 60.00% LTV < guideline maximum of 80% CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 78.10 months PITI > required guidelines | |||||||||||||||
| 9165676 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard policy | 5.14.2025-Client's response: May 13th 2025, 5:03:15 pmHazard insurance has been provided, please clear condition.5.14.2025-XXX's response: Received the hazard insurance; exception is satisfied. | 5.14.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 770 qualifying score exceeds 620 requirements CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 16.84 months PITI > required guidelines CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 60 months with 0 x 30 Mortgage payment history exceeds guidelines of 12 months. |
| 9165636 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 103+ months reserves exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Guarantor demonstrates positive mortgage payment history. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. | |||||||||||||||
| 9165600 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 5 years 9 months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 84 months PITIA vs 0 months reserves required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 25.93% is 54.07% below the 80% LTV allowed for the program. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 766 is 146 points above the 620 FICO required for the program. | |||||||||||||||
| 9165656 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Minimum equity is less than Guideline requirement of $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 7+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 7 years. |
| 9165656 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | CU score 2.9 missing additional third party valuation. | 5.20.25 DVR provided which supports the value of the appraisal. 5.20.25 exception satisfied | 5.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 7+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 7 years. |
| 9165633 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 104+ months reserves exceeds guidelines. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 4 years. | |||||||||||||||
| 9165655 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of $XXX. | 5.20.25 DVR provided supports the appraisal value. 5.20.25 exception satisfied | 5.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 24.61 months. 6 months required. CFCFS1739: Postive mortgage payment history - XXX Comments: Borrower has never been 1X30 with history from XXX. CFCFS2860: Good credit history - XXX Comments: Borrower has never been 1X30 with history from XXX. |
| 9165699 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 5.16.25 final SS uploaded5.16.25 exception satisfied | 5.16.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Per state registry borrower has been in business since XXX. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 44.73% is below guideline maximum of 50%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: Post close reserves are $XXX, or 34.14 months. 6 months required. |
| 9165699 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds guideline maximum of 75% for an Alt Doc purchase with a 687 credit score.XXX deems non-material/non-fatal to lending decision with credit score only 13 points from being eligible for 80% LTV and the following compensating factors: DTI of 44.72%/50% is maximum, 34.14 months cash reserves/6 months required and B's been XXX since XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Per state registry borrower has been in business since XXX. CFCFS1744: DTI below guideline requirement - XXX Comments: DTI of 44.73% is below guideline maximum of 50%. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets: Post close reserves are $XXX, or 34.14 months. 6 months required. |
| 9165612 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing homeowners declarations page. | 5.15.25 haz for review, 5.16.25 exception satisfied | 5.16.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 295 months credit history exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Guarantor demonstrates positive mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 8+ months reserves exceeds guidelines. |
| 9165612 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 5.16.25 final SS for review.5.19.25 Final SS was not executed. exception remains. 5.29.2025-Client's response: May 28th 2025, 4:29:49 pmstamped final.5.29.2025-XXX's response: Received the Final HUD1, exception is satisfied. | 5.19.25 exception remains.5.29.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 295 months credit history exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Guarantor demonstrates positive mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 8+ months reserves exceeds guidelines. |
| 9165601 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 93.03 months. Reserves not required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 57.36% is below guideline maximum of 80% for a DSCR cash out refinance with an 809 credit score. CFCFS1736: Significant time at current residence - XXX Comments: In residence 8 years | |||||||||||||||
| 9165555 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing the HOA/Condo Questionnaire/Certification | 5.20.25 HOA questionnaire has been provided,5.20.25 exception satisfied | 5.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 732 qualifying score exceeds 660 requirements CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV < guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 41.00 months PITI > guideline requirements |
| 9165561 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Pending due to DTI of 53.99% being over 43% maximum per XXX guideline. | May 16th 2025, 12:23:54 pm Client replied: Personal account #XXX total income $17,299.82; 0% expense as we have business as well which is allowed per guidelines. Business account #XXX total income $5884.46; 30% expense factor Total income $23,144.28 with DTI at 40%Adjusted calculations per XXX review. XXX account XXX- reducing XXX deposits to $33,857.17 and excluding $2063.49 from XXX. Total deposits are $201,870.60 / 12 = $16,822.55. Per XXX guidelines section 7.3, Personal Bank statements are only treated as Business Bank statements if a business bank account doesnt exist. This file has Business Bank accounts. Therefore, per XXX guidelines, income is determined by using 100% of the personal bank statements average gross monthly amount of deposits XXX Account XXX Used XXX calculation of income $93,115.78 X70%/12= $5,431.75. $16,822.55 + $5,431.75 = $22,254.30 monthly income. This results in back end DTI of 41.75%. Please clear exception.XXX' response:June 5th 2025, 1:08:26 pmAdjusted calculations per XXX review. XXX account XXX- reducing XXX deposits to $33,857.17 and excluding $2063.49 from XXX. Total deposits are $201,870.60 / 12 = $16,822.55. Per XXX guidelines section 7.3, Personal Bank statements are only treated as Business Bank statements if a business bank account doesnt exist. This file has Business Bank accounts. Therefore, per XXX guidelines, income is determined by using 100% of the personal bank statements average gross monthly amount of deposits XXX Account XXX Used XXX calculation of income $93,115.78 X70%/12= $5,431.75. $16,822.55 + $5,431.75 = $22,254.30 monthly income. This results in back end DTI of 41.75%. Please clear exception.6.05.2025-XXX's response upon further review of the income documents the income is support; exception is satisfied | 5-20-25 XXX reviewed the updated bank statement calculators.XXX XXX calculation has incorrect deposits for XXX which were $33,857.17 (not $38,385.17) and XXX excluded should be $2063.49 (refund $1234.80 + $826.88 XXX return + 1.81 Interest). This account (XXX) although a personal account is being treated like a business account which guidelines require an expense factor applied to income calculation. XXX XXX calculation now reflects the correct deposit amounts however it does not reflect any excluded deposits which we calculated to be $7,761.07 bringing eligible deposits to $93,115.78 X70%/12= $5,431.75. Exception remains. 5.03.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 26 years 4 months at current job. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 784 is 84 points above the 700 FICO required for the program. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 72 months exceeds the required 12 months. |
| 9165561 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | Federal Higher-Priced | Satisfied | D | A | D | A | CMPFDHP2960 | Federal Higher-priced mortgage loan - flip appraisal Seller acquired property within 90 days of sale; Appraisal from second appraiser required | No | Missing second appraisal required due to the Seller acquiring the property on XXX which is less than 90 days from the transaction dated of XXX and more than a 10% price increase. | May 15th 2025, 6:17:36 pm Client uploaded review supporting the value. | 5-20-25 XXX reviewed the DVR Non-Owner Occupied Review document provided which is a review appraisal and an XXX AVM with estimated value of $XXX dated 4-17-25. XXX reviewed XXX guidelines page 77 section 13.2 which states an additional full appraisal is required by XXX when the subject loan purchase price is greater than the seller's recent acquisition price. Exception remains. 6.05.2025-Client's response: June 3rd 2025, 1:16:38 pmplease find 2nd appraisal.6.05.2025-Received the second appraisal with a value of $XXX dated XXX. Value is within tolerance (10%) of the first appraisal. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 26 years 4 months at current job. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 784 is 84 points above the 700 FICO required for the program. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 72 months exceeds the required 12 months. |
| 9165561 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide evidence that borrower acknowledged receipt of CD dated XXX, 3 days prior to consummation date of XXX | 5.19.25-Client provided proof of receipt of CD XXX, via electronic delivery. Satisfied. | 5.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 26 years 4 months at current job. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 784 is 84 points above the 700 FICO required for the program. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 72 months exceeds the required 12 months. |
| 9165561 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD dated XXX, 3 days prior to consummation date of XXX | 5.19.25-Client provided proof of receipt of CD XXX, via electronic delivery. Satisfied. | 5.19.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 26 years 4 months at current job. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 784 is 84 points above the 700 FICO required for the program. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 72 months exceeds the required 12 months. |
| 9165561 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves of 5.67 months PITI is less than the minimum 6 months reserves required. Short $XXX.XXX deems non-material/non-fatal to lending decision due to shortage of less than half of a months PITIA and compensating factors: 784 credit score/700 minimum, and over 26 years on the job. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 26 years 4 months at current job. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 784 is 84 points above the 700 FICO required for the program. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 72 months exceeds the required 12 months. |
| 9165561 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | Debt Ratio of 53.99% is greater than the maximum Debt Ratio allowed of 43% for a loan above 85% LTV.Income calculated at: Deposits $201,867.43 + $93,115.78 = $294,983.21 / 12 x 70% (30% expense factor) = $17,207.35 monthly. Lender incorrectly calculated income of $23,728.00 monthly by using the wrong bank account statement for XXX and XXX XXX. | May 16th 2025, 12:23:54 pm Client replied: Personal account #XXX total income $17,299.82; 0% expense as we have business as well which is allowed per guidelines. Business account #XXX total income $5884.46; 30% expense factor Total income $23,144.28 with DTI at 40%Client's respone: XXXMay 20th 2025, 5:41:58 pm5-20-25 XXX reviewed the updated bank statement calculators. XXX XXX calculation has incorrect deposits for XXX which were $33,857.17 (not $38,385.17) and XXX excluded should be $2063.49 (refund $1234.80 + $826.88 XXX return + 1.81 Interest). This account (XXX) although a personal account is being treated like a business account which guidelines require an expense factor applied to income calculation. XXX XXX calculation now reflects the correct deposit amounts however it does not reflect any excluded deposits which we calculated to be $7,761.07 bringing eligible deposits to $93,115.78 X70%/12= $5,431.75. Exception remains.XXXMay 28th 2025, 3:57:53 pmPlease find the exception for review.XXXMay 30th 2025, 10:22:19 amexception for DTI of 53.99% cannot be accepted when DTI MAX is 43%. - exception remains.XXXJune 2nd 2025, 3:45:32 pmwe are unable to locate a $7761.07 deposit and or what month they are referencing. Can you provide clarification?XXXJune 5th 2025, 1:08:26 pmAdjusted calculations per XXX review. XXX account XXX- reducing XXX deposits to $33,857.17 and excluding $2063.49 from XXX. Total deposits are $201,870.60 / 12 = $16,822.55. Per XXX guidelines section 7.3, Personal Bank statements are only treated as Business Bank statements if a business bank account doesnt exist. This file has Business Bank accounts. Therefore, per XXX guidelines, income is determined by using 100% of the personal bank statements average gross monthly amount of deposits XXX Account XXX Used XXX calculation of income $93,115.78 X70%/12= $5,431.75. $16,822.55 + $5,431.75 = $22,254.30 monthly income. This results in back end DTI of 41.75%. Please clear exception.XXX' response:June 5th 2025, 1:08:26 pmAdjusted calculations per XXX review. XXX account XXX- reducing XXX deposits to $33,857.17 and excluding $2063.49 from XXX. Total deposits are $201,870.60 / 12 = $16,822.55. Per XXX guidelines section 7.3, Personal Bank statements are only treated as Business Bank statements if a business bank account doesnt exist. This file has Business Bank accounts. Therefore, per XXX guidelines, income is determined by using 100% of the personal bank statements average gross monthly amount of deposits XXX Account XXX Used XXX calculation of income $93,115.78 X70%/12= $5,431.75. $16,822.55 + $5,431.75 = $22,254.30 monthly income. This results in back end DTI of 41.75%. Please clear exception.6.05.2025-XXX's response upon further review of the income documents the income is support; exception is satisfied. | 5-20-25 XXX reviewed the updated bank statement calculators.XXX XXX calculation has incorrect deposits for XXX which were $33,857.17 (not $38,385.17) and XXX excluded should be $2063.49 (refund $1234.80 + $826.88 XXX return + 1.81 Interest). This account (XXX) although a personal account is being treated like a business account which guidelines require an expense factor applied to income calculation. XXX XXX calculation now reflects the correct deposit amounts however it does not reflect any excluded deposits which we calculated to be $7,761.07 bringing eligible deposits to $93,115.78 X70%/12= $5,431.75. Exception remains. 5.06.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - XXX Comments: Borrower has 26 years 4 months at current job. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 784 is 84 points above the 700 FICO required for the program. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: Mortgage payment history of 72 months exceeds the required 12 months. |
| 9165604 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 751 qualifying score exceeds 620 requirements CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 46.71 months PITI > required guidelines CFCFS1737: LTV below guideline requirements - XXX Comments: 70% LTV < guideline maximum of 80% | |||||||||||||||
| 9165602 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 5.15.25 Final SS for review.5.16.26 exception satisfied | 5.16.26 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: 60.22% LTV < guideline requirements 80% CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary / current residence for 12+ years CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Assets$XXX reserves in file or 44.61 months PITI |
| 9165668 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 104 months of 0x30 consumer credit history per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 5.9 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - XXX Comments: 757 mid-score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 154.35 months of reserves in file. | |||||||||||||||
| 9165670 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 8+ months reserves exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Guarantor demonstrates positive mortgage payment history. CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 3+ years. | |||||||||||||||
| 9165623 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 75% is greater than 70% allowed per guidelines on a non-arms length transaction. Exception in file with compensating factors of Fico 725, 7 tradelines, 5 years monthly payments 40 months for mtg. derogs and Purchase transaction. | (No Data) | Exception has been deemed non-material and re-graded to a B. | (No Data) | Not Applicable | CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 7+ months reserves exceeds guidelines. CFCFS1739: Postive mortgage payment history - XXX Comments: Guarantor demonstrates positive mortgage payment history. |
| 9165580 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Compliance | Section 32 | Satisfied | C | B | C | B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Adjusted Charges are $XXX (5.647%).Max Allowed is $XXX (5.0%). Fees exceed maximum by $XXX (.647%). No XXX was provided to show if discount fees charged were bona fide. | 5.21.25-Client provided XXX report , which disclosed the starting undiscounted rate. Satisfied. | 5.21.25-. Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 746 qualifying score exceeds 620 requirements CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 25.29 months PITI > required guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower has stable employment being in the same field for the past 9+ years |
| 9165580 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA to support appraisal value; CU score 2.6 | 5.20.2025-Client's response: May 20th 2025, 10:40:47 amDVR provided supports the appraisal value, please clear condition.5.20.2025-XXX's response: Received the Desk Review which supports value, exception is satisfied. | 5.20.2025-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 746 qualifying score exceeds 620 requirements CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 25.29 months PITI > required guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower has stable employment being in the same field for the past 9+ years |
| 9165580 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Property Valuations | Property | Active | D | B | D | B | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Provide HOA Certificate/Questionnaire. | 5.20.2025-Client's response: May 20th 2025, 10:39:54 amCondo questionnaire has been provided, please clear condition.5.20.2025-XXX's response: Received HOA Certificate/Questionnaire; one investor owns 38% of the units. XXX deems this non-material. Compensating factors: 746 FICO, 80% LTV, 25 months in reserves. | 5.20.2025-Non-Material. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 746 qualifying score exceeds 620 requirements CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 25.29 months PITI > required guidelines CFCFS2854: Significant time in profession - XXX Comments: Borrower has stable employment being in the same field for the past 9+ years |
| 9165651 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 5.20.25 Final settlement statement has been provided.5.22.25 exception satisfied | 5.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has lived at current residence 11 years. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 4+ months reserves exceed guidelines. |
| 9165648 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 811 qualifying score exceeds 620 requirements CFCFS1737: LTV below guideline requirements - XXX Comments: 56.99% LTV < guideline maximum of 80% CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary / current residence for 20+ years CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 144 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 9165642 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Guarantor has 5 years 10 months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 9 months PITIA vs 0 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 745 is 125 points above the 620 FICO required for the program. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 65% is 10% below the 75% LTV allowed for the program. | |||||||||||||||
| 9165644 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Provide 1004D showing all repairs from appraisal completed. | 5.19.25 1004D showing all repairs from appraisal completed has been provided,5.20.25 exception satisfied | 5.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 77.33 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower has owned primary / current residence for 6 years. CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned primary / current residence for 6 years. |
| 9165645 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Borrower has collection (XXX / XXX) reporting XXX for $617., which remains unpaid at closing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 43.75 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 647 qualifying score exceeds 620 requirements CFCFS1737: LTV below guideline requirements - XXX Comments: 60.0% LTV < guideline maximum of 80% |
| 9165645 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of canceled checks for the rental payments. (front & back). | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 43.75 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 647 qualifying score exceeds 620 requirements CFCFS1737: LTV below guideline requirements - XXX Comments: 60.0% LTV < guideline maximum of 80% |
| 9165645 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open trade line, with 2 x 30, which is less than guideline requirements | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 43.75 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 647 qualifying score exceeds 620 requirements CFCFS1737: LTV below guideline requirements - XXX Comments: 60.0% LTV < guideline maximum of 80% |
| 9165665 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Appraisal | Active | B | B | B | B | PRVAAPPR110 | Marketing Time > 6 mo's | No | Missing Letter of explanation. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 15+ months reserves exceeds guidelines. CFCFS1739: Positive mortgage payment history - XXX Comments: Guarantor demonstrates positive mortgage payment history. CFCFS2860: Good credit history - XXX Comments: Guarantor demonstrates good credit history. |
| 9165704 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - XXX Comments: 226+ Months reporting CFCFS2860: Good credit history - XXX Comments: Very Good Credit History CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 71 Months Reserves | |||||||||||||||
| 9165667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 784 is 104 points above the 680 FICO required for the program. CFCFS2860: Good credit history - XXX Comments: Borrower is 0x30 on all accounts for the past 8 years reviewed. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 75% is 5% below the 80% LTV allowed for the program. | |||||||||||||||
| 9165552 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Post close reserves are $XXX, or 33.19 months. 6 months required. CFCFS1737: LTV below guideline requirements - XXX Comments: LTV of 85% is below guideline maximum of 90% for an Alt Doc purchase with a 787 credit score. CFCFS1734: Borrower has significant time at current job - XXX Comments: Per state registry borrower has been in business since XXX. | |||||||||||||||
| 9165640 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has owned the primary residence 8 years CFCFS1737: LTV below guideline requirements - XXX Comments: 76.5% LTV; 80% maximum LTV CFCFS1741: Credit score exceeds guidelines - XXX Comments: 780 credit score; 620 minimum required score CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX post close reserves, 22.19 months PITI; 6 Months required reserves | |||||||||||||||
| 9165664 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH119 | Consumer lates exceed guidelines | No | Co-Borrower has 2 x 30 and 1 x 30 consumer lates, as well as 1 x 30 mrtg lates within 12 months > guideline max | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 263.86 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 716 qualifying score exceeds 620 requirements CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have lived in / owned primary residence for 19+ years. |
| 9165664 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation review to support original appraised value. | 5.22.25 uploaded the CU for review.5.27.25 exception satisfied | 5.22.25 uploaded the CU for review.5.27.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: $XXX reserves in file or 263.86 months PITI > required guidelines CFCFS1741: Credit score exceeds guidelines - XXX Comments: 716 qualifying score exceeds 620 requirements CFCFS1736: Significant time at current residence - XXX Comments: Borrowers have lived in / owned primary residence for 19+ years. |
| 9156993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4238 | Business entity does not meet guidelines | No | The subject is vested in an entity whose member is an entity. The file includes an XXX approval dated XXX for the business being a nested entity. | The file includes an XXX approval dated XXX for the business being a nested entity. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has $XXX or 216.86 months reserves, Guidelines require 3 months. |
| 9157009 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The note was not signed by the borrower. | Received the executed note | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 19 months reserves after closing. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower credit score is 809 and exceed guide requirement |
| 9173466 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 40.76 months of cash reserves. | |||||||||||||||
| 9173503 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Borrower has $XXX or 307.61 months reserves, Guidelines require 3 months. | |||||||||||||||
| 9173505 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 286.77 months of cash reserves. | |||||||||||||||
| 9173506 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 253 months of cash reserves. | |||||||||||||||
| 9182110 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | The verification of mortgage for the subject was not in the loan file. | Received verification of mortgage | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 8 months reserves after closing. |
| 9182110 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The Verification of Rent for the borrowers primary residence XXX for $XXX. | Received VOR for the borrowers primary residence. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 8 months reserves after closing. |
| 9158606 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing Appraiser search on the XXX Participant list to verify if on a watchlist. | 6-6-25: client uploaded copy of fraud report. | 6-6-25: XXX reviewed updated fraud report, appraiser is not on watch list. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Cash Reserves $XXX, 134.67 months reserves, 6 months required CFCFS1741: Credit score exceeds guidelines - XXX Comments: Credit score 783 exceeds the minimum of 700 CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 61 months reviewed for primary residence mtg exceeds the 12 months required CFCFS5269: Minimal use of credit - XXX Comments: 1% of revolving credit utilized |
| 9222235 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has been at current residence for 18 years CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying fico is 773. G/l min is 700 CFCFS5269: Minimal use of credit - XXX Comments: 10% consumer credit utilization in file | |||||||||||||||
| 9222171 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - XXX Comments: Borrower has 8 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: Reserves of 119 months PITIA is 113 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - XXX Comments: Qualifying FICO of 795 is 95 points above the 700 FICO required for the program. | |||||||||||||||
| 9222019 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - XXX Comments: 776 B1 mid-score qualified per CBR. CFCFS1736: Significant time at current residence - XXX Comments: 6 years living at primary residence. CFCFS1737: LTV below guideline requirements - XXX Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - XXX Comments: 280 months of 0x30 mortgage history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 7.11 months of reserves in file. | |||||||||||||||
| 9081756 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The Personal Guaranty was signed by the borrower as a member of the LLC which is not permitted. Please provide a corrected Personal Guaranty signed by the borrower as individual and not member. | Received Personal Guaranty signed by the borrower as an individual. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 121 months of cash reserves. |
| 9081756 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4238 | Business entity does not meet guidelines | No | The tax ID for XXX was not in the file as required since subject is vested in this entity. | Received EIN tax number. | Cleared. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 121 months of cash reserves. |
| 9100926 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The automated fraud and data check tool report was not in the file. | Received fraud report | Cleared | Not Applicable | Not Applicable | CFCFS2860: Good credit history - XXX Comments: No derogatory information reflected on the credit profile. |
| 9111438 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 98 months reserves after closing. | |||||||||||||||
| 9111453 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The fraud report was missing from the loan file. | Received fraud report | Cleared | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 36 months reserves after closing. |
| 9111453 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood cert | Received flood cert | Claeared | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 36 months reserves after closing. |
| 9111453 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing hazard insurance . Used amt on CD. | Received hazard insurance | Cleared | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 36 months reserves after closing. |
| 9111453 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing the escrow disclosure, occupancy affidavit, patriot act, | Received occupancy aff, escrow discl and borrower id. | Cleared | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 36 months reserves after closing. |
| 9111453 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008 | Received approval and 1008 | Cleared | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 36 months reserves after closing. |
| 9111453 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL4871 | Missing Title Certification | No | Missing the tax cert . Reviewer used the amt on title. | Received tax cert | Cleared | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: The borrower has 36 months reserves after closing. |
| 9125128 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The deed transferring the subject from the borrowers' entity (XXX) to the borrowers individually was not in the file. The title comment shows the subject is vested in the entity but the deed of trust shows the borrowers individually. | Received QCD. | Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - XXX Comments: LTV 77.173%, guidelines allow 80%. |
| 9130206 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 9166089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP2298 | Missing Second Appraisal | No | According to the underwriting guidelines, an appraisal review is required for all loans. The review must be a Collateral Desktop Analysis (CDA) from XXX or an independent vendor; or ARR from XXX. In this case, the appraisal review product is missing from the loan file.The CU/LCA score was not in the file either. | Received CDA | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20 months of cash reserves. |
| 9166089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | The Credit Report for the borrower is missing from the loan file. | Received credit report | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20 months of cash reserves. |
| 9166089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | The Flood Certification for the subject property is missing from the loan profile. | Received flood cert | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20 months of cash reserves. |
| 9166089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The Hazard Insurance policy for the subject property is missing from the loan file. Audit used the $XXX premium shown on the CD for calculation purposes. | HOI provided for cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20 months of cash reserves. |
| 9166089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4238 | Business entity does not meet guidelines | No | The filed certificate/articles of Incorporation, by-laws, certificate of good standing, tax ID and receipt of current year franchise tax payment or CLEAR search for XXX were missing from the file. These are requires as the loan is vested in the entity name. | Received EIN number, cert of good standing, resolution of members, by laws, receipt of current year franchise tax and filed certificate. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20 months of cash reserves. |
| 9166089 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4643 | Borrower does not meet guideline requirements | No | The file was missing the rent free letter for the borrower's primary residence (XXX), documentation the borrower has experience managing rental properties and documentation of the investment property (XXX) on the REO schedule to verify 12 month mortgage payment history or free and clear ownership. | Received rent free letter. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 20 months of cash reserves. |
| 9173457 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The pay history for the XXX #XXX was not included in the file. The printout shows a balance and it appears the borrowers are using the available credit for closing. This debt was not on the credit report and there is no documentation to indicate when it was opened. | Document provided to cure | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 74 months reserves |
| 9173457 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The complete fraud report was not in the file. The file included the first 3 pages of the DRIVE report. | Document provided to cure | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 74 months reserves |
| 9173483 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The first payment letter shows the loan does not have a prepayment penalty but the note and deed of trust have a prepayment addendum/rider. | Received updated first payment letter showing the loan does have a PPP. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower has a 774 credit score. Minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 84 months of reserves |
| 9173483 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The APN in the legal description of the deed of trust is XXX. This does not match the appraisal, title commitment and assignment of leases and rents rider, which all shows XXX. | Received corrected Deed of Trust with XXX | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower has a 774 credit score. Minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 84 months of reserves |
| 9173483 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal is missing the third bedroom photo for unit 1. | Received updated appraisal with third bedroom photo included. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - XXX Comments: Borrower has a 774 credit score. Minimum required is 720. CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 84 months of reserves |
| 9173511 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The 1008 and seller's DSCR calculated ratio/score results were not in the file. | Document provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 106.73 months of cash reserves. |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | APR Tolerance | Satisfied | B | A | B | A | CMPAPRT110 | APR - Insufficient Information for APR-Payment Stream Testing | No | Missing Final CD for XXX Closing. | (No Data) | Final CD XXX uploaded to file, satisfies exception. | (No Data) | Not Applicable | (No Data) |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage for XXX Closing. | (No Data) | Document uploaded to file satisfies exception. | (No Data) | Not Applicable | (No Data) |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3268 | Note in file is incomplete | No | The note is missing from the loan file. | (No Data) | Document uploaded to file satisfies exception. | (No Data) | Not Applicable | (No Data) |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3280 | One or more Applications in file are incomplete | No | The final 1003 for XXX Closing is missing from the loan file. | Final 1003 provided for cure. | Satisfied. | (No Data) | Not Applicable | (No Data) |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC5551 | Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests | No | Missing Final CD for XXX Closing. | (No Data) | Final CD XXX uploaded to file, satisfies exception. | Hybrid | Not Applicable | (No Data) |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC5553 | Missing sufficient documentation to determine High Cost Fees and APR Limits | No | Missing Final CD for XXX Closing. | (No Data) | Final CD XXX uploaded to file, satisfies exception. | Hybrid | Not Applicable | (No Data) |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3494 | TRID - Loan Estimate Missing | No | Missing Loan Estimate. | (No Data) | Lender provided XXX Initial CD - exception cancelled. | (No Data) | Not Applicable | (No Data) |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | (No Data) | (No Data) | Hazard policy provided to cure. | (No Data) | Not Applicable | (No Data) |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The First Payment Letter is missing from the loan file. | (No Data) | Document provided to cure. Satisfied. | (No Data) | Not Applicable | (No Data) |
| 9190365 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2862 | Copy of Note in file is incomplete | No | Missing NOTE for XXX Closing. | (No Data) | Document uploaded to file satisfies exception. | (No Data) | Not Applicable | (No Data) |
| 9196993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | The Final 1003 is missing from the loan file. | Received DSCR loan app | Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Credit Utilization is .56%. |
| 9196993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | A 12 month housing history for the subject property (XXX) and payoff statement are missing from the loan file. | The payoff statement was provided to cure. Per XXX guides, a housing history is not required. | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Credit Utilization is .56%. |
| 9196993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The complete primary housing history at time of application (XXX) was not provided in the file. It appears the XXX #XXX loan (page 118) that is reviewed through XXX is the primary residence mortgage (VA loan). The XXX credit report shows this mortgage was transferred on XXX but the lender it was transferred to was not reporting on the credit report. | Per XXX Guidelines, a mortgage history is not required. XXX accepts XXX stance on housing history. | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Credit Utilization is .56%. |
| 9196993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | 1008 is missing from the loan file. | XXX accepts lender loan approval in lieu of 1008 | Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - XXX Comments: Credit Utilization is .56%. |
| 9197017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | C | A | C | A | CRDAPP161 | Application is Non-FNMA Form | No | Final 1003 is missing from the loan file. | XXX accepts lender 1003 in lieu of Fnma 1003 | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 34 months of cash reserves. |
| 9197017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | A 12 month housing history for the subject property for XXX and payoff statement missing from the loan file. | XXX guidelines do not require a housing history and XXX accepts policy on housing history. | Satisfy | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 34 months of cash reserves. |
| 9197017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The complete primary housing history at time of application (XXX) was not provided in the file. It appears the XXX #XXX loan (page 118) that is reviewed through XXX is the primary residence mortgage (VA loan). The XXX credit report shows this mortgage was transferred on XXX but the lender it was transferred to was not reporting on the credit report. | XXX guidelines do not require a housing history and XXX accepts policy on housing history. | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 34 months of cash reserves. |
| 9197017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | The effective date for the hazard Insurance policy is XXX, however the closing date is XXX. Making the insurance policy effective after the transaction date. | Received updated HUD reflecting XXX. | Satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 34 months of cash reserves. |
| 9197017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing final Settlement statement | Document provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 34 months of cash reserves. |
| 9197017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The 1008 was not in the file. | XXX accept lender approval in lieu of 1008. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - XXX Comments: 34 months of cash reserves. |
| Client Name: | ||||||||||||||||||||
| Client Project Name: | ||||||||||||||||||||
| Start - End Dates: | 7/8/2024 - 8/10/2025 | |||||||||||||||||||
| Deal Loan Count: | 219 | |||||||||||||||||||
| Conditions Report 2.0 | ||||||||||||||||||||
| Loans in Report: | 219 | |||||||||||||||||||
| Loans with Conditions: | 89 | |||||||||||||||||||
| Loan Number | TRID Indicator | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| 8148625 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 8148628 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137731 | Yes | XXXXXX | XXXXXX | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Not Applicable |
| 9104579 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9104710 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9137744 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9104749 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158396 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 9158408 | Yes | XXXXXX | XXXXXX | D | B | D | B | C | A | N/A | N/A | D | B | D | B | C | B | N/A | N/A | No |
| 9137856 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9137857 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | B | B | C | B | C | B | A | A | B | B | Not Applicable |
| 9158449 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222012 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158524 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158536 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158566 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9158572 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 9158579 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 9221937 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9158591 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 9222144 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9222077 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9158592 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221903 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222132 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 9222119 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222078 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 9221953 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 9222205 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222153 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 9222006 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221945 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221902 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 9221896 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9221909 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9222190 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9222181 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221926 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222130 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9222084 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9222058 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | No |
| 9221972 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222243 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222158 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 9221938 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221942 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221984 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222141 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222090 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 9222177 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221983 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 9221950 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222095 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9221993 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222091 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 9222059 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221992 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221892 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221952 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9221919 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 9222080 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9222138 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221990 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 9221997 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 9222016 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 9221963 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222211 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9221924 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221995 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222096 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221999 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| 9222251 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9222187 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 9222143 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222109 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 9222232 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9221913 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 9222216 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222038 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9222075 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222157 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9222070 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9222104 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222244 | Yes | XXXXXX | XXXXXX | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Yes |
| 9221982 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221894 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9222252 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Yes |
| 9222230 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222035 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9222242 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| 9221971 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222039 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222018 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9221893 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222170 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 9222032 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9222135 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222239 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222133 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222166 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9222097 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9222102 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221920 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222197 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Not Applicable |
| 9221991 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | No |
| 9222098 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222013 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222118 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222151 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221966 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222161 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 9221988 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9222048 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221901 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221932 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 9221931 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9222150 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9221914 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9222003 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222002 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222139 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 9222206 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222213 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221957 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9222120 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221898 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 9221941 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222054 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9221918 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 9222155 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221915 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222007 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9221960 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 9222099 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222225 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| 9222117 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 9221911 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221981 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9222046 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222071 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9222214 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 9222188 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9221939 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9222154 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9031935 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 8442356 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 8999072 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9165705 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 9101386 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9165694 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9165695 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9165696 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9165684 | Yes | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable |
| 9165650 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No |
| 9165594 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9165589 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Yes |
| 9165611 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9165632 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 9165700 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 9165654 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9165631 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9165628 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Yes |
| 9165701 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9165625 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | No |
| 9165613 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9165672 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9165666 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9165676 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9165636 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9165600 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9165656 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Yes |
| 9165633 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9165655 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 9165699 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 9165612 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 9165601 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9165555 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 9165561 | Yes | XXXXXX | XXXXXX | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Not Applicable |
| 9165604 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9165602 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9165668 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9165670 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 9165623 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 9165580 | Yes | XXXXXX | XXXXXX | D | B | A | A | D | B | C | B | D | B | A | A | D | B | C | B | Not Applicable |
| 9165651 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 9165648 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9165642 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9165644 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 9165645 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 9165665 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Yes |
| 9165704 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9165667 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9165552 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9165640 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9165664 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | No |
| 9156993 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 9157009 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9173466 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9173503 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9173505 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9173506 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 9182110 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 9158606 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| 9222235 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222171 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9222019 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9081756 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 9100926 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9111438 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9111453 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 9125128 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9130206 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 9166089 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 9173457 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 9173483 | Yes | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable |
| 9173511 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 9190365 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 9196993 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 9197017 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |