Exhibit 99.02 Schedule 3
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 4000076530 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| 4000080225 | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-06-15 14:11 | 2025-06-18 11:18 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence
Vendor-06/18/2025 Resolved-xxx Business bank statements provided. - Due Diligence Vendor-06/18/2025 Ready for Review-Missing xxx statements - Due Diligence Vendor-06/17/2025 Open-Income and Employment Do Not Meet Guidelines TPR reviewed file and bank statements needed for approval are missing in file as follows: Lender to provide assets statements for xxx xxx from xxx - Due Diligence Vendor-06/15/2025 |
Resolved-Income and Employment Meet Guidelines - Due Diligence
Vendor-06/18/2025 Resolved-xxx Business bank statements provided. - Due Diligence Vendor-06/18/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 25.15 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.03% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 4452151 | ||||
| 4000077721 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000083034 | D | A | D | A | D | A | A | A | Closed | FCOM1208 | 2025-07-21 15:56 | 2025-08-13 07:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-08/13/2025
Ready for Review-ppp note addendum - Due Diligence Vendor-08/12/2025 Open-The Note is Incomplete Executed Note section 4 does not reflect potential PPP. Missing PPP addendum to Note reflected on FCD. - Due Diligence Vendor-07/21/2025 |
Resolved-The Note is Present - Due Diligence
Vendor-08/13/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 4893808 | ||||
| 4000083034 | D | A | D | A | D | A | A | A | Closed | FCRE1158 | 2025-07-21 15:43 | 2025-07-31 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-07/31/2025 Ready for Review-hoi mtgee clause - Due Diligence Vendor-07/31/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Mortgagee clause is in name of previous lender, xxx xxx, Note reflects new Lender as xxx, a Limited Liability Company. - Due Diligence Vendor-07/21/2025 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-07/31/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 4893553 | ||||
| 4000086073 | D | A | D | A | A | A | A | A | Closed | FCRE3978 | 2025-08-19 13:51 | 2025-10-08 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Updated 1003/1008 provided to include the divorce
decree items and resulting DTI of 27.01 is still within guidelines. - Due Diligence Vendor-10/08/2025 Ready for Review-1008 1003 adding debt - Due Diligence Vendor-10/08/2025 Counter-no proof of payment or amended order from the court stating no longer requiring the borrower to pay these. - Due Diligence Vendor-09/29/2025 Ready for Review-LOE - Due Diligence Vendor-09/26/2025 Counter-The Divorce decree states spousal and child support is required to be paid by the borrower. LOE states Settlement details were in made in a private manner, however no proof of payment or amended order from the court, no longer requiring the borrower to pay these. - Due Diligence Vendor-09/26/2025 Ready for Review-LOE - Due Diligence Vendor-09/24/2025 Open-1) Per divorce decree under doc pg #267 #6 Spousal Support (B) States borrower is required to pay ex-spouses lease payment until the youngest child born xxx turns XX. As of xxx youngest child is XX. Borrower to provide supporting documentation of the payments made on ex-spouses behalf, this must be verified and included in DTI. 2) Per divorce decree childsupport was set by the courts (Under doc pg #270 / #7). Borrowers oldest child is only XX and the youngest is XX. This must be included in the DTI. Supporting documentation is missing from file - Due Diligence Vendor-08/19/2025 |
Resolved-Updated 1003/1008 provided to include the divorce
decree items and resulting DTI of 27.01 is still within guidelines. - Due Diligence Vendor-10/08/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 27.74 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.04% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.44% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.60 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5236275 | ||||
| 4000086073 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-08-19 14:05 | 2025-08-28 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-08/28/2025 Ready for Review-UDM - Due Diligence Vendor-08/27/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/19/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-08/28/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 27.74 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.04% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.44% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.60 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5236521 | ||||
| 4000089245 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000087843 | B | A | A | A | B | A | A | A | Closed | FCOM1797 | 2025-08-30 07:15 | 2025-09-09 08:14 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-09/09/2025 Ready for Review-Initial Disclosure Package - Due Diligence Vendor-09/08/2025 Open-******* Please provide entire initial disclosure package for review - Due Diligence Vendor-08/30/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-09/09/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Validated Borrower At Current Residence For Five (5) Or More Years - 30.5
Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.92% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 389.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5370037 | ||||
| 4000089784 | C | B | A | A | C | B | A | A | Closed | finding-3652 | 2025-09-03 16:04 | 2025-10-03 08:19 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-10/03/2025 Resolved- - Due Diligence Vendor-10/03/2025 Ready for Review-PCCD, Refund and Proof of Mailing - Due Diligence Vendor-10/02/2025 Open- - Due Diligence Vendor-09/05/2025 Open- - Due Diligence Vendor-09/03/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/03/2025 Open- - Due Diligence Vendor-09/03/2025 |
Cured-Curative PCCD, LOE, copy of refund check and proof of
mailing, has been provided - Due Diligence Vendor-10/03/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 46.24% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 426.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5400831 | ||||
| 4000085256 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2025-09-05 17:27 | 2025-09-10 15:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-09/10/2025 Ready for Review-uUpdated URLA with no Assets listed - Due Diligence Vendor-09/10/2025 Counter-Missing updated 1003 removing the xxx banking information - Due Diligence Vendor-09/09/2025 Ready for Review-Borrower receiving over xxx cash back at closing which can be used to meet the 3 month reserve requirement. Can exception be waived? Additional assets should not be required. - Due Diligence Vendor-09/08/2025 Open-Asset 1 Missing xxx Bank statement missing. - Due Diligence Vendor-09/05/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-09/10/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.57% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5435715 | ||||
| 4000089350 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-09-09 08:31 | 2025-09-12 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. - Seller-09/11/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/09/2025 |
Ready for Review-Document Uploaded. - Seller-09/11/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-09/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.35 Years |
XXX REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5462761 | |||
| 4000089350 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-09-10 12:20 | 2025-09-12 12:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-newly refinanced property documents provided. - Due Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. - Seller-09/11/2025 Open-Missing Note, Final CD/HUD and Hazard Insurance for xxx - Due Diligence Vendor-09/10/2025 |
Ready for Review-Document Uploaded. - Seller-09/11/2025 |
Resolved-newly refinanced property documents provided. - Due Diligence Vendor-09/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 123.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.35 Years |
XXXX. XXXXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5485975 | |||
| 4000089739 | D | A | D | A | D | A | A | A | Closed | FCOM1227 | 2025-09-12 10:07 | 2025-10-23 10:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-10/23/2025 Ready for Review-Recorded corrected DOT - Due Diligence Vendor-10/21/2025 Open-PUD Rider is Missing - Due Diligence Vendor-09/12/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-10/23/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 49.17% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5514629 | ||||
| 4000089739 | D | A | D | A | D | A | A | A | Closed | FCRE1728 | 2025-09-14 10:15 | 2025-10-03 13:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Short term rental AIRDNA provided - Due Diligence
Vendor-10/03/2025 Ready for Review-This is a short term rental so there was no 1007 obtained. Instead they obtained the AirDnA report - Due Diligence Vendor-10/03/2025 Open- - Due Diligence Vendor-09/14/2025 |
Resolved-Short term rental xxx provided - Due Diligence
Vendor-10/03/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 49.17% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5529676 | ||||
| 4000089739 | D | A | D | A | D | A | A | A | Closed | FCOM8844 | 2025-09-14 09:55 | 2025-10-03 13:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-10/01/2025 Ready for Review-Business purpose - Due Diligence Vendor-09/30/2025 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-09/14/2025 |
Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-10/01/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 49.17% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5529648 | ||||
| 4000092128 | D | A | C | A | A | A | D | A | Closed | FCRE1167 | 2025-09-15 12:19 | 2025-09-18 20:27 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-09/19/2025 Ready for Review-Document Uploaded. RCE uploaded - Seller-09/17/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-09/15/2025 |
Ready for Review-Document Uploaded. RCE uploaded -
Seller-09/17/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-09/19/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 126.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5538091 | |||
| 4000092128 | D | A | C | A | A | A | D | A | Closed | FPRO1244 | 2025-09-15 12:14 | 2025-09-16 07:17 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided.
- Due Diligence Vendor-09/16/2025 Ready for Review-Document Uploaded. - Seller-09/15/2025 Open-CDA not provided. - Due Diligence Vendor-09/15/2025 |
Ready for Review-Document Uploaded. - Seller-09/15/2025 |
Resolved-Desk review provided.
- Due Diligence Vendor-09/16/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 126.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5537994 | |||
| 4000087960 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FCRE1342 | 2025-09-17 17:38 | 2025-10-13 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-10/13/2025 Ready for Review-business bank statements - Due Diligence Vendor-10/10/2025 Counter-The file is Missing the "12 months of Business Bank statements" used to qualify the loan (Income) - Due Diligence Vendor-10/09/2025 Ready for Review- Bank statements & the EMD was reduced from the balance per conventional guideline. - Due Diligence Vendor-10/08/2025 Counter-This condition states Missing the 12 months of Business Bank statements used to qualify the loan (Income) - Due Diligence Vendor-09/30/2025 Ready for Review-this is a duplicate condition and previously provided under item - Due Diligence Vendor-09/30/2025 Open-Borrower 1 Business Bank Statements Missing Borrower 12 months is Business Bank Statements Missing to calculate income - Due Diligence Vendor-09/17/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-10/13/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5577803 | ||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FCRE1325 | 2025-09-17 17:38 | 2025-10-13 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence
Vendor-09/25/2025 Ready for Review-CPA LETTER - Due Diligence Vendor-09/24/2025 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-09/17/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence
Vendor-09/25/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5577804 | ||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FCRE1317 | 2025-09-17 17:38 | 2025-10-13 11:50 | Resolved | 1 - Information | C | A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater
Than or Equal To 24 Months - Due Diligence Vendor-10/13/2025 Resolved- - Due Diligence Vendor-09/29/2025 Ready for Review-voe - Due Diligence Vendor-09/26/2025 Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months VOE is missing - Due Diligence Vendor-09/17/2025 |
Resolved-Borrower 1 Total Years Employment Verified is Greater
Than or Equal To 24 Months - Due Diligence Vendor-10/13/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5577805 | ||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FCRE2109 | 2025-09-17 17:38 | 2025-10-13 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-09/25/2025 Ready for Review-INCOME CALC - Due Diligence Vendor-09/24/2025 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/17/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-09/25/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5577807 | ||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FCRE1198 | 2025-09-17 19:17 | 2025-10-08 16:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 20.39 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-10/08/2025 Ready for Review-ensure gift funds were included - Due Diligence Vendor-10/08/2025 Open-Audited Reserves of 4.99 are less than Guideline Required Reserves of 6 Audited Reserves of 4.35 are less than Guideline Required Reserves of 9 - Due Diligence Vendor-09/17/2025 |
Resolved-Audited Reserves of 20.39 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-10/08/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5578790 | ||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FCRE1467 | 2025-09-17 18:18 | 2025-10-08 16:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-10/08/2025 Resolved-Bank statement & Access Letter provided - Due Diligence Vendor-09/30/2025 Ready for Review-access letter - Due Diligence Vendor-09/30/2025 Counter-xxx reflects a non-borrowing spouse and per Guidelines: 11.2 JOINT ACCOUNTS For joint accounts, when an account owner is a non-borrowing individual and not a non-borrowing spouse, an access letter is required. - Due Diligence Vendor-09/29/2025 Ready for Review-xxx - Due Diligence Vendor-09/26/2025 Open-Asset 1 Missing Missing xxx - Due Diligence Vendor-09/17/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-10/08/2025 Resolved-Bank statement & Access Letter provided - Due Diligence Vendor-09/30/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5578338 | ||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FCRE1468 | 2025-09-17 18:18 | 2025-10-08 16:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-10/08/2025 Ready for Review- Bank statements PROVIDED and the EMD was reduced from the balance per conventional guideline. - Due Diligence Vendor-10/08/2025 Counter-The condition is for Missing xxx verifying available funds of xxx - Due Diligence Vendor-09/29/2025 Ready for Review-xxx - Due Diligence Vendor-09/26/2025 Open-Asset 2 Missing Missing xxx - Due Diligence Vendor-09/17/2025 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-10/08/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5578339 | ||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FCRE1469 | 2025-09-17 18:18 | 2025-10-08 16:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-10/08/2025 Ready for Review-xxx - Due Diligence Vendor-10/08/2025 Counter-The condition is for Missing xxx verifying Available balance of xxx - Due Diligence Vendor-09/29/2025 Ready for Review-xxx - Due Diligence Vendor-09/26/2025 Open-Asset 3 Missing Missing xxx - Due Diligence Vendor-09/17/2025 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-10/08/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5578340 | ||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FCRE1470 | 2025-09-17 18:18 | 2025-10-08 16:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-10/08/2025 Ready for Review-xxx - Due Diligence Vendor-10/08/2025 Counter-The condition is for Missing xxx verifying Available balance of xxx - Due Diligence Vendor-09/29/2025 Ready for Review-xxx - Due Diligence Vendor-09/26/2025 Open-Asset 4 Missing Missing xxx - Due Diligence Vendor-09/17/2025 |
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-10/08/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5578341 | ||||
| 4000088776 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2025-09-17 17:18 | 2025-09-25 08:10 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence
Vendor-09/25/2025 Ready for Review-xxx - Due Diligence Vendor-09/24/2025 Open-Appraisal is Missing - Due Diligence Vendor-09/17/2025 |
Resolved-Appraisal has been provided - Due Diligence
Vendor-09/25/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 5.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.11% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5577513 | ||||
| 4000089359 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000092548 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000087955 | D | A | A | A | D | A | A | A | Closed | FCOM1225 | 2025-09-22 16:22 | 2025-09-30 07:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Second Home Rider is Missing | Resolved- - Due Diligence Vendor-09/30/2025 Ready for Review-Second Home Rider - Due Diligence Vendor-09/29/2025 Open-Second Home Rider is Missing and Occupancy is Second Home - Due Diligence Vendor-09/22/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.0 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.01 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.1% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.72 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5625368 | |||||
| 4000087955 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2025-09-22 16:04 | 2025-09-30 07:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence
Vendor-09/30/2025 Ready for Review-Mortgage - Due Diligence Vendor-09/29/2025 Open-The Deed of Trust is Missing - Due Diligence Vendor-09/22/2025 |
Resolved-The Deed of Trust is Present - Due Diligence
Vendor-09/30/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.0 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.01 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.1% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.72 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5625029 | ||||
| 4000094069 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000092861 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000090382 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000088648 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000093060 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2025-09-24 11:08 | 2025-11-14 17:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-11/14/2025 Resolved-The note provided shows the borrower signed as himself as well as for the business. PG not required. - Due Diligence Vendor-11/14/2025 Counter-Document Uploaded. The Note was signed in a Business/LLC - a Personal Guaranty is needed. - Due Diligence Vendor-11/12/2025 Ready for Review-Note - Due Diligence Vendor-11/12/2025 Open-Personal Guaranty is Missing. Personal Guaranty is missing. - Due Diligence Vendor-09/24/2025 |
Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-11/14/2025 Resolved-The note provided shows the borrower signed as himself as well as for the business. PG not required. - Due Diligence Vendor-11/14/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 32.54 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5652286 | ||||
| 4000092893 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000091237 | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2025-09-24 01:48 | 2025-10-06 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-10/06/2025 Ready for Review-Asset Docs - Due Diligence Vendor-10/03/2025 Open-Asset 4 Missing Net Proceeds from sale and 1031 exchange documentation Missing. - Due Diligence Vendor-09/24/2025 |
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-10/06/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5647356 | ||||
| 4000094458 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000094133 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2025-09-26 09:31 | 2025-10-01 07:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-10/01/2025 Ready for Review-Please see update 1003 - Due Diligence Vendor-10/01/2025 Open-Asset 1 Missing Assets documents missing for the xxx- To verify the asset amount of xxx - Due Diligence Vendor-09/26/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-10/01/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 7.02 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.22% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 20.6% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5683295 | ||||
| 4000094135 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-09-29 13:52 | 2025-10-07 13:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.57% is less than or equal to
Guideline DTI of 55% - Due Diligence
Vendor-10/07/2025 Ready for Review-We apologize for the confusion, as it appears our prior documents contained an error showing a margin of xxx. We have corrected the documents to reflect the accurate margin of xxx. With the index of xxx, the qualifying rate calculates to xxx rather than xxx. Could you please review and confirm if this corrected information would be sufficient to clear the condition? - Due Diligence Vendor-10/07/2025 Counter-the fully indexed rate is xxx = xxx margin + xxx index rounded - Due Diligence Vendor-10/06/2025 Ready for Review-xxx - Left a comment in XXXXX, "Could you please explain in detail why the fully indexed rate is xxx in your review?" - Due Diligence Vendor-10/06/2025 Counter-the Qualifying Interest Rate Method used is Greater of Start Rate or Fully Indexed Rate at Fully Amortized Payment at xxx rate = xxx vs Lenders xxx. - Due Diligence Vendor-10/02/2025 Ready for Review-Hello, the guideline notes that fully indexed payments typically apply to Interest-Only loans, the audited DTI in this case reflects the correct calculation. Therefore, we respectfully request that this condition be waived. - Due Diligence Vendor-10/02/2025 Open-TPRs verified DTI is 50.77% vs lenders 47.62%. This is due to TPRs "Reviewed / Qualified payment fully indexed was xxx vs lenders xxx. - Due Diligence Vendor-09/29/2025 |
Resolved-Audited DTI of 47.57% is less than or equal to
Guideline DTI of 55% - Due Diligence
Vendor-10/07/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 68.34% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5706233 | ||||
| 4000094135 | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-09-26 08:54 | 2025-10-02 13:38 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-10/02/2025 Ready for Review-Here you are. - Due Diligence Vendor-10/02/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). TPR verified gap credit under doc pg #136 & 152. Both were pulled xxx making them 20 days old prior to close. Per lender guides credit refresh must be no older than 10 days prior to close. - Due Diligence Vendor-09/26/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-10/02/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 68.34% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5682895 | ||||
| 4000092909 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000089405 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094994 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2025-09-29 08:42 | 2025-10-02 07:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence
Vendor-10/02/2025 Ready for Review-I already upload corrected DOT. Please see attached and waive the condition. Thank you. - Due Diligence Vendor-10/02/2025 Open-The Deed of Trust is Missing - Due Diligence Vendor-09/29/2025 |
Resolved-The Deed of Trust is Present - Due Diligence
Vendor-10/02/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.04 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.21 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.55% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.28% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5699451 | ||||
| 4000094497 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000094429 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000094460 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000091398 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000090825 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000093282 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000092397 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2025-10-01 13:47 | 2025-10-10 09:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence
Vendor-10/10/2025 Ready for Review-1003 - Due Diligence Vendor-10/10/2025 Open-The Final 1003 is Missing Final 1003 is Missing. - Due Diligence Vendor-10/07/2025 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-10/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 101.69 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5738395 | ||||
| 4000092397 | D | A | D | A | D | A | A | A | Closed | FCRE1728 | 2025-10-01 17:07 | 2025-10-07 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-rent schedule provided. - Due Diligence Vendor-10/07/2025 Ready for Review-pg33 - Due Diligence Vendor-10/07/2025 Open-Document is missing to verify Market Rent - Due Diligence Vendor-10/01/2025 |
Resolved-rent schedule provided.
- Due Diligence Vendor-10/07/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 101.69 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5742501 | ||||
| 4000092397 | D | A | D | A | D | A | A | A | Closed | FCRE1182 | 2025-10-02 13:00 | 2025-10-07 14:17 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-10/07/2025 Ready for Review-1008 - Due Diligence Vendor-10/07/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/02/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-10/07/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 101.69 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5754192 | ||||
| 4000092397 | D | A | D | A | D | A | A | A | Closed | FCRE1726 | 2025-10-01 13:52 | 2025-10-07 14:17 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-USA Patriot Act provided. - Due Diligence Vendor-10/07/2025 Ready for Review-patriot - Due Diligence Vendor-10/07/2025 Open-Borrower ID / USA Patriot Act is not provided - Due Diligence Vendor-10/01/2025 |
Resolved-USA Patriot Act provided. - Due Diligence Vendor-10/07/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 101.69 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5738514 | ||||
| 4000088764 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094134 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000091397 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000095267 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000090704 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000094298 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-10-01 20:48 | 2025-10-07 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-10/07/2025 Ready for Review-Please see attached. - Due Diligence Vendor-10/06/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/02/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-10/07/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.0 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.64% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
Missing Third Party Fraud Report | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5744568 | |||
| 4000093840 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000094415 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094976 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094112 | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2025-10-02 08:11 | 2025-10-08 09:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence
Vendor-10/08/2025 Ready for Review-I apologize..it seems that page3 was missing due to a system issue when the file was created. Please see the attached full-page Final 1003 for your review. Thank you very much. - Due Diligence Vendor-10/07/2025 Open-The Final 1003 is Incomplete Final 1003 Incomplete. Section 2C is incomplete and Page 3 is missing. - Due Diligence Vendor-10/02/2025 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-10/08/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
10.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.89% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5747739 | ||||
| 4000094979 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000095015 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095390 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000091829 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000094440 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000091684 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000094444 | D | A | C | A | D | A | A | A | Closed | FCRE1500 | 2025-10-02 03:54 | 2025-10-10 10:43 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-unexpired DL provided.
- Due Diligence Vendor-10/10/2025 Ready for Review-here's renewed driver's license. - Due Diligence Vendor-10/09/2025 Counter-Document Uploaded. Apologies for the confusion, The US Patriot Act Form states borrower's drivers License expired on xxx - Missing Unexpired Drivers License for borrower. - Due Diligence Vendor-10/08/2025 Ready for Review-Hello, Borrower has US Citizenship. Can you please cancel this condition as borrower is US citizen? Or can you please explain where did you find 'expired borrower identification document'? Thank you, - Due Diligence Vendor-10/08/2025 Open-Borrower Identification document is expired - Due Diligence Vendor-10/02/2025 |
Resolved-unexpired DL provided.
- Due Diligence Vendor-10/10/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
14.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5746133 | ||||
| 4000094444 | D | A | C | A | D | A | A | A | Closed | FCOM1227 | 2025-10-06 14:42 | 2025-10-08 09:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable
(Property Type is PUD) - Due Diligence Vendor-10/08/2025 Ready for Review-I'm sorry. Here's DOT with PUD Rider. - Due Diligence Vendor-10/08/2025 Open-PUD Rider is Missing TPR reviewed file and PUD Rider is missing - Due Diligence Vendor-10/06/2025 |
Resolved-The PUD Rider is Present or is Not Applicable (Property
Type is PUD) - Due Diligence Vendor-10/08/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
14.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.66% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.56% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5790399 | ||||
| 4000093139 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000090761 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-10-02 05:43 | 2025-10-08 12:10 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-10/08/2025 Ready for Review-1008 - Due Diligence Vendor-10/07/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/02/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-10/08/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.07 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.67% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.15% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 5746644 | ||||
| 4000091807 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-10-02 08:03 | 2025-10-08 10:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-10/08/2025 Ready for Review-UDM - Due Diligence Vendor-10/07/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/02/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-10/08/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.26 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.18% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5747654 | ||||
| 4000094603 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000093408 | C | A | A | A | C | A | A | A | Closed | FCOM1207 | 2025-10-03 15:33 | 2025-10-14 08:09 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-10/14/2025
Ready for Review-Copy of signed note - Due Diligence Vendor-10/13/2025 Open-The Note is Not Executed - Due Diligence Vendor-10/03/2025 |
Resolved-The Note is Executed - Due Diligence
Vendor-10/14/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 9.42 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.09% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5771533 | ||||
| 4000092908 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000095064 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000091336 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000093210 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000092573 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-10-07 02:05 | 2025-10-15 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid Drivers License Provided - Due Diligence
Vendor-10/15/2025 Ready for Review-id - Due Diligence Vendor-10/14/2025 Counter-Apologies for the confusion, Missing Signed US Patriot Act Form or a Valid Drivers License. - Due Diligence Vendor-10/10/2025 Ready for Review-borrower is a us citizen per loan application - Due Diligence Vendor-10/09/2025 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-10/07/2025 |
Resolved-Valid Drivers License Provided - Due Diligence
Vendor-10/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.07% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 149.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5797227 | ||||
| 4000092573 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2025-10-08 12:16 | 2025-10-10 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-10/10/2025 Ready for Review-mtg in ex husbands name - Due Diligence Vendor-10/09/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Current 12 month mtg history reflecting 0x30x12 with xxx is missing from file - Due Diligence Vendor-10/08/2025 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-10/10/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.07% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 149.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5822675 | ||||
| 4000092776 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094997 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000094937 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000094973 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-10-07 07:14 | 2025-10-10 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided. - Due Diligence Vendor-10/10/2025 Ready for Review-All documents related to xxx are already included on pages 234–274 of the package. Please see attached :) - Due Diligence Vendor-10/09/2025 Open-Missing HOA dues for REO properties -xxx - Due Diligence Vendor-10/07/2025 |
Resolved-REO documents provided.
- Due Diligence Vendor-10/10/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 6.33 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.14% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5799224 | ||||
| 4000094958 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-10-08 15:34 | 2025-10-13 09:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-10/13/2025 Ready for Review-Here you are. - Due Diligence Vendor-10/10/2025 Open-Borrower 1 Gap Credit Report is Missing Missing Gap report. - Due Diligence Vendor-10/08/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-10/13/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.01% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 159.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.68 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5826448 | ||||
| 4000094980 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000094919 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000094929 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000087741 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2025-10-10 05:54 | 2025-10-20 09:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence
Vendor-10/20/2025 Ready for Review-1003 - Due Diligence Vendor-10/16/2025 Open-Missing Final 1003 in file - Due Diligence Vendor-10/10/2025 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-10/20/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 48.78% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5849031 | ||||
| 4000087741 | D | A | D | A | D | A | A | A | Closed | FCRE1815 | 2025-10-10 05:37 | 2025-10-14 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Documents provided. - Due Diligence Vendor-10/14/2025 Ready for Review-xxx - Due Diligence Vendor-10/13/2025 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Subject property is titled under business- xxx -Missing Operating Agreement/equivalent and Certificate of good standing - Due Diligence Vendor-10/10/2025 |
Resolved-Business Documents provided. - Due Diligence Vendor-10/14/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 48.78% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5848979 | ||||
| 4000091688 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-10-10 07:52 | 2025-10-14 11:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-2 HOI Policy's on subject Loan. - Due Diligence Vendor-10/14/2025 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/14/2025 Ready for Review-Please find additional EOI document attached. Current DTI of 41.51% is correct. Please help clear the other condition as well if correlated with this condition. - Due Diligence Vendor-10/13/2025 Open-Document is incomplete or missing required policy information. Hazard Insurance provided reflects a monthly premium of xxx. Per the 1008, the monthly amount is xxx causing DTI discrepancy of audit 32.79 vs lender 41.51. Provide hazard insurance policy supporting premium of xxx or updated 1008 with updated DTI. - Due Diligence Vendor-10/10/2025 |
Resolved-2 HOI Policy's on subject Loan. - Due Diligence Vendor-10/14/2025 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/14/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 61.97% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.79% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.52 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.52 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5850116 | ||||
| 4000091763 | C | A | A | A | A | A | C | A | Closed | FPRO9939 | 2025-10-09 14:38 | 2025-10-13 08:03 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-10/13/2025
Ready for Review-CDA - Due Diligence Vendor-10/10/2025 Open-CU Score is 2.9. LCA Score is 4.5. Provide 3rd Party Valuation. - Due Diligence Vendor-10/09/2025 |
Resolved-Desk review provided - Due Diligence
Vendor-10/13/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 243.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5841911 | ||||
| 4000093640 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000092894 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000095450 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095005 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2025-10-08 17:51 | 2025-10-17 07:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-10/17/2025 Ready for Review-Please find attached Purchase Contract - Due Diligence Vendor-10/16/2025 Open-Purchase Contract Is Missing - Due Diligence Vendor-10/08/2025 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-10/17/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.63% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.41 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5828956 | ||||
| 4000095016 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000091469 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094428 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095071 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000087827 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000095376 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000094427 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000094417 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095686 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000092205 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000092887 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000090642 | C | A | C | A | A | A | A | A | Closed | FCRE6873 | 2025-10-14 09:45 | 2025-10-15 13:28 | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Processor Cert provided. - Due Diligence Vendor-10/15/2025 Ready for Review-PR CERT - Due Diligence Vendor-10/14/2025 Open-TPR verified per doc pg #151 borrower is a fraud victim. TPR is unable to locate fraud alert cleard by borrower - Due Diligence Vendor-10/14/2025 |
Resolved-Processor Cert provided. - Due Diligence Vendor-10/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.17 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 5885269 | ||||
| 4000095456 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095690 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000095458 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2025-10-13 01:58 | 2025-10-17 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-10/17/2025 Ready for Review-Please see the attached Credit report - Due Diligence Vendor-10/17/2025 Open-Borrower 1 Credit Report is Missing. Borrower 1 Initial Credit Report is Missing GAP report only in file. - Due Diligence Vendor-10/13/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-10/17/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 33.29% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5867941 | ||||
| 4000095458 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2025-10-13 01:21 | 2025-10-17 08:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due
Diligence Vendor-10/17/2025 Ready for Review-Please see the attached Fraud report - Due Diligence Vendor-10/16/2025 Open-Third Party Fraud Report Partially Provided need complete report - Due Diligence Vendor-10/13/2025 |
Resolved-Third Party Fraud Report is fully present - Due
Diligence Vendor-10/17/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.14 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 33.29% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5867849 | ||||
| 4000095447 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000092875 | D | A | D | A | A | A | A | A | Closed | FCRE1185 | 2025-10-15 14:43 | 2025-10-20 13:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | AUS Partially Provided | Resolved- - Due Diligence Vendor-10/20/2025 Ready for Review-1008 - Due Diligence Vendor-10/17/2025 Open-Missing updated 1008 showing AUS xxx. In file 1008 showing Manual Underwriting. - Due Diligence Vendor-10/15/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Approved DTI 33.13% Guideline 50% Audited reserves exceed guideline minimum - Minimum reserves AUS approval required xxx Qualifying reserves Dollar amount xxx. |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 5906625 | |||||
| 4000090110 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000094446 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000093222 | D | A | D | A | D | A | A | A | Closed | FCRE1472 | 2025-10-16 15:52 | 2025-11-07 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 6 Missing | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence
Vendor-11/06/2025 Ready for Review-the updated 1003 not showing a gift deposited to escrow company - Due Diligence Vendor-11/05/2025 Counter-Missing proof of Wire from Closing agent/Escrow verifying funds of xxx were received. - Due Diligence Vendor-10/24/2025 Ready for Review-Gift Letter - Due Diligence Vendor-10/22/2025 Open-Asset 6 Missing Provide proof of xxx gift funds letter sent to escrow as stated on final 1003 needed to close missing in file. - Due Diligence Vendor-10/16/2025 |
Resolved-Asset 6 Provided Or Not Applicable - Due Diligence
Vendor-11/06/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 56.52% Is Below The Guideline Maximum Of 85% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.74 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.35 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5922132 | ||||
| 4000093222 | D | A | D | A | D | A | A | A | Closed | FCRE1476 | 2025-11-06 07:59 | 2025-11-07 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 10 Missing | Resolved-Asset 10 Provided Or Not Applicable - Due Diligence
Vendor-11/07/2025 Ready for Review-Asset Docs - xxx - Due Diligence Vendor-11/07/2025 Open-Asset 10 Missing Missing retirement account xxx xxx with available funds of xxx - Due Diligence Vendor-11/06/2025 |
Resolved-Asset 10 Provided Or Not Applicable - Due Diligence
Vendor-11/07/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 56.52% Is Below The Guideline Maximum Of 85% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.74 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.35 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6151225 | ||||
| 4000093222 | D | A | D | A | D | A | A | A | Closed | FCRE1474 | 2025-11-06 07:59 | 2025-11-07 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 8 Missing | Resolved-Asset 8 Provided Or Not Applicable - Due Diligence
Vendor-11/07/2025 Ready for Review-Asset Docs xxx - Due Diligence Vendor-11/07/2025 Open-Asset 8 Missing Missing retirement account xxx Schs xxx with available funds of xxx - Due Diligence Vendor-11/06/2025 |
Resolved-Asset 8 Provided Or Not Applicable - Due Diligence
Vendor-11/07/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 56.52% Is Below The Guideline Maximum Of 85% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.74 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.35 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6151226 | ||||
| 4000093222 | D | A | D | A | D | A | A | A | Closed | FCRE1475 | 2025-11-06 07:59 | 2025-11-07 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 9 Missing | Resolved-Asset 9 Provided Or Not Applicable - Due Diligence
Vendor-11/07/2025 Ready for Review-Asset Docs xxx - Due Diligence Vendor-11/07/2025 Open-Asset 9 Missing Missing retirement account xxx Schs xxx with available funds of xxx - Due Diligence Vendor-11/06/2025 |
Resolved-Asset 9 Provided Or Not Applicable - Due Diligence
Vendor-11/07/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 56.52% Is Below The Guideline Maximum Of 85% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.74 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.35 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6151227 | ||||
| 4000093222 | D | A | D | A | D | A | A | A | Closed | FCOM1220 | 2025-10-16 01:13 | 2025-10-23 10:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence
Vendor-10/23/2025 Ready for Review-Security Instrument - Due Diligence Vendor-10/22/2025 Open-The Deed of Trust is Missing Missing Deed of Trust - Due Diligence Vendor-10/16/2025 |
Resolved-The Deed of Trust is Present - Due Diligence
Vendor-10/23/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 56.52% Is Below The Guideline Maximum Of 85% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.57% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.74 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.35 Years |
The Deed of Trust is Missing | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5911736 | |||
| 4000097132 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2025-10-16 06:07 | 2025-11-05 10:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-11/05/2025 Ready for Review-see attached - Due Diligence Vendor-11/04/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $xxx Missing Replacement Cost Estimator. Also dec page is showing previous lender loan number, should show xxx. - Due Diligence Vendor-10/16/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-11/05/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5912931 | ||||
| 4000093141 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094434 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000095369 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095703 | C | A | C | A | A | A | A | A | Closed | FCRE1176 | 2025-10-16 21:50 | 2025-10-24 14:38 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of xxx is prior
to or equal to the Note Date of xxx Or HO-6 Insurance Policy Effective Date
Is Not Provided - Due Diligence Vendor-10/24/2025 Ready for Review-Please see revised EOI attached :) Thank you! - Due Diligence Vendor-10/24/2025 Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx The HO-6 insurance policy has an effective date of xxx, which is after the Note date of xxx. Please provide confirmation of coverage effective as of the Note date to ensure compliance with insurance requirements. - Due Diligence Vendor-10/17/2025 |
Resolved-HO-6 Insurance Policy Effective Date of xxx is prior to
or equal to the Note Date of xxx Or HO-6 Insurance Policy Effective Date Is
Not Provided - Due Diligence Vendor-10/24/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 44.74% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5925663 | |||
| 4000095054 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000095367 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000093850 | D | A | A | A | D | A | A | A | Closed | FCOM8844 | 2025-10-17 13:49 | 2025-11-03 07:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-11/03/2025 Ready for Review-LOE - Due Diligence Vendor-10/31/2025 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. TPR reviewed file and the lox is missing from borrower for cash-out. Under xxx-Guidelines xxx / pg #43 / Bullet point #2 under "Cash out", Cash-Out is for Business Purposes only and the borrower must provide an LOE detailing the purpose and use of the proceeds - Due Diligence Vendor-10/21/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-11/03/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 62.5% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.04% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.75 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5934204 | ||||
| 4000095847 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095403 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095048 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000094683 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000091509 | B | B | B | B | A | A | A | A | Closed | FCRE2515 | 2025-10-20 11:28 | 2025-10-21 13:01 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Borrowers lack sufficient tradelines - Due Diligence Vendor-10/20/2025 | Waived-Borrowers lack sufficient tradelines - Due Diligence
Vendor-10/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
credit score, LTV, DSCR | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | 5946841 | ||||
| 4000098334 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | ||||||||||||||||||||
| 4000095371 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000094939 | C | A | A | A | C | A | A | A | Closed | finding-3617 | 2025-10-22 15:06 | 2025-10-28 07:49 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-10/28/2025 Resolved- - Due Diligence Vendor-10/28/2025 Ready for Review-Certified xxx & Post CD - Due Diligence Vendor-10/28/2025 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-10/22/2025 Open- - Due Diligence Vendor-10/22/2025 |
Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-10/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.52% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.72 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 5976707 | ||||
| 4000094761 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000092192 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000098727 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000089200 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094488 | B | B | B | B | A | A | A | A | Closed | FCRE8611 | 2025-10-23 13:04 | 2025-10-23 13:19 | Waived | 2 - Non-Material | B | B | Credit | Income | Income/Employment General | Waived-Exception approved to use 1007/Appraisal to validate rental income on a vacant • property on a refinance which does not qualify for agency. - Due Diligence Vendor-10/23/2025 | Waived-Exception approved to use 1007/Appraisal to validate
rental income on a vacant • property on a refinance which does not qualify
for agency. - Due Diligence
Vendor-10/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.02% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.30 Years |
45 months 0x30 mtg history | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 5991359 | ||||
| 4000094942 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095803 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094630 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000093932 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000094091 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000098553 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-10-27 08:30 | 2025-10-29 14:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.34 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. Hello, please see attached the Post Consummation Closing Disclosure and Final Settlement Statement showing the cash to close is xxx. Fund available is xxx so the fund left to use for reserve is xxx and it is higher than the required reserve. Please waive this condition. Thank you - Seller-10/28/2025 Open-Audited Reserves of 5.77 are less than Guideline Required Reserves of 6 Audited Reserves of xxx are less than Guideline Required Reserves of xxx - Due Diligence Vendor-10/27/2025 |
Ready for Review-Document Uploaded. Hello, please see attached
the Post Consummation Closing Disclosure and Final Settlement Statement
showing the cash to close is xxx. Fund available is xxx so the fund left to
use for reserve is xxx and it is higher than the required reserve. Please
waive this condition. Thank you - Seller-10/28/2025 |
Resolved-Audited Reserves of 6.34 are greater than or equal to
Guideline Required Reserves of 6 - Due Diligence Vendor-10/29/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.84% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6019846 | |||
| 4000096848 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000094651 | C | A | A | A | A | A | C | A | Closed | FPRO868 | 2025-11-13 17:11 | 2025-12-09 10:42 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-Field review shows a value of xxx which supports the
appraised value (xxx) within a -10.0% variance (0.92%) - Due Diligence
Vendor-12/09/2025 Counter-Document Uploaded. Per Guidelines: 10.5.2 Third Party Appraisal Review: Collateral Desktop Analysis “CDA” or a xxx Valuation (xxx Valuation) – Appraisal Risk Review “ARR” are acceptable and The Third-Party Appraisal Review final opinion of all underlying property values must be within -10% of the origination appraisal(s) - Due Diligence Vendor-11/18/2025 Ready for Review-there was also a field review and a 2055 exterior inspection provided in the shipping package - Due Diligence Vendor-11/17/2025 Open-Missing acceptable third party appraisal review product. CDA included in loan file is not within 10% of the original appraisal valuation. - Due Diligence Vendor-11/13/2025 |
Resolved-Field review shows a value of xxx which supports the
appraised value (xxx) within a -10.0% variance (0.92%) - Due Diligence
Vendor-12/09/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 333.61 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.15% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.39 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6245916 | ||||
| 4000092697 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000097181 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095643 | D | A | A | A | D | A | A | A | Closed | FCOM1280 | 2025-10-28 11:11 | 2025-11-07 09:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Collateral Protection Notice is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-11/07/2025 Ready for Review-Please see attached file. Thank you very much. - Due Diligence Vendor-11/06/2025 Open-Collateral Protection Notice is Missing Collateral Protection Notice /(Forced Placed Insurance Coverage) is Missing - Due Diligence Vendor-10/28/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-11/07/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.75 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.91% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6036592 | ||||
| 4000098322 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2025-10-28 07:29 | 2025-12-08 09:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/08/2025 Open-PUD Rider is Missing - Due Diligence Vendor-10/28/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/08/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 63.83% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6033340 | |||||
| 4000098322 | D | A | A | A | D | A | A | A | Closed | FCOM1221 | 2025-11-19 21:58 | 2025-12-08 09:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Incomplete | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/08/2025 Ready for Review-Apologize for the delay, we wanted to provide you with the updated DOT reflecting the corrections previously discussed. Attached is the re-recording version of the DOT showing removal of the prepayment penalty and addition of the PUD Rider. Please note that the first page’s reference to eRecord xxx reflects when the PUD Rider was added, while the lower stamped dates (xxx) correspond to the earlier re-recording that removed the PPP Rider. We just wanted to note this so there is no confusion when reviewing the document. The county (GSCCA) recently experienced a system shutdown, which has delayed the return of officially recorded documents. Until the county completes processing, the original fully recorded DOT is not yet available. In the meantime, we have obtained an Intent to Re-Record from the document provider confirming that the corrected DOT (with PUD Rider added) has been submitted for re-recording and is pending due to the outage. We will continue coordinating with the correspondent and the county, and once the original notarized and recorded DOT is received, we will forward it immediately to your Collateral team. Please let me know if you need anything further in the meantime or if there is anything else we can provide to assist with your review. Thank you for your patience! - Due Diligence Vendor-12/05/2025 Open-Witnin the security agreement, the box for PPP is marked as a yes but there is no PPP. The borrower did acknowledge that there should be no PPP and the loan is locked without a PPP. A new DOT with the box not checked is still needed. - Due Diligence Vendor-11/20/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/08/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 63.83% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6314619 | ||||
| 4000098209 | D | A | D | A | A | A | A | A | Closed | FCRE1815 | 2025-10-29 05:32 | 2025-11-04 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Documents provided - Due Diligence Vendor-11/04/2025 Ready for Review-Please find attached ARTICLES OF ORGANIZATION/ OPERATING AGREEMENT. - Due Diligence Vendor-11/03/2025 Counter-Apologies for the confusion, Missing Operating Agreement/equivalent, Articles of formation/equivalent not in file - Due Diligence Vendor-10/30/2025 Ready for Review-Hello, please find pg.286 (EIN), pg.287 Cert of Good Standing, which were included in the closing pkg uploaded. Please help waive the condition. - Due Diligence Vendor-10/30/2025 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Subject property is signed under business xxx, xxx- Missing Operating Agreement/equivalent, Articles of formation/equivalent not in file - Due Diligence Vendor-10/29/2025 |
Resolved-Business Documents provided - Due Diligence Vendor-11/04/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 60.48% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 436.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6047861 | ||||
| 4000092919 | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2025-10-29 06:29 | 2025-12-01 10:31 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Final CD states Rate & Term. - Due Diligence Vendor-12/01/2025 Ready for Review-Final CD from 3/2025 Closing - Due Diligence Vendor-12/01/2025 Counter-Was the loan xxx a cash out or no cash out refinance? Any FCD or HUD1 should help to determine or provide a longer chain of title. If there is no loan prior to xxx then the new loan is a cash out as the xxx was a cash out < 12 months. - Due Diligence Vendor-11/28/2025 Ready for Review-Please clarify what documentation is needed to cure condition. Per final 1008, loan a No Cash-Out Refinance. - Due Diligence Vendor-11/28/2025 Open-Property Title Issue Unable to determine if subject loan is paying off < 12 months old cash out refinance from xxx (page 671 OCR). If so then loan should be considered cash out and not a rate/term refinance. Title shows home ownership since 2006. Later put in trust, taken out of trust, then put back in trust xxx. In either case lender guidelines are sufficient for cash out or no cash out refinance. - Due Diligence Vendor-10/29/2025 |
Resolved-Final CD states Rate & Term. - Due Diligence Vendor-12/01/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 97.83 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6048156 | ||||
| 4000095652 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-10-28 05:17 | 2025-10-30 12:02 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-10/30/2025 Ready for Review-Please see the attached 1008. - Due Diligence Vendor-10/30/2025 Open-1008/Underwriting Summary Not Provided Missing 1008. - Due Diligence Vendor-10/29/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-10/30/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.7% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6032564 | ||||
| 4000097015 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000092990 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000097192 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000098785 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000098290 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000096080 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-11-13 17:05 | 2025-12-11 10:02 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided
- Due Diligence Vendor-12/11/2025 Ready for Review-CDA - Due Diligence Vendor-12/10/2025 Counter-Document Uploaded. - Due Diligence Vendor-11/19/2025 Counter-Per guidelines: Third party review required - desk review / UCDP/SSR CU & LCA (these were in the lender loan file however they are both "0") - Due Diligence Vendor-11/19/2025 Ready for Review-please review the attached and advise if CDA is still required - Due Diligence Vendor-11/19/2025 Open-Missing acceptable desk review/equivalent third party appraisal review product to support original appraisal value. - Due Diligence Vendor-11/13/2025 |
Resolved-Desk review provided
- Due Diligence Vendor-12/11/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6245838 | |||||
| 4000096671 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2025-10-30 18:50 | 2025-11-06 12:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-11/06/2025 Ready for Review-Please see the attached Credit Report dated xxx. Thank you! - Due Diligence Vendor-11/06/2025 Counter-The condition is for Missing the xxx xxx - The Lenders file page 33 xxx dated xxx & xxx Comparison report for the xxx xxx. - Due Diligence Vendor-11/04/2025 Ready for Review-The Credit Report provided within the package is dated xxx. Could you please provide further clarification so that we can provide appropriate document for your concern? Thank you! - Due Diligence Vendor-11/04/2025 Open-Borrower 1 Credit Report is Missing. Original Borrower 1 Credit Report is Missing dated xxx . Comparison report is available in xxx - Due Diligence Vendor-10/30/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-11/06/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.63% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.9% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.81 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6076707 | ||||
| 4000085299 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-10-31 06:16 | 2025-11-05 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-11/05/2025 Ready for Review-CR reissued xxx - Due Diligence Vendor-11/04/2025 Open-Borrower 1 Gap Credit Report is Missing Provide Credit refresh report- Which is required no more than 10 days prior to loan closing or at any time after closing. Any new debt must be included in determining the DTI ratio. Closing date is xxx and Initial full credit report is dated xxx - Due Diligence Vendor-10/31/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due
Diligence Vendor-11/05/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 17.49 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.22% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.69 Are Greater Than The Guideline Minimum Of 16 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6078941 | ||||
| 4000085299 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2025-10-31 05:43 | 2025-11-05 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-11/05/2025 Ready for Review-Flood cert - Due Diligence Vendor-11/04/2025 Open-Missing Flood Certificate - Due Diligence Vendor-10/31/2025 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-11/05/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 17.49 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.22% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.69 Are Greater Than The Guideline Minimum Of 16 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.50 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6078766 | ||||
| 4000100928 | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2025-11-04 11:12 | 2025-11-05 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-11/05/2025 Ready for Review-Document Uploaded. Hello, please see attached, it is included in the CP. Thank you - Seller-11/04/2025 Open-Asset 4 Missing Missing xxx statement for account xxx reflecting balance of xxx. - Due Diligence Vendor-11/04/2025 |
Ready for Review-Document Uploaded. Hello, please see attached,
it is included in the CP. Thank you - Seller-11/04/2025 |
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-11/05/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 29.94% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6115404 | |||
| 4000098537 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2025-11-04 11:52 | 2025-11-13 22:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Large deposits do not need to be sourced per guideline
if held in axxx account. - Due
Diligence Vendor-11/14/2025 Counter-The xxx account does not reflect the Opening and Closing balance also required per Guidelines. Please see uploaded Screenshot. Updated 1003 reflects xxx but the documentation provided does not support that amount. - Due Diligence Vendor-11/06/2025 Ready for Review-Document Uploaded. Hello Team, The xxx does have our borrower name on it and we do not source the large deposit on Borrower's account. Please waive this condition. Thank you - Seller-11/05/2025 Counter-Document Uploaded. (2 parts) #1 The xxx reflects a large deposit from xxx. dated xxx Only name on Statement is the Non-Borrowing spouse Per Guidelines: Sourcing of large deposits is not required "if the eligible assets on file are from a xxx" missing proof xxx is located in the xxx / #2 - the xxx account does not reflect the Opening and closing balance also required per Guidelines. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Hello Team, we have uploaded the Updated Final 1003 showing no gift funds & new asset. Please see attached and waive this condition - Seller-11/04/2025 Open-Asset 3 Missing Missing xxx Gift Documentation listed on the final 1003. - Due Diligence Vendor-11/04/2025 |
Ready for Review-Document Uploaded. Hello Team, The xxx account
xxx does have our borrower name on it and we do not source the large deposit
on Borrower's account. Please waive this condition. Thank you -
Seller-11/05/2025 Ready for Review-Document Uploaded. Hello Team, we have uploaded the Updated Final 1003 showing no gift funds & new asset. Please see attached and waive this condition - Seller-11/04/2025 |
Resolved-Large deposits do not need to be sourced per guideline
if held in a xxx account. - Due
Diligence Vendor-11/14/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.03 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.26 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6117659 | |||
| 4000098696 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000098538 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000099630 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2025-11-04 13:19 | 2025-11-07 07:37 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-11/07/2025 Ready for Review-Please see the attached RCE. Thank you very much. - Due Diligence Vendor-11/07/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-11/04/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-11/07/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.84 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.13% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.79 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6120079 | ||||
| 4000097698 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2025-11-05 12:47 | 2025-11-10 07:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. dot with all riders - Buyer-11/07/2025 Open-The Deed of Trust is Missing. - Due Diligence Vendor-11/05/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-11/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 12.51 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Months Reserves Of 12.51 Are Greater
Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6139830 | ||||
| 4000097698 | D | A | A | A | D | A | A | A | Closed | FCOM1229 | 2025-11-05 13:35 | 2025-11-10 07:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. dot and all riders - Buyer-11/07/2025 Open-1-4 Family Rider is Missing - Due Diligence Vendor-11/05/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-11/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 12.51 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Months Reserves Of 12.51 Are Greater
Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6141050 | ||||
| 4000098762 | D | A | A | A | D | A | A | A | Closed | finding-47 | 2025-11-04 17:42 | 2025-11-06 09:32 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-11/06/2025 Ready for Review-Sorry for the confusion. Please see post cd attached :) - Due Diligence Vendor-11/06/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-11/05/2025 Open- - Due Diligence Vendor-11/04/2025 |
Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-11/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 6.66 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.32% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6125722 | ||||
| 4000098762 | D | A | A | A | D | A | A | A | Closed | FCOM1263 | 2025-11-05 14:46 | 2025-11-06 09:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence
Vendor-11/06/2025 Ready for Review-Sorry for the confusion. Please see post cd attached. - Due Diligence Vendor-11/06/2025 Open-Right of Rescission is Partially Provided The Notice of Right to Cancel, executed by xxx, has not been provided. - Due Diligence Vendor-11/05/2025 |
Resolved-Right of Rescission is Provided - Due Diligence
Vendor-11/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 6.66 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.32% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6143007 | ||||
| 4000100309 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000099626 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000096055 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-11-20 13:31 | 2025-12-11 09:16 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided.
- Due Diligence Vendor-12/11/2025 Ready for Review-CDA - Due Diligence Vendor-12/10/2025 Counter-The Condition is for 3rd party appraisal review product supporting the appraisal value within 10%. - The document provided was the full appraisal which was already provided in the Lender Loan file. - Due Diligence Vendor-12/07/2025 Ready for Review-Appraisal - Due Diligence Vendor-12/05/2025 Open-Missing required viable 3rd party appraisal review product supporting the appraisal value within 10%. - Due Diligence Vendor-11/20/2025 |
Resolved-Desk review provided.
- Due Diligence Vendor-12/11/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6329155 | |||||
| 4000098294 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2025-11-06 17:25 | 2025-11-19 13:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-11/18/2025 Ready for Review-Here you are. - Due Diligence Vendor-11/18/2025 Counter-Document Uploaded. Missing xxx statement - Final 1003 reflectsxxx with an available balance of xxx was used for assets - Due Diligence Vendor-11/12/2025 Ready for Review-Hello, the Asset documents are in the closed package page 169. Please review and waive the condition. - Due Diligence Vendor-11/12/2025 Open-Asset 1 Missing - Due Diligence Vendor-11/06/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-11/18/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.99% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6163400 | ||||
| 4000098294 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2025-11-06 17:25 | 2025-11-19 13:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-11/19/2025 Ready for Review-Hello, we already provided xxx. I reupload the Bank Statement. Please review and clear the condition. Thank you. - Due Diligence Vendor-11/19/2025 Counter-Document Uploaded. Missing xxx statement - Final 1003 reflects xxx with an available balance of xxx was used for assets. - Due Diligence Vendor-11/12/2025 Ready for Review-Hello, the Asset documents are in the closed package page 169. Please review and waive the condition. - Due Diligence Vendor-11/12/2025 Open-Asset 3 Missing - Due Diligence Vendor-11/06/2025 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-11/19/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.99% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6163401 | ||||
| 4000099581 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000096905 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000098454 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000095555 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000100396 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2025-11-10 13:08 | 2025-11-20 16:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Corrective Security Instrument provided is sufficient.
Thank you. - Due Diligence Vendor-11/20/2025 Ready for Review-Please find attached Corrected DOT & PUD rider - Due Diligence Vendor-11/20/2025 Counter-Section F ("Riders") of the Deed of Trust fails to indicate the Planned Unit Development (PUD) rider. Additionally, the Deed of Trust is missing the required PUD Rider for lender's protection regarding the HOA's covenants, conditions, and assessments (The Promenade at xxx Run HOA) - Due Diligence Vendor-11/13/2025 Ready for Review-Prop type is Detached, thus PUD Rider is not required for this loan. Please kindly waive the condition. - Due Diligence Vendor-11/13/2025 Open-PUD Rider is Missing - Due Diligence Vendor-11/10/2025 |
Resolved-Corrective Security Instrument provided is sufficient.
Thank you. - Due Diligence Vendor-11/20/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten
Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45.28% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6196867 | ||||
| 4000097707 | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2025-11-10 14:58 | 2025-12-10 09:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Corrected DOT sent for re-recording now reflecting a
PUD Rider provided. - Due Diligence
Vendor-12/10/2025 Ready for Review-RE-RECORDED SI W/ SIGNED PUD RIDER - Due Diligence Vendor-12/09/2025 Open-PUD Rider is Missing - Due Diligence Vendor-11/10/2025 |
Resolved-Corrected DOT sent for re-recording now reflecting a
PUD Rider provided. - Due Diligence
Vendor-12/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 21.73 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6199064 | ||||
| 4000094978 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000096703 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000093214 | D | A | A | A | D | A | A | A | Closed | FCOM1224 | 2025-11-11 07:42 | 2025-11-13 10:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved- - Due Diligence Vendor-11/13/2025 Ready for Review-DOT with Riders - Due Diligence Vendor-11/12/2025 Open-Condo Rider is Missing - Due Diligence Vendor-11/11/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6205455 | |||||
| 4000093214 | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2025-11-11 05:53 | 2025-11-13 10:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence
Vendor-11/13/2025 Ready for Review-DOT with Riders - Due Diligence Vendor-11/12/2025 Open-The Deed of Trust is Missing Missing mortgage or Deed of Trust with any riders - Due Diligence Vendor-11/11/2025 |
Resolved-The Deed of Trust is Present - Due Diligence
Vendor-11/13/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6204699 | ||||
| 4000100411 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCRE1467 | 2025-11-11 19:44 | 2025-12-10 16:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset documents provided. Only month required. - Due Diligence Vendor-12/10/2025 Counter-Missing one months statement for each asset listed xxx and xxx as requested by xxx findings. Prudent to rerun with corrected account number but xxx is asking for statements instead of directly verifying. - Due Diligence Vendor-11/26/2025 Ready for Review-there was a typo in the account number. It should be xxx, balance in XXXXX and xxx match statement attached. I have attached an updated loan application. Please advise if xxx needs to be re-run to correct the account number of the asset. - Due Diligence Vendor-11/26/2025 Open-Asset 1 Missing . Provide xxx account xxx for the most recent month prior to closing as seen submitted to xxx for approval. - Due Diligence Vendor-11/12/2025 |
Resolved-Asset documents provided. Only month required. - Due Diligence Vendor-12/10/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6216049 | |||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCRE1329 | 2025-11-21 15:48 | 2025-12-07 09:37 | Resolved | 1 - Information | A | A | Credit | Income | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved- - Due Diligence Vendor-12/07/2025 Open-Borrower 1 W2/1099 Less Than 24 Months Provided - Due Diligence Vendor-12/07/2025 Resolved- - Due Diligence Vendor-12/02/2025 Open-Borrower 1 W2/1099 Less Than 24 Months Provided - Due Diligence Vendor-12/02/2025 Resolved- - Due Diligence Vendor-11/25/2025 Ready for Review-w2 - Due Diligence Vendor-11/25/2025 Rescinded-Borrower 1 W2/1099 Less Than 24 Months Provided - Due Diligence Vendor-11/21/2025 |
Rescinded-Borrower 1 W2/1099 Less Than 24 Months Provided - Due
Diligence Vendor-11/21/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6347377 | |||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCRE1316 | 2025-11-11 19:25 | 2025-12-07 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-12/07/2025 Ready for Review-LES updated - Due Diligence Vendor-12/05/2025 Counter-LES provided is over 10 days from closing. Please provide a later LES or alternative verification. - Due Diligence Vendor-11/26/2025 Ready for Review-loe/les - Due Diligence Vendor-11/26/2025 Counter-The condition is for: Provide a 10-day pre-closing verification (10-day PCV) for the borrower with the xxx employment income dated no more than 10 business days prior to the note date or after the note date but prior to the delivery date. - Due Diligence Vendor-11/19/2025 Ready for Review-LES - Due Diligence Vendor-11/18/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing . Provide a 10-day pre-closing verification (10-day PCV) for the borrower with the xxx employment income dated no more than 10 business days prior to the note date or after the note date but prior to the delivery date. - Due Diligence Vendor-11/12/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-12/07/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6216019 | |||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCRE1328 | 2025-11-11 19:25 | 2025-12-07 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence
Vendor-11/21/2025 Ready for Review-w2 - Due Diligence Vendor-11/21/2025 Counter-The condition is for: Missing YTD earnings and W-2(s) for the most recent calendar year, or a written VOE documenting all YTD earnings and earnings for the most recent calendar year. - Due Diligence Vendor-11/19/2025 Ready for Review-les - Due Diligence Vendor-11/18/2025 Open-Borrower 1 W2/1099 Missing . Base non-fluctuating earnings or fluctuating hourly earnings for borrower must be supported by either a YTD paystub documenting all YTD earnings and W-2(s) for the most recent calendar year, or a written VOE documenting all YTD earnings and earnings for the most recent calendar year. At the time of review only a paystub was provided. - Due Diligence Vendor-11/12/2025 |
Resolved-Borrower 1 W2/1099 Provided - Due Diligence
Vendor-11/21/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6216020 | |||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCRE1182 | 2025-11-11 20:02 | 2025-12-02 13:27 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/02/2025 Ready for Review-xxx - Due Diligence Vendor-12/02/2025 Counter-Please provide xxx findings to support 1008. Currently we are using xxx findings to support approval OR provide 1008 with xxx information. - Due Diligence Vendor-11/26/2025 Ready for Review-1008 - Due Diligence Vendor-11/26/2025 Counter-Provide corrected 1008 reflecting xxx Accept with the correct ratios. - Due Diligence Vendor-11/19/2025 Ready for Review-1008 - Due Diligence Vendor-11/18/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/12/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/02/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6216070 | |||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCRE5116 | 2025-11-12 13:29 | 2025-11-26 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-11/26/2025 Resolved- - Due Diligence Vendor-11/26/2025 Ready for Review-credit supp - Due Diligence Vendor-11/26/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. . Provide housing history for borrower primary residence located at xxx with xxx as it does not appear on the credit report as disclosed on the final 1003. The last reporting mortgage shows transferred in xxx. - Due Diligence Vendor-11/12/2025 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-11/26/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6226870 | |||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCRE1468 | 2025-11-11 19:44 | 2025-11-26 16:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-11/19/2025 Ready for Review-bank statement - Due Diligence Vendor-11/18/2025 Open-Asset 2 Missing . Provide xxx Bank account xxx for the most recent month prior to closing as seen submitted to xxx for approval. - Due Diligence Vendor-11/12/2025 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-11/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6216050 | |||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCRE1503 | 2025-11-12 13:28 | 2025-11-19 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO documents provided. - Due Diligence Vendor-11/19/2025 Ready for Review-Reo docs - Due Diligence Vendor-11/18/2025 Open-. Provide mortgage statement and if not escrowed, the insurance, taxes and HOA if applicable for borrower primary residence located at xxx with xxx. - Due Diligence Vendor-11/12/2025 |
Resolved-REO documents provided.
- Due Diligence Vendor-11/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6226862 | |||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCRE1253 | 2025-11-11 19:11 | 2025-11-19 10:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-11/19/2025 Ready for Review-tax cert - Due Diligence Vendor-11/18/2025 Open-Missing Property Tax Cert . Provide tax certificate for subject property located at xxx as it does not appear on title and was not provided at review. - Due Diligence Vendor-11/12/2025 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-11/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6215967 | |||||
| 4000100242 | D | A | D | A | B | A | A | A | Closed | FCOM3075 | 2025-11-12 13:06 | 2025-11-19 10:29 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | US Patriot Act Disclosure or ID missing or unexecuted | Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-11/19/2025 Ready for Review-patriot act - Due Diligence Vendor-11/18/2025 Open-. Provide executed and verified US Patriot Act Disclosure for the borrower as required by xxx. - Due Diligence Vendor-11/12/2025 |
Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-11/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6226453 | |||||
| 4000099292 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000099638 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000096198 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101066 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000100397 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000098639 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000098652 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE5790 | 2025-11-14 05:13 | 2025-11-21 14:40 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-11/21/2025 Ready for Review-UDM cert3 - Due Diligence Vendor-11/21/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired xxx Greater than 10 days from Closing/Settlement Date xxx - Due Diligence Vendor-11/14/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due
Diligence Vendor-11/21/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249288 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE5791 | 2025-11-14 05:13 | 2025-11-21 14:40 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due
Diligence Vendor-11/21/2025 Ready for Review-UDM cert3 - Due Diligence Vendor-11/21/2025 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 2 Gap Credit Report is Expired xxx Greater than 10 days from Closing/Settlement Date xxx - Due Diligence Vendor-11/14/2025 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due
Diligence Vendor-11/21/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249289 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2025-11-14 05:30 | 2025-11-18 13:37 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-11/18/2025 Ready for Review-1008 - Transmittal Summary - Due Diligence Vendor-11/18/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/14/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-11/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249408 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE6914 | 2025-11-14 04:37 | 2025-11-18 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-11/18/2025 Ready for Review-DL and Patriot Act - Due Diligence Vendor-11/18/2025 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower is a US Citizen. Patriot Act, Drivers license, passport, etc supporting borrowers residency is missing - Due Diligence Vendor-11/17/2025 |
Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-11/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249071 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-11-14 04:37 | 2025-11-18 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-11/18/2025 Ready for Review-DL and Patriot Act - Due Diligence Vendor-11/18/2025 Open-Borrower 1 Citizenship Documentation Is Missing Borrower is a US Citizen. Patriot Act, Drivers license, passport, etc supporting borrowers residency is missing - Due Diligence Vendor-11/17/2025 |
Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-11/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249070 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-11-14 04:51 | 2025-11-18 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-11/18/2025 Ready for Review-Fraud report for both borrowers - Due Diligence Vendor-11/18/2025 Open-Missing Third Party Fraud Report Fraud report for both borrowers is missing from file - Due Diligence Vendor-11/14/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-11/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249149 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE1330 | 2025-11-14 05:06 | 2025-11-18 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence
Vendor-11/18/2025 Ready for Review-Borrower 1 Paystubs - Due Diligence Vendor-11/18/2025 Open-Borrower 1 Paystubs Missing Current paystub from xxx for B1 / xxx required and missing from file - Due Diligence Vendor-11/17/2025 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence
Vendor-11/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249220 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE1328 | 2025-11-14 05:06 | 2025-11-18 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence
Vendor-11/18/2025 Ready for Review-Borrower 1 W2 - Due Diligence Vendor-11/18/2025 Open-Borrower 1 W2/1099 Missing Current W2 from xxx for B1 / xxx is required and missing from file - Due Diligence Vendor-11/17/2025 |
Resolved-Borrower 1 W2/1099 Provided - Due Diligence
Vendor-11/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249221 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE1360 | 2025-11-14 05:06 | 2025-11-18 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 Paystubs Missing | Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-11/18/2025 Ready for Review-Borrower 2 Paystubs - Due Diligence Vendor-11/18/2025 Open-Borrower 2 Paystubs Missing Current paystub for B2 / xxx from xxx is required and missing from file - Due Diligence Vendor-11/17/2025 |
Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-11/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249222 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE1358 | 2025-11-14 05:06 | 2025-11-18 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-11/18/2025 Ready for Review-Borrower 2 W2 - Due Diligence Vendor-11/18/2025 Open-Borrower 2 W2/1099 Missing Current W2 for B2 / xxx from xxx and is missing from file - Due Diligence Vendor-11/17/2025 |
Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-11/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249223 | |||||
| 4000098845 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-11-14 05:06 | 2025-11-18 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-11/18/2025 Ready for Review-Income worksheets - Due Diligence Vendor-11/18/2025 Open-Missing Lender Worksheet or Bank Statement Summary Lender income worksheet is missing for both borrowers. 1) Income for B1 must be supported in the amount no less than xxx a month 2) Income for B2 must be supported in the amount of xxx - Due Diligence Vendor-11/17/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-11/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6249224 | |||||
| 4000101106 | D | A | D | A | A | A | C | A | Closed | FPRO9939 | 2025-12-04 15:08 | 2026-01-11 09:41 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-01/11/2026
Ready for Review-CDA - Due Diligence Vendor-01/09/2026 Open-- Missing guideline required viable appraisal review product. - Due Diligence Vendor-12/04/2025 |
Resolved-Desk review provided - Due Diligence
Vendor-01/11/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 146.21 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6491503 | ||||
| 4000101106 | D | A | D | A | A | A | C | A | Closed | FCRE1197 | 2025-11-14 19:21 | 2025-12-02 07:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to
Guideline FICO of 720 - Due Diligence Vendor-12/02/2025 Ready for Review-credit report - Due Diligence Vendor-12/01/2025 Open-Audited FICO of is less than Guideline FICO of 720 TPR is unable to verify the required credit score for approval. Credit report is missing from file - Due Diligence Vendor-11/15/2025 |
Resolved-Audited FICO of xxx is greater than or equal to
Guideline FICO of 720 - Due Diligence Vendor-12/02/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 146.21 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6261793 | ||||
| 4000101106 | D | A | D | A | A | A | C | A | Closed | FCRE5770 | 2025-11-14 19:03 | 2025-12-02 07:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-12/02/2025 Ready for Review-credit report - Due Diligence Vendor-12/01/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-11/15/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-12/02/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 146.21 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6261725 | ||||
| 4000100853 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-11-17 13:44 | 2025-11-18 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. VVOE for xxx was via proof of current income and license since he is 1099/SE - Seller-11/18/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party VVOE prior to Close - Due Diligence Vendor-11/17/2025 |
Ready for Review-Document Uploaded. VVOE for xxx was via proof
of current income and license since he is 1099/SE - Seller-11/18/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-11/18/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.19 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.37% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6276887 | |||
| 4000100250 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000099814 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000097309 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000099013 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000097777 | B | B | A | A | A | A | B | B | Closed | FVAL4188 | 2025-11-18 18:47 | 2025-11-18 18:47 | Waived | 2 - Non-Material | B | B | Property | Property Issue | Property Marketability Issues | Waived-Approved exception with comp factors for Non Warrantable Condo. - Due Diligence Vendor-11/18/2025 | Waived-Approved exception with comp factors for Non Warrantable
Condo. - Due Diligence Vendor-11/18/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 339.79 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
DSCR score exceeds minimum. Experienced investor. 50% LTV is below minimum. xxx FICO is above minimum. | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | 6297272 | ||||
| 4000099793 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000095821 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2025-11-19 18:28 | 2025-11-25 10:09 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-11/25/2025 Ready for Review-1008 - Due Diligence Vendor-11/25/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/19/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-11/25/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6313759 | |||||
| 4000095821 | D | A | D | A | A | A | A | A | Closed | FCRE6914 | 2025-11-19 03:54 | 2025-11-25 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-11/25/2025 Ready for Review-Patriot Act Photo ID - Due Diligence Vendor-11/25/2025 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-11/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6299660 | ||||||
| 4000095821 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-11-19 03:54 | 2025-11-25 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-11/25/2025 Ready for Review-Patriot Act Photo ID - Due Diligence Vendor-11/25/2025 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-11/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6299659 | ||||||
| 4000101429 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000097710 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-11-20 07:21 | 2025-11-26 03:47 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-11/26/2025 Ready for Review-please see attached - Due Diligence Vendor-11/25/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-11/20/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-11/26/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6317577 | ||||
| 4000099596 | C | A | A | A | C | A | A | A | Closed | finding-3712 | 2025-11-19 17:57 | 2025-12-04 10:56 | Cured | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Cured-Cured state fail - interest reimbursed - Due Diligence
Vendor-12/04/2025 Resolved- - Due Diligence Vendor-12/04/2025 Ready for Review-Hello, we have decided to cure the xxx and providing the updated documents. Please review the condition. Thank you. - Due Diligence Vendor-12/04/2025 Counter-**Received xxx Per Diem Interest Disclosure; borrower selected option for a disbursement of xxx but additional interest section was left blank. PCCD in the file indicates a disbursement date of xxx but section F only shows interest from xxx. - Due Diligence Vendor-11/25/2025 Ready for Review-Here is the xxx PER DIEM. Please review and waive the condition. - Due Diligence Vendor-11/25/2025 Open-This loan failed the per diem interest amount test. (xxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan (xxx) exceeds the per diem interest charge or credit threshold (xxx).PLEASE NOTE: An additional xxx buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. **** Please provide the xxx Per Diem Disclosure for review - Due Diligence Vendor-11/20/2025 |
Cured-Cured state fail - interest reimbursed - Due Diligence
Vendor-12/04/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.62% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.75 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6313572 | ||||
| 4000101345 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000101680 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101049 | C | A | C | A | A | A | A | A | Closed | FCRE1169 | 2025-11-20 11:40 | 2025-11-26 03:50 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Flood Insurance Effective Date of is prior to or equal to the Note Date of
xxx Or Flood Insurance Effective Date Is Not Provided - Due Diligence
Vendor-11/26/2025 Ready for Review-Here you are. - Due Diligence Vendor-11/26/2025 Open-Flood Certification Date is greater than xxx - Due Diligence Vendor-11/20/2025 |
Resolved-Flood Insurance Effective Date of is prior to or equal to the Note Date of
xxx Or Flood Insurance Effective Date Is Not Provided - Due Diligence
Vendor-11/26/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.18% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.28 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6323322 | ||||
| 4000098034 | C | A | C | A | A | A | A | A | Closed | FCRE1294 | 2025-11-21 04:51 | 2025-12-05 08:52 | Resolved | 1 - Information | C | A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/05/2025 Ready for Review-SSI - Due Diligence Vendor-12/03/2025 Open-Income 3 Months Income Verified is Missing Per AUS xxx Key number- xxx submissions number 08- SSI income stated xxx a month is missing for B1. code number xxx category employment and income- Please provide documentation to support. - Due Diligence Vendor-11/21/2025 |
Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/05/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6336461 | |||||
| 4000100440 | C | A | C | A | C | A | A | A | Closed | FCRE1193 | 2025-11-21 07:47 | 2025-11-28 06:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.34% is less than or equal to
Guideline DTI of 55% - Due Diligence
Vendor-11/28/2025 Ready for Review-In the original closing pkg uploaded, we were being conservative and only used the income from xxx, since income from xxx was higher. However, per our guideline, we are able to use the average of xxx. Income was updated which brought the DTI down to 49.74%. Please find attached 1008&1003&income worksheet updated - Due Diligence Vendor-11/28/2025 Open-Audited DTI of 64.72% exceeds Guideline DTI of 55% Audited DTI of 64.72% exceeds Guideline DTI of 55%. xxx Cards -xxx reflects a payment increase from xxx as of xxx. - Due Diligence Vendor-11/24/2025 |
Resolved-Audited DTI of 49.34% is less than or equal to
Guideline DTI of 55% - Due Diligence
Vendor-11/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 49.34% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.87 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6337807 | ||||
| 4000101057 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000098657 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2025-11-21 04:00 | 2025-12-29 08:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence
Vendor-12/29/2025 Ready for Review-1003 - Due Diligence Vendor-12/26/2025 Open-The Final 1003 is Missing - Due Diligence Vendor-11/21/2025 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-12/29/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6336187 | ||||
| 4000098657 | D | A | D | A | D | A | A | A | Closed | FCRE1292 | 2025-11-21 04:59 | 2025-12-18 12:42 | Resolved | 1 - Information | C | A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/11/2025 Ready for Review-24 months bank statements - Due Diligence Vendor-12/11/2025 Open-Income 1 Months Income Verified is Missing As per 1008 & lender worksheet income is qualified by using 24 months business bank statement but bank statements are missing - Due Diligence Vendor-11/21/2025 |
Resolved-Income 1 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/11/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6336521 | ||||
| 4000098657 | D | A | D | A | D | A | A | A | Closed | FCRE1342 | 2025-11-21 16:10 | 2025-12-18 12:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-12/11/2025 Open-Borrower 1 Business Bank Statements Missing As per 1008 & lender worksheet income is qualified by using 24 months business bank statement but bank statements are missing - Due Diligence Vendor-11/21/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-12/11/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6347675 | |||||
| 4000098657 | D | A | D | A | D | A | A | A | Closed | FCRE1325 | 2025-12-15 11:19 | 2025-12-18 12:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence
Vendor-12/18/2025 Ready for Review-Bus Narrative CPA Letter - Due Diligence Vendor-12/17/2025 Open-Missing Business narrative/CPA letter for xxx xxx to validate borrower ownership % and business details to confirm expense ratio used in qualifying. - Due Diligence Vendor-12/15/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence
Vendor-12/18/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6624462 | ||||
| 4000098657 | D | A | D | A | D | A | A | A | Closed | FCOM1280 | 2025-11-21 11:22 | 2025-12-04 08:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Collateral Protection Notice is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/04/2025 Ready for Review-Collateral Protection Disclosure - Due Diligence Vendor-12/03/2025 Open-Collateral Protection Notice is Missing - Due Diligence Vendor-11/21/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/04/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6341145 | ||||
| 4000099777 | D | A | D | A | D | A | D | A | Closed | FPRO1244 | 2025-11-25 10:47 | 2025-12-29 10:35 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided.
- Due Diligence Vendor-12/29/2025 Ready for Review-CDA - Due Diligence Vendor-12/29/2025 Counter-Missing Desk review - The UCDP CU & LCA provided reflects no scores and Not Eligible - Due Diligence Vendor-12/05/2025 Ready for Review-SSRs - Due Diligence Vendor-12/04/2025 Counter-Document Uploaded. Per Guidelines: Third party valuation required. Missing UCDP and or Desk review - Due Diligence Vendor-12/03/2025 Ready for Review-ROV - Due Diligence Vendor-12/03/2025 Open- - Due Diligence Vendor-11/25/2025 |
Resolved-Desk review provided.
- Due Diligence Vendor-12/29/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6382603 | |||||
| 4000099777 | D | A | D | A | D | A | D | A | Closed | FCRE1330 | 2025-11-25 09:13 | 2025-12-05 07:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence
Vendor-12/03/2025 Ready for Review-paystubs - Due Diligence Vendor-12/03/2025 Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-11/25/2025 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence
Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6380565 | |||||
| 4000099777 | D | A | D | A | D | A | D | A | Closed | FCRE1328 | 2025-11-25 09:13 | 2025-12-05 07:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence
Vendor-12/05/2025 Ready for Review-w2s - Due Diligence Vendor-12/04/2025 Counter-No document attached, please reupload - Due Diligence Vendor-12/03/2025 Ready for Review-w2 - Due Diligence Vendor-12/03/2025 Open-Borrower 1 W2/1099 Missing Borrower 1 W2 xxx missing. - Due Diligence Vendor-11/25/2025 |
Resolved-Borrower 1 W2/1099 Provided - Due Diligence
Vendor-12/05/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6380566 | |||||
| 4000099777 | D | A | D | A | D | A | D | A | Closed | FCOM1232 | 2025-11-21 21:32 | 2025-12-05 07:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence
Vendor-12/05/2025 Ready for Review-signed final 1003 - Due Diligence Vendor-12/04/2025 Open-The Final 1003 is Missing for both the borrowers - Due Diligence Vendor-11/22/2025 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-12/05/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6352024 | |||||
| 4000099777 | D | A | D | A | D | A | D | A | Closed | FCRE6019 | 2025-11-21 22:25 | 2025-12-05 07:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not
Required - Due Diligence Vendor-12/05/2025 Resolved-USA Patriot Act Form provided - Due Diligence Vendor-12/03/2025 Ready for Review-USA Patriot Act Disclosures - Due Diligence Vendor-12/03/2025 Open-Borrower 1 Citizenship Documentation Is Missing in file - Due Diligence Vendor-11/22/2025 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not
Required - Due Diligence Vendor-12/05/2025 Resolved-USA Patriot Act Form provided - Due Diligence Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6352263 | |||||
| 4000099777 | D | A | D | A | D | A | D | A | Closed | FCRE6914 | 2025-11-21 22:25 | 2025-12-05 07:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not
Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is
NA) - Due Diligence Vendor-12/05/2025 Resolved-USA Patriot Act Form provided - Due Diligence Vendor-12/03/2025 Ready for Review-photo IDs - Due Diligence Vendor-12/03/2025 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) in file - Due Diligence Vendor-11/22/2025 |
Resolved-Borrower 2 Citizenship Documentation Provided or Not
Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is
NA) - Due Diligence Vendor-12/05/2025 Resolved-USA Patriot Act Form provided - Due Diligence Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6352264 | |||||
| 4000099777 | D | A | D | A | D | A | D | A | Closed | FCRE1182 | 2025-11-22 00:42 | 2025-12-03 16:04 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/03/2025 Ready for Review-1008 - Due Diligence Vendor-12/03/2025 Open-1008/Underwriting Summary Not Provided in file - Due Diligence Vendor-11/22/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6352584 | |||||
| 4000099777 | D | A | D | A | D | A | D | A | Closed | FCRE7497 | 2025-11-22 00:33 | 2025-12-03 16:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements provided (all 3 properties
escrowed) - Due Diligence
Vendor-12/03/2025 Ready for Review-REO - Due Diligence Vendor-12/03/2025 Open-Missing mortgage statement for REO xxx and for xxx. - Due Diligence Vendor-11/22/2025 |
Resolved-Mortgage statements provided (all 3 properties
escrowed) - Due Diligence
Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6352550 | |||||
| 4000099777 | D | A | D | A | D | A | D | A | Closed | FCRE1161 | 2025-11-21 22:21 | 2025-12-03 15:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/03/2025 Ready for Review-flood cert - Due Diligence Vendor-12/03/2025 Open-Missing Flood Certificate in file - Due Diligence Vendor-11/22/2025 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6352258 | |||||
| 4000101533 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101828 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101815 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102000 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000101674 | D | A | D | A | A | A | A | A | Closed | FCRE1162 | 2025-11-23 02:23 | 2025-12-09 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/09/2025 Ready for Review-Flood - uploaded on friday not sure why doesnt show - Due Diligence Vendor-12/08/2025 Open-Flood Certificate is Partially Provided, missing provider info. - Due Diligence Vendor-11/23/2025 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/09/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.73% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 304.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | 6355510 | ||||
| 4000101678 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2025-11-23 04:59 | 2025-12-12 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-12/12/2025 Ready for Review-Updated 1008/1003. - Due Diligence Vendor-12/11/2025 Counter-Please provided updated 1003 removing the 3 xxx accounts. - Due Diligence Vendor-12/05/2025 Ready for Review-Funds were not needed for qualifying for loan. Please back out. - Due Diligence Vendor-12/04/2025 Open-Asset 2 Missing Missing xxx ending ...xxx showing in final 1003. - Due Diligence Vendor-11/25/2025 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-12/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 269.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6355751 | ||||
| 4000101678 | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2025-11-23 04:59 | 2025-12-12 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-12/12/2025 Ready for Review-Final 1008/1003 - Due Diligence Vendor-12/11/2025 Counter-Please provided updated 1003 removing the 3 xxx accounts. - Due Diligence Vendor-12/05/2025 Ready for Review-Funds not needed for transaction - please back out. - Due Diligence Vendor-12/04/2025 Open-Asset 3 Missing Missing xxx ending ...xxx showing in final 1003. - Due Diligence Vendor-11/25/2025 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-12/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 269.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6355752 | ||||
| 4000101678 | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2025-11-23 04:59 | 2025-12-12 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-12/12/2025 Ready for Review-Updated 1003/1008 - Due Diligence Vendor-12/11/2025 Counter-Please provided updated 1003 removing the 3 xxx accounts. - Due Diligence Vendor-12/05/2025 Ready for Review-Funds not needed for transaction - plesae back out. - Due Diligence Vendor-12/04/2025 Open-Asset 4 Missing Missing xxx ending ...xxx showing in final 1003. - Due Diligence Vendor-11/25/2025 |
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-12/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 269.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.57% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6355753 | ||||
| 4000095493 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-11-24 04:53 | 2025-12-04 10:29 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance
findings. - Due Diligence Vendor-12/04/2025 Ready for Review-ICD and Corresponding Audit Log - Due Diligence Vendor-12/03/2025 Open-Initial Closing Disclosure is missing. ******Documentation provided does not contain the ICD. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-11/24/2025 |
Resolved-ICD received, data entered, no additional compliance
findings. - Due Diligence Vendor-12/04/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 63.74% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.22 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6358424 | ||||
| 4000102023 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000099783 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000100495 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2025-11-24 03:27 | 2025-12-04 11:21 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/04/2025 Ready for Review-1008 - Due Diligence Vendor-12/03/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/24/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/04/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6358038 | |||||
| 4000100495 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2025-11-24 01:31 | 2025-12-04 11:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-12/04/2025 Ready for Review-condo doc - Due Diligence Vendor-12/03/2025 Open-HOA Questionnaire Document status is Missing. Missing HOA Questionnaire Document - Due Diligence Vendor-11/25/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-12/04/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6357620 | |||||
| 4000100495 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-11-24 03:16 | 2025-12-04 11:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-12/04/2025 Ready for Review-voe - Due Diligence Vendor-12/03/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/24/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-12/04/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6357996 | |||||
| 4000101561 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-11-24 14:47 | 2025-12-12 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-newly closed Loan for xxx - Final CD (escrowed) &
Note provided. - Due Diligence
Vendor-12/12/2025 Ready for Review-Please see attached Note and CD. Statements are not available as of yet. - Due Diligence Vendor-12/11/2025 Open-For the Following Property xxx - Due Diligence Vendor-11/24/2025 |
Resolved-xxx closed Loan for xxx property - Final CD (escrowed)
& Note provided. - Due Diligence
Vendor-12/12/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6370171 | |||||
| 4000101770 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000100789 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-11-26 17:55 | 2025-12-04 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-12/04/2025 Ready for Review-VOE - Due Diligence Vendor-12/03/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/26/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-12/04/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6409927 | |||||
| 4000100789 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-11-24 16:25 | 2025-12-04 12:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Newly closed Loan for xxx(CD) provided escrowed - Due Diligence Vendor-12/04/2025 Ready for Review-xxx docs - Due Diligence Vendor-12/03/2025 Open-Mortgage statement missing for the property xxx - Due Diligence Vendor-11/24/2025 |
Resolved-xxx closed Loan for xxx (CD) provided escrowed - Due Diligence Vendor-12/04/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6372151 | |||||
| 4000100315 | D | A | D | A | A | A | C | A | Closed | FPRO9939 | 2025-11-25 14:48 | 2025-12-03 16:09 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved- - Due Diligence Vendor-12/03/2025 Resolved-desk review provided. - Due Diligence Vendor-12/03/2025 Ready for Review-cda - Due Diligence Vendor-12/03/2025 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.8) No desk review on file and both CU and LCA are ineligible risk scores. Need a 3rd party valuation product that supports the origination value. - Due Diligence Vendor-11/25/2025 |
Resolved-desk review provided. - Due Diligence
Vendor-12/03/2025 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6388197 | |||||
| 4000100315 | D | A | D | A | A | A | C | A | Closed | FCRE1182 | 2025-11-24 16:48 | 2025-12-03 16:08 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/03/2025 Ready for Review-1008 - Due Diligence Vendor-12/03/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/24/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/03/2025 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6372709 | |||||
| 4000100315 | D | A | D | A | A | A | C | A | Closed | FCRE6914 | 2025-11-24 15:00 | 2025-12-03 16:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-12/03/2025 Ready for Review-patriot - Due Diligence Vendor-12/03/2025 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Missing USA Patriot Act Form or Valid Driver’s License for Borrower 2 - Due Diligence Vendor-11/24/2025 |
Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-12/03/2025 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6370441 | |||||
| 4000100315 | D | A | D | A | A | A | C | A | Closed | FCRE6019 | 2025-11-24 15:00 | 2025-12-03 16:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-12/03/2025 Ready for Review-patriot - Due Diligence Vendor-12/03/2025 Open-Borrower 1 Citizenship Documentation Is Missing Missing USA Patriot Act Form or Valid Driver’s License for Borrower 1 - Due Diligence Vendor-11/24/2025 |
Resolved-USA Patriot Act Form provided - Due Diligence
Vendor-12/03/2025 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6370440 | |||||
| 4000101046 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000096806 | C | A | A | A | C | A | A | A | Closed | FCOM1234 | 2025-11-24 20:46 | 2025-12-15 08:55 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence
Vendor-12/15/2025 Ready for Review-1003 - Due Diligence Vendor-12/12/2025 Counter-Missing the Signed & Dated Final 1003 from borrower at the time of closing. - Due Diligence Vendor-12/05/2025 Ready for Review-1003 - Due Diligence Vendor-12/03/2025 Open-The Final 1003 is Not Executed Final 1003 is signed not dated from borrower. - Due Diligence Vendor-11/25/2025 |
Resolved-The Final 1003 is Executed - Due Diligence
Vendor-12/15/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6375783 | |||||
| 4000099824 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000099225 | D | A | D | A | D | A | A | A | Closed | FCRE1364 | 2025-11-28 08:32 | 2025-12-16 14:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable
(Number of Borrowers equals 2) - Due Diligence Vendor-12/16/2025 Ready for Review-please scroll down to pg17 of the previously provided pdf file (attached to condition) - Due Diligence Vendor-12/16/2025 Counter-The condition is for Missing Borrower's 2 executed 4506. - Due Diligence Vendor-12/12/2025 Ready for Review-4506 - Due Diligence Vendor-12/11/2025 Open-Borrower 2 Executed 4506-T Missing Missing Borrower 2 executed 4506. - Due Diligence Vendor-11/28/2025 |
Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable
(Number of Borrowers equals 2) - Due Diligence Vendor-12/16/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6416019 | |||||
| 4000099225 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2025-11-25 02:58 | 2025-12-12 07:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence
Vendor-12/12/2025 Ready for Review-1003 - Due Diligence Vendor-12/11/2025 Open-The Final 1003 is Missing - Due Diligence Vendor-11/25/2025 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-12/12/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6377554 | |||||
| 4000100629 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2025-11-25 09:15 | 2025-12-04 08:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-Business purpose and non-owner occupancy affidavit
provided. - Due Diligence
Vendor-12/04/2025 Ready for Review-business purpose - Due Diligence Vendor-12/03/2025 Open-Provide Business Purpose Document for the Subject Property " xxx ". - Due Diligence Vendor-11/25/2025 |
Resolved-Business purpose and non-owner occupancy affidavit
provided. - Due Diligence
Vendor-12/04/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6380602 | |||||
| 4000098863 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000099647 | C | A | C | A | A | A | A | A | Closed | FCRE1116 | 2025-11-26 05:16 | 2025-12-09 11:12 | Resolved | 1 - Information | C | A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Security Instrument Date of xxx matches Note Date of
xxx - Due Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. attached - Buyer-12/08/2025 Open-Security Instrument Date of xxx does not match the Note Date of xxx . Deed of Trust is missing pages 4-17 - Due Diligence Vendor-12/01/2025 |
Resolved-Security Instrument Date of xxx matches Note Date of
xxx - Due Diligence Vendor-12/09/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 78.82 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Mortgage.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6396215 | ||||
| 4000101869 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2025-11-25 20:03 | 2025-12-12 10:30 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-12/12/2025 Ready for Review-Branch: "I have the attached e-mail from the insurance company which confirms that that's 100% replacement cost, but they do not have the replacement cost analysis. I also have the attached from the appraisal which shows the total cost of new less than the dwelling coverage." - Due Diligence Vendor-12/10/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-11/26/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-12/12/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 46.79% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 109.39 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6392086 | ||||
| 4000099722 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-11-26 07:25 | 2025-12-04 08:08 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/04/2025 Ready for Review-Please see attached updated 1008 for review. - Due Diligence Vendor-12/03/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/26/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/04/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.19% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 253.19 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6397105 | ||||
| 4000101377 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000101829 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000100777 | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2025-11-28 07:17 | 2025-12-04 12:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-12/03/2025 Ready for Review-xxx 401k statement - Due Diligence Vendor-12/03/2025 Open-Asset 4 Missing Provide Bank Statement for the Retirement Acct " Principal, xxx and xxx. However Its not Present in the Loan Package. - Due Diligence Vendor-11/28/2025 |
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6415724 | |||||
| 4000100777 | D | A | D | A | A | A | A | A | Closed | FCRE1748 | 2025-11-28 07:49 | 2025-12-03 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-Business Purpose occupancy document provided. - Due Diligence Vendor-12/03/2025 Ready for Review-Business Purpose document - Due Diligence Vendor-12/03/2025 Open-Provide Business Purpose document for the Subject Property. - Due Diligence Vendor-11/28/2025 |
Resolved-Business Purpose occupancy document provided. - Due Diligence Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6415877 | |||||
| 4000100777 | D | A | D | A | A | A | A | A | Closed | FCRE1360 | 2025-11-28 06:43 | 2025-12-03 14:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 Paystubs Missing | Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-12/03/2025 Ready for Review-Borrower 2 Paystubs - Due Diligence Vendor-12/03/2025 Open-Borrower 2 Paystubs Missing Provide Paystubs of the Co-Borrower for Income Verification of " xxx ". - Due Diligence Vendor-11/28/2025 |
Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6415613 | |||||
| 4000100777 | D | A | D | A | A | A | A | A | Closed | FCRE1359 | 2025-11-28 07:44 | 2025-12-03 14:53 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 2 W2/1099 Less Than 24 Months Provided | Resolved-Borrower 2 W2/1099 Are 24 or More Months Provided or
Not Applicable (Number of Borrowers equals 2) - Due Diligence
Vendor-12/03/2025 Ready for Review-2024 W2 xxx - Due Diligence Vendor-12/03/2025 Open-Borrower 2 W2/1099 Less Than 24 Months Provided Provide 2023 Year W for the Co-Borrower Employer " xxx". - Due Diligence Vendor-11/28/2025 |
Resolved-Borrower 2 W2/1099 Are 24 or More Months Provided or
Not Applicable (Number of Borrowers equals 2) - Due Diligence
Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6415842 | |||||
| 4000100777 | D | A | D | A | A | A | A | A | Closed | FCRE1294 | 2025-11-28 07:44 | 2025-12-03 14:53 | Resolved | 1 - Information | C | A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/03/2025 Ready for Review-xxx Income Calc Updated - Due Diligence Vendor-12/03/2025 Open-Income 3 Months Income Verified is Missing Provide 2 Years employee " xxx " History for the Co-Borrower for Bonus income Calculation. - Due Diligence Vendor-11/28/2025 |
Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6415843 | |||||
| 4000100777 | D | A | D | A | A | A | A | A | Closed | FCRE1363 | 2025-12-01 12:56 | 2025-12-03 14:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 WVOE Missing | Resolved-Borrower 2 WVOE Provided or Not Applicable (Number of
Borrowers equals 2) - Due Diligence Vendor-12/03/2025 Ready for Review-Borrower 2 WVOE - Due Diligence Vendor-12/03/2025 Open-Borrower 2 WVOE Missing - Due Diligence Vendor-12/01/2025 |
Resolved-Borrower 2 WVOE Provided or Not Applicable (Number of
Borrowers equals 2) - Due Diligence Vendor-12/03/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6431202 | |||||
| 4000102776 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101603 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000098820 | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-12-01 12:16 | 2025-12-09 14:06 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence
Vendor-12/09/2025 Ready for Review-W2s, Paystubs, VOE - Due Diligence Vendor-12/08/2025 Open-Income and Employment Do Not Meet Guidelines -Per LPA pg 660 xxx key number xxx submission number 05, code xxx We are missing proff of income for B1 only xxx W2's in file. and B2 no income documents are in file. - Provide either YTD paystubs or Written VOE for the Borrower and Co-borrower. Loan file contains two years W2s for the Borrower only. -For both B1 and B2 - Base non-fluctuating earnings or fluctuating hourly earnings must be supported by either a YTD paystub documenting all YTD earnings and W-2(s) for the most recent calendar year, or a written VOE documenting all YTD earnings and earnings for the most recent calendar year. - Due Diligence Vendor-12/01/2025 |
Resolved-Income and Employment Meet Guidelines - Due Diligence
Vendor-12/09/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6430432 | |||||
| 4000100683 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102193 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-11-28 10:08 | 2025-12-04 13:16 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance
findings - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. attached - Buyer-12/03/2025 Open-******Documentation provided does not contain the Initial Closing Disclosure Missing Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-11/28/2025 |
Resolved-ICD received, data entered, no additional compliance
findings - Due Diligence Vendor-12/04/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.17 Low Credit Usage Ratio Of Twenty-Five Percent (25%)
Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.9 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 27.9 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.74% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Calculated DTI Of 31.74% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6416469 | ||||
| 4000100834 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-12-02 12:23 | 2025-12-03 15:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Final CD, (escrowed) and Property report provided -
Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. property docs for xxx attached - Buyer-12/03/2025 Open-Missing verification of taxes, insurance for non-subject property(s): item # per 1003 3x, xxx, terms of financing with xxx - Due Diligence Vendor-12/02/2025 |
Resolved-Final CD, (escrowed) and Property report provided - Due
Diligence Vendor-12/03/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
21.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - 21.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.30 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 379.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 379.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.30 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.30 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Calculated DTI Of 5.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.75 Years Borrower At Current Residence For Five (5) Or More Years - 9.75 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6449721 | ||||
| 4000102401 | D | A | C | A | D | A | A | A | Closed | FCRE1159 | 2025-12-02 14:43 | 2025-12-04 10:05 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. - Seller-12/03/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx loan disbursed xxx; HOI effective date xxx - Due Diligence Vendor-12/02/2025 |
Ready for Review-Document Uploaded. - Seller-12/03/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-12/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 33.96% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.96% Is Less
Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
XXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6453070 | |||
| 4000102401 | D | A | C | A | D | A | A | A | Closed | FCOM1231 | 2025-12-01 05:20 | 2025-12-04 08:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence
Vendor-12/04/2025 Ready for Review-Document Uploaded. - Seller-12/03/2025 Open-The Initial 1003 is Missing Provide Initial 1003 for the Subject Property With All the Info. - Due Diligence Vendor-12/01/2025 |
Ready for Review-Document Uploaded. - Seller-12/03/2025 |
Resolved-The Initial 1003 is Present - Due Diligence
Vendor-12/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 33.96% Is Less Than The Guideline
Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.96% Is Less
Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6424807 | |||
| 4000099115 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102552 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000099848 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000098515 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000099428 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-12-01 02:25 | 2025-12-08 14:55 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/08/2025 Ready for Review-1008 - Due Diligence Vendor-12/08/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/01/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/08/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 59.52% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6424189 | ||||
| 4000102670 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102570 | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-12-01 00:53 | 2025-12-12 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-12/12/2025 Ready for Review-12 mos business bank statements - Due Diligence Vendor-12/11/2025 Open-Borrower 1 Business Bank Statements Missing 12 months Business Bank statements are missing for the account ending with xxx from xxx supporting no less than xxx a month - Due Diligence Vendor-12/01/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due
Diligence Vendor-12/12/2025 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6423820 | |||||
| 4000102570 | D | A | D | A | A | A | A | A | Closed | FCRE1372 | 2025-12-01 00:53 | 2025-12-12 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 Business Bank Statements Missing | Resolved-Borrower 2 Business Bank Statements Provided or Not
Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/12/2025
Ready for Review-12 mos business bank statements - Due Diligence Vendor-12/11/2025 Open-Borrower 2 Business Bank Statements Missing 12 months Business Bank statements are missing for the account ending with xxx from xxx supporting no less than xxx a month - Due Diligence Vendor-12/01/2025 |
Resolved-Borrower 2 Business Bank Statements Provided or Not
Applicable (Number of Borrowers equals 2) - Due Diligence
Vendor-12/12/2025 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6423821 | |||||
| 4000102570 | D | A | D | A | A | A | A | A | Closed | FCRE4104 | 2025-12-02 08:06 | 2025-12-12 13:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Business bank statements provided and verified large
deposit per xxx - Due Diligence Vendor-12/12/2025 Ready for Review-The large deposit- is a business account and would not need to be sourced - 1008 manual UW - Due Diligence Vendor-12/11/2025 Open-Per xxx under doc pg #571 reflects that assets were validated but large deposit in the amount of xxx into account xxx needs to be verified. Either provide required supporting documentation or remove from xxx, rerun and receive an approve/eligible - Due Diligence Vendor-12/02/2025 |
Resolved-Business bank statements provided and verified large
deposit per xxx - Due Diligence Vendor-12/12/2025 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6442741 | |||||
| 4000102570 | D | A | D | A | A | A | A | A | Closed | FCRE1253 | 2025-12-02 05:54 | 2025-12-09 12:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/09/2025 Ready for Review-property tax doc - Due Diligence Vendor-12/08/2025 Open-Missing Property Tax Cert Supporting documentation from title or xxx County for yearly taxes is missing from the file - Due Diligence Vendor-12/02/2025 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/09/2025 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6441715 | |||||
| 4000100358 | D | A | D | A | D | A | C | A | Closed | FCRE1241 | 2025-12-01 05:14 | 2025-12-08 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-12/08/2025 Ready for Review-Purchase Contract - Due Diligence Vendor-12/05/2025 Open-Purchase Contract Is Missing - Due Diligence Vendor-12/01/2025 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-12/08/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6424781 | |||||
| 4000100358 | D | A | D | A | D | A | C | A | Closed | FPRO1136 | 2025-12-01 05:14 | 2025-12-08 11:04 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-12/08/2025 Ready for Review-Electrical Wiring completed - Due Diligence Vendor-12/05/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-12/01/2025 |
Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-12/08/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6424782 | |||||
| 4000100358 | D | A | D | A | D | A | C | A | Closed | FCRE1130 | 2025-12-02 09:33 | 2025-12-08 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Mortgage Insurance Cert Missing | Resolved-Mortgage Insurance is Present and Mortgage Insurance
Cert has been provided - Due Diligence Vendor-12/08/2025 Ready for Review-MI Cert - Due Diligence Vendor-12/05/2025 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Provide mortgage insurance cert xxx from xxx reflecting 25% coverage with initial premium xxx and expires xxx - Due Diligence Vendor-12/02/2025 |
Resolved-Mortgage Insurance is Present and Mortgage Insurance
Cert has been provided - Due Diligence Vendor-12/08/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6444165 | |||||
| 4000100358 | D | A | D | A | D | A | C | A | Closed | FCOM1231 | 2025-12-01 04:42 | 2025-12-08 10:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence
Vendor-12/08/2025 Ready for Review-Initial 1003 with tracking to the borrower - Due Diligence Vendor-12/05/2025 Open-The Initial 1003 is Missing - Due Diligence Vendor-12/01/2025 |
Resolved-The Initial 1003 is Present - Due Diligence
Vendor-12/08/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6424665 | |||||
| 4000103854 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000099087 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2025-12-01 01:27 | 2025-12-24 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. MERGED CREDIT REPORT ATTACHED - Seller-12/03/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-12/01/2025 |
Ready for Review-Document Uploaded. MERGED CREDIT REPORT
ATTACHED - Seller-12/03/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-12/03/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 29.00 Years
Borrower At Current Residence For Five (5) Or More Years - 29.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.65% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 57.65% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
Borrower 1 Credit Report is Missing. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6423939 | ||
| 4000099087 | D | A | D | A | A | A | A | A | Closed | FCRE5771 | 2025-12-01 01:27 | 2025-12-24 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due
Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. MERGED CREDIT REPORT ATTACHED - Seller-12/03/2025 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-12/01/2025 |
Ready for Review-Document Uploaded. MERGED CREDIT REPORT
ATTACHED - Seller-12/03/2025 |
Resolved-Borrower 2 Credit Report is not missing. - Due
Diligence Vendor-12/03/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 29.00 Years
Borrower At Current Residence For Five (5) Or More Years - 29.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.65% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 57.65% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
Borrower 2 Credit Report is Missing. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6423940 | ||
| 4000099087 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2025-12-01 01:21 | 2025-12-03 15:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/03/2025 Ready for Review-Document Uploaded. FLOOD CERT ATTACHED - Buyer-12/03/2025 Open-Missing Flood Certificate. - Due Diligence Vendor-12/01/2025 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/03/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 29.00 Years
Borrower At Current Residence For Five (5) Or More Years - 29.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.65% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 57.65% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
Missing Flood Certificate | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6423915 | |||
| 4000099087 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-12-01 01:21 | 2025-12-03 15:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. ATTACHED - Buyer-12/03/2025 Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-12/01/2025 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-12/03/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 29.00 Years
Borrower At Current Residence For Five (5) Or More Years - 29.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.65% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 57.65% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |
Missing Hazard Insurance Policy | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6423916 | |||
| 4000102252 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102489 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102025 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102034 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101326 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101808 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102704 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-12-01 05:24 | 2025-12-07 09:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 reflects audited ratios as 39.83%
provided. - Due Diligence
Vendor-12/07/2025 Ready for Review-As I mentioned yesterday, we have already updated both the 1008 and 1003, and we corrected the income to xxx as you noted. However, the key change is that the car lease was omitted from the liabilities because it has less than 10 months remaining. With this adjustment, the DTI does not exceed 55%. Could you please review it again? Thank you. - Due Diligence Vendor-12/05/2025 Counter-Provided updated 1008 reflecting the new ratios Housing 39.83%/DTI 39.83% with audited Income of xxx - Due Diligence Vendor-12/04/2025 Ready for Review-Please see attached file. Since the car lease has less than 10 months remaining, omitting it would result in a DTI of 33%. Please kindly review and clear the condition. Thank you very much. - Due Diligence Vendor-12/04/2025 Open-Audited DTI of 56.19% exceeds Guideline DTI of 55% Calculated DTI of 56.19% exceeds Guideline DTI of 55% , DTI Increase Due to Income. lender used xxx, per the WVOE income is xxx - Due Diligence Vendor-12/01/2025 |
Resolved-Updated 1008 reflects audited ratios as 39.83%
provided. - Due Diligence
Vendor-12/07/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 13.89 Are Greater Than The Guideline
Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6424828 | ||||
| 4000102646 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101534 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102035 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102486 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000099314 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000100157 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000100975 | D | A | D | A | A | A | A | A | Closed | FCRE1366 | 2025-12-01 20:02 | 2025-12-10 11:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 Award Letter Missing | Resolved-Borrower 2 Award Letter Provided or Not Applicable
(Number of Borrowers equals 2) - Due Diligence Vendor-12/10/2025 Ready for Review-Retirement docs - Due Diligence Vendor-12/09/2025 Open-Borrower 2 Award Letter Missing Borrower 2 was qualified with retirement income which was not documented in the loan file. - Due Diligence Vendor-12/02/2025 |
Resolved-Borrower 2 Award Letter Provided or Not Applicable
(Number of Borrowers equals 2) - Due Diligence Vendor-12/10/2025 |
Borrower 2 Award Letter Missing | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6438460 | ||||
| 4000100975 | D | A | D | A | A | A | A | A | Closed | FCRE1295 | 2025-12-02 11:55 | 2025-12-10 11:48 | Resolved | 1 - Information | C | A | Credit | Income | Income 4 Months Income Verified is Missing | Resolved-Income 4 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/10/2025 Ready for Review-Retirement docs - Due Diligence Vendor-12/09/2025 Open-Income 4 Months Income Verified is Missing Borrower 2 was qualified with retirement income which was not documented in the loan file. - Due Diligence Vendor-12/02/2025 |
Resolved-Income 4 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/10/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6448989 | |||||
| 4000100179 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000100000 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102445 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000101812 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102471 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102450 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000101314 | D | A | D | A | A | A | A | A | Closed | FCRE3978 | 2025-12-01 15:07 | 2025-12-05 09:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Brokers CBR provided.
- Due Diligence Vendor-12/05/2025 Ready for Review-The inquiry was from when the broker pulled credit. Please the attached broker's report. - Due Diligence Vendor-12/04/2025 Open-Credit Report Inquiries given. But not Provided related Lox Pages in the package. - Due Diligence Vendor-12/01/2025 |
Resolved-Brokers CBR provided.
- Due Diligence Vendor-12/05/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 79.94 Are Greater Than The Guideline
Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6434245 | ||||
| 4000101314 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-12-01 14:46 | 2025-12-05 09:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-12/05/2025 Ready for Review-Please see attached. - Due Diligence Vendor-12/03/2025 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/01/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-12/05/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 79.94 Are Greater Than The Guideline
Minimum Of 9 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.41% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6433798 | ||||
| 4000100361 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-12-04 17:07 | 2025-12-10 09:43 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-2nd Full appraisal provided. - Due Diligence Vendor-12/10/2025 Ready for Review-Both appraisal reports attached are full independent appraisals completed by two different appraiser companies for the same subject property (xxx). Per xxx appraisal policy — “A field review or 2nd appraisal report satisfies the CU > 2.5 requirement” — the second appraisal meets the investor requirement in lieu of a CDA. Could you please review and advise if you have concerns on the provided documents? - Due Diligence Vendor-12/10/2025 Open-The Collateral Underwriter Score exceeds 2.5. - Due Diligence Vendor-12/04/2025 |
Resolved-2nd Full appraisal provided. - Due Diligence Vendor-12/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 110.84 Are Greater Than The Guideline
Minimum Of 12 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.5% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6493760 | ||||
| 4000102899 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2025-12-01 14:52 | 2025-12-09 11:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-12/09/2025 Ready for Review-Please see attached seller cd for review. - Due Diligence Vendor-12/08/2025 Open-Asset 2 Missing Final HUD 1 or Seller CD for REO pending sale was not provided. - Due Diligence Vendor-12/02/2025 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-12/09/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 62.17% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6433922 | ||||
| 4000101466 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102449 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-12-02 01:41 | 2025-12-04 10:13 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-complete TRID disclosure history and all TRID
disclosures (LEs & CDs) together with all associated Changed Circumstance
Detail form(s), received, data entered, no additional compliance findings. -
Due Diligence Vendor-12/04/2025 Ready for Review-Please see the attached Locked-LE & CD-Initial. Thank you. - Due Diligence Vendor-12/03/2025 Open-Initial Closing disclosure dated xxx is missing in the package, verified from the loan detail report page 580. - Due Diligence Vendor-12/02/2025 |
Resolved-complete TRID disclosure history and all TRID
disclosures (LEs & CDs) together with all associated Changed Circumstance
Detail form(s), received, data entered, no additional compliance findings. -
Due Diligence Vendor-12/04/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.22 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.43% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.28% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6440778 | ||||
| 4000101048 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101065 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000100175 | C | A | A | A | A | A | C | A | Closed | FVAL9739 | 2025-12-03 19:20 | 2025-12-09 09:21 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Appraiser states: The subjects ADU has been
reclassified as a Guest Unit due to the fact that the unit does not have a
kitchen, the opinion of value of xxx falls outside of the unadjusted sale
prices of the comparables due to the subjects beneficial location & view
and ADU - per Guidelines: if the above ADU requirements are not met,
appraisal must give the accessory unit zero value. Lender provided an Updated
1008 using the value of xxx vs Appraised value of xxx which is the removal of
the ADU value. - Due Diligence
Vendor-12/09/2025 Ready for Review-Document Uploaded. uw added notes on the 1008 regarding the value. the value used is xxx due to removing the value of the adu. the appraiser refused to remove. ltv based on adjusted value. no excpetion should be needed. - Buyer-12/08/2025 Open-Exception request due to the home being appriased with an ADU without comps. LTV is low and good fico of over xxx. Value given to ADU is xxx. Appraiser went out 96 miles and could find no sales with ADU's. was not signed - Due Diligence Vendor-12/04/2025 |
Resolved-Appraiser states: The subjects ADU has been
reclassified as a Guest Unit due to the fact that the unit does not have a
kitchen, the opinion of value of xxx falls outside of the unadjusted sale
prices of the comparables due to the subjects beneficial location & view
and ADU - per Guidelines: if the above ADU requirements are not met,
appraisal must give the accessory unit zero value. Lender provided an Updated
1008 using the value of xxx vs Appraised value of xxx which is the removal of
the ADU value. - Due Diligence
Vendor-12/09/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.88% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.81 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6475832 | ||||
| 4000103361 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101853 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000100760 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101512 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000098237 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000104021 | D | A | D | A | A | A | C | A | Closed | FPRO9939 | 2025-12-03 07:58 | 2026-01-06 08:24 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-01/06/2026
Ready for Review-cda - Due Diligence Vendor-01/05/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.2) Required Desk review - Due Diligence Vendor-12/03/2025 |
Resolved-Desk review provided - Due Diligence
Vendor-01/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 20.22 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6461076 | ||||
| 4000104021 | D | A | D | A | A | A | C | A | Closed | FCRE1201 | 2025-12-03 07:16 | 2026-01-06 08:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/06/2026 Ready for Review-entity background report - Due Diligence Vendor-01/05/2026 Counter-Missing the full Fraud report - Due Diligence Vendor-01/04/2026 Ready for Review-background fraud report - Due Diligence Vendor-01/02/2026 Open-Missing Third Party Fraud Report in file - Due Diligence Vendor-12/03/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 20.22 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6460755 | ||||
| 4000104021 | D | A | D | A | A | A | C | A | Closed | FCRE1815 | 2025-12-03 06:20 | 2026-01-04 08:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence
Vendor-01/04/2026 Ready for Review-Approved entity documentation - Due Diligence Vendor-01/02/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing in file - Due Diligence Vendor-12/03/2025 |
Resolved-Entity documents provided - Due Diligence
Vendor-01/04/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 20.22 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6460363 | ||||
| 4000104021 | D | A | D | A | A | A | C | A | Closed | FCRE1182 | 2025-12-03 07:58 | 2025-12-24 13:47 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/24/2025 Ready for Review-underwriting approval - Due Diligence Vendor-12/24/2025 Open-1008/Underwriting Summary Not Provided in file - Due Diligence Vendor-12/03/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/24/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 20.22 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6461074 | ||||
| 4000102485 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2025-12-12 14:24 | 2025-12-18 07:55 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with supporting comp factors: FTHB
going with interest only program - Due Diligence Vendor-12/18/2025 Ready for Review-Please see the attached exception approval. Thank you! - Due Diligence Vendor-12/18/2025 Open-Borrower has not held ownership in a property since xxx and is a FTHB. Guidelines disallow an interest only feature for FTHBs. - Due Diligence Vendor-12/12/2025 |
Fico xxx DTI 21.56% Housing History 0x30x12 for housing & liabilities - 12/18/2025 |
Waived-Exception granted with supporting comp factors: FTHB
going with interest only program - Due Diligence Vendor-12/18/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
25.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6607048 | |||
| 4000102281 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2025-12-03 06:26 | 2025-12-13 08:32 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-12/13/2025 Ready for Review-RCE - Due Diligence Vendor-12/12/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-12/03/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-12/13/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6460404 | ||||
| 4000096317 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000101810 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-12-03 05:15 | 2025-12-10 07:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Passport provided. - Due Diligence Vendor-12/10/2025
Ready for Review-Please see the attached US passport. Thank you! - Due Diligence Vendor-12/09/2025 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-12/03/2025 |
Resolved-Passport provided. - Due Diligence Vendor-12/10/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6460064 | ||||
| 4000103200 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000103435 | D | A | D | A | A | A | A | A | Closed | FCRE6914 | 2025-12-04 01:25 | 2025-12-10 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-DL provided. -
Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. ATTACHED - Buyer-12/09/2025 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Supporting documentation in the form of Patriot Act, State or government issued / unexpired ID. Borrower is a US Citizen - Due Diligence Vendor-12/04/2025 |
Resolved-DL provided. -
Due Diligence Vendor-12/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 207.99 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.33 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6478776 | ||||
| 4000103435 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-12-04 01:25 | 2025-12-10 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-DL provided. -
Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. ATTACHED - Buyer-12/09/2025 Open-Borrower 1 Citizenship Documentation Is Missing Supporting documentation in the form of Patriot Act, State or government issued / unexpired ID. Borrower is a US Citizen - Due Diligence Vendor-12/04/2025 |
Resolved-DL provided. -
Due Diligence Vendor-12/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 207.99 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.33 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6478775 | ||||
| 4000102710 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000101026 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000103029 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-12-04 02:24 | 2025-12-17 13:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-newly closed loan, First Payment letter provided
(escrowed) - Due Diligence
Vendor-12/17/2025 Ready for Review-Email from Branch on MTG statement - Due Diligence Vendor-12/16/2025 Open-Provide supporting documentation for final PITIA on new purchase located at xxx (Borrower was purchasing this subject the same time are loan was being processed with the same lender) - Due Diligence Vendor-12/04/2025 |
Resolved-xxx closed loan, First Payment letter provided
(escrowed) - Due Diligence
Vendor-12/17/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6478965 | |||||
| 4000103029 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-12-04 02:26 | 2025-12-17 13:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA documentation provided. - Due Diligence Vendor-12/17/2025 Ready for Review-Payment letter and HOA dues - Due Diligence Vendor-12/16/2025 Open-Verification of HOA for xxx is missing from file (This subject is in the same community as are subject but HOA still needs to be verified / supported in file) - Due Diligence Vendor-12/04/2025 |
Resolved-HOA documentation provided. - Due Diligence Vendor-12/17/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6478968 | |||||
| 4000100998 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2025-12-05 09:07 | 2025-12-08 11:57 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-12/08/2025 Ready for Review-Please see attached for RCE. It’s sufficient to cover replacement cost estimate. - Due Diligence Vendor-12/05/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-12/05/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due
Diligence Vendor-12/08/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6501295 | ||||
| 4000102211 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000100746 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000103112 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000103106 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000101879 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000098517 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000098922 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000102927 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101050 | D | A | D | A | A | A | A | A | Closed | FCRE1468 | 2025-12-05 03:28 | 2025-12-11 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-12/11/2025 Ready for Review-Please see the attached Gift Letter xxx. Thank you! - Due Diligence Vendor-12/10/2025 Open-Asset 2 Missing CD in file page 354 shows a deposit of xxx no gift letter found in file to support amount. Updated gift amount to xxx. - Due Diligence Vendor-12/06/2025 |
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence
Vendor-12/11/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 12.93 Are Greater Than The Guideline
Minimum Of 2 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6498022 | ||||
| 4000102242 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2025-12-05 03:03 | 2025-12-11 13:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/11/2025 Ready for Review-Here you are. - Due Diligence Vendor-12/10/2025 Open-Missing Flood Certificate Required Flood Certificate. - Due Diligence Vendor-12/05/2025 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/11/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 46.74% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6497924 | ||||
| 4000101471 | A | A | A | A | A | A | A | A | Closed | FCRE1163 | 2025-12-04 09:35 | 2025-12-08 13:42 | Resolved | 1 - Information | A | A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Validation Resolved - Due Diligence Vendor-12/08/2025
Ready for Review-Please be noted that we did have Flood cert before Note date. Only APN/Tax ID was updated. - Due Diligence Vendor-12/08/2025 Open-Flood Certification Date is greater than xxx Flood certification is dated xxx; close xxx - Due Diligence Vendor-12/04/2025 |
Resolved-Validation Resolved - Due Diligence
Vendor-12/08/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 25.95% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6482186 | ||||
| 4000102706 | C | A | B | A | C | A | A | A | Closed | FCOM7353 | 2025-12-05 06:54 | 2025-12-15 08:58 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender screenshot supporting application date is xxx, has been provided
- Due Diligence Vendor-12/15/2025 Ready for Review-Here you are. - Due Diligence Vendor-12/15/2025 Counter-**Lender to provide additional evidence supporting the true and correct lender application date such as a system screen shot and also a copy of the lender's final compliance test results from closing/post-closing for review. - Due Diligence Vendor-12/11/2025 Ready for Review-The application date is xxx. Please help to review and clear the condition. Thank you. - Due Diligence Vendor-12/11/2025 Counter-Documentation provided does not confirm the date lender received the 6 pieces of information required to trigger the application date - Due Diligence Vendor-12/10/2025 Ready for Review-Here you are. - Due Diligence Vendor-12/10/2025 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-12/05/2025 |
Resolved-Lender screenshot supporting application date is xxx, has been provided
- Due Diligence Vendor-12/15/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 32.83% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.59 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.58 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6499560 | ||||
| 4000102706 | C | A | B | A | C | A | A | A | Closed | FCRE1182 | 2025-12-05 01:26 | 2025-12-11 13:15 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/11/2025 Ready for Review-Here you are. - Due Diligence Vendor-12/10/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/05/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 32.83% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.16% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.59 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.58 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6497301 | ||||
| 4000101771 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101269 | D | A | D | A | A | A | A | A | Closed | FCRE1360 | 2025-12-06 09:38 | 2025-12-19 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 Paystubs Missing | Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-12/12/2025 Ready for Review-xxx Paystub - Due Diligence Vendor-12/10/2025 Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-12/06/2025 |
Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-12/12/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6517344 | |||||
| 4000101269 | D | A | D | A | A | A | A | A | Closed | FCRE1358 | 2025-12-06 09:38 | 2025-12-19 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-12/12/2025 Ready for Review-xxx 2023 and 2024 W-2 - Due Diligence Vendor-12/10/2025 Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-12/06/2025 |
Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-12/12/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6517345 | |||||
| 4000101269 | D | A | D | A | A | A | A | A | Closed | FCRE1364 | 2025-12-08 15:10 | 2025-12-19 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable
(Number of Borrowers equals 2) - Due Diligence Vendor-12/19/2025 Ready for Review-xxx 4506 signed - Due Diligence Vendor-12/17/2025 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-12/08/2025 |
Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable
(Number of Borrowers equals 2) - Due Diligence Vendor-12/19/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6535004 | |||||
| 4000101269 | D | A | D | A | A | A | A | A | Closed | FCRE1363 | 2025-12-08 15:10 | 2025-12-19 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 WVOE Missing | Resolved-Borrower 2 WVOE Provided or Not Applicable (Number of
Borrowers equals 2) - Due Diligence Vendor-12/12/2025 Ready for Review-xxx VVOE - Due Diligence Vendor-12/10/2025 Open-Borrower 2 WVOE Missing from Informative Research stated in final AUS. - Due Diligence Vendor-12/08/2025 |
Resolved-Borrower 2 WVOE Provided or Not Applicable (Number of
Borrowers equals 2) - Due Diligence Vendor-12/12/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6535005 | |||||
| 4000102033 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-12-06 23:34 | 2025-12-11 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Rent schedule provided. - Due Diligence Vendor-12/11/2025 Ready for Review-Attached is the rent schedule. It was a new purchase. - Due Diligence Vendor-12/09/2025 Counter-Document Uploaded. Final 1003 states rental income is being sued iao xxx- Condition is requesting Lease agreement to support the rental income. - Due Diligence Vendor-12/09/2025 Ready for Review-xxx closed concurrently. No payment is due at the moment. Borrower’s 1st payment is xxx. - Due Diligence Vendor-12/08/2025 Open-Please provide the Lease Agreement for the REO property located at xxx, reflecting the monthly Rent xxx - Due Diligence Vendor-12/07/2025 |
Resolved-Rent schedule provided.
- Due Diligence Vendor-12/11/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.65% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.31% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.89 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6519267 | ||||
| 4000102033 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-12-06 23:32 | 2025-12-09 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note & Final HUD (escrowed) provided. - Due Diligence Vendor-12/09/2025 Ready for Review-xxx closed concurrently. No payment is due at the moment. Borrower’s 1st payment is xxx. - Due Diligence Vendor-12/08/2025 Open-Please provide the mortgage statement for the REO property located at xxx, reflecting the monthly payment amount of xxx. - Due Diligence Vendor-12/07/2025 |
Resolved-Note & Final HUD (escrowed) provided. - Due Diligence Vendor-12/09/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.65% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.31% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.89 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6519263 | ||||
| 4000102310 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000103104 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101044 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101487 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-12-05 13:24 | 2025-12-12 12:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not
Required - Due Diligence Vendor-12/12/2025 Ready for Review-The borrower is a US citizen. Please see the attached driver's license. - Due Diligence Vendor-12/12/2025 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-12/05/2025 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not
Required - Due Diligence Vendor-12/12/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 40.78% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6507437 | ||||
| 4000101503 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102931 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102488 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-12-06 15:19 | 2025-12-11 13:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-12/11/2025 Ready for Review-Here is the EOI and RCE - Due Diligence Vendor-12/10/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-12/06/2025 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-12/11/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.13% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6518421 | ||||
| 4000101042 | C | A | C | A | A | A | A | A | Closed | FCRE1178 | 2025-12-05 20:26 | 2025-12-11 12:26 | Resolved | 1 - Information | C | A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided disbursement dated xxx - Due Diligence
Vendor-12/11/2025 Ready for Review-The EOI’s effective date is xxx, while the funding date is xxx. Therefore, there is no issue. Please waive the related condition. Please see POST CD - Due Diligence Vendor-12/10/2025 Open-Other Property Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-12/06/2025 |
Resolved-PCCD provided disbursement dated xxx - Due Diligence Vendor-12/11/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 20.69% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.45 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.72% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.48 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6515427 | ||||
| 4000101509 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000102091 | D | A | D | A | A | A | D | A | Closed | FPRO1244 | 2025-12-10 11:35 | 2025-12-31 14:54 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided.
- Due Diligence Vendor-12/31/2025 Ready for Review-CDA - Due Diligence Vendor-12/31/2025 Open-Provide either a xxx – Collateral Desktop Analysis "CDA" or a xxx Valuation – Appraisal Risk Review "ARR. - Due Diligence Vendor-12/10/2025 |
Resolved-Desk review provided.
- Due Diligence Vendor-12/31/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6568521 | |||||
| 4000102091 | D | A | D | A | A | A | D | A | Closed | FCRE1330 | 2025-12-06 05:01 | 2025-12-12 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence
Vendor-12/12/2025 Ready for Review-Paystubs - Due Diligence Vendor-12/10/2025 Open-Borrower 1 Paystubs Missing Loan file is missing paystubs in file. Only provided 2 year W2 in file paystubs missing. So income copy with lender worksheet and prepared worksheet. Require 1 month paystubs to verify borrwer current year income. - Due Diligence Vendor-12/06/2025 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence
Vendor-12/12/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6516678 | |||||
| 4000100747 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000098860 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000101596 | D | A | D | A | D | A | A | A | Closed | FCRE1191 | 2025-12-07 10:37 | 2025-12-17 11:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Resolved-Audited Reserves of xxx are greater than or equal to
AUS Required Reserves of xxx - Due Diligence Vendor-12/17/2025 Ready for Review-Updated xxx AUS - Due Diligence Vendor-12/16/2025 Open-Audited Reserves of xxx are less than AUS Required Reserves of xxx - Due Diligence Vendor-12/07/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to
AUS Required Reserves of xxx - Due Diligence Vendor-12/17/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6520123 | |||||
| 4000101596 | D | A | D | A | D | A | A | A | Closed | FCRE1467 | 2025-12-07 10:28 | 2025-12-17 11:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-12/17/2025 Ready for Review-Assets - Due Diligence Vendor-12/16/2025 Open-Added condition verbiage. - Due Diligence Vendor-12/10/2025 Open-Provide asset documentation for xxx checking and savings. - Due Diligence Vendor-12/10/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-12/17/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6520109 | |||||
| 4000101596 | D | A | D | A | D | A | A | A | Closed | FCRE1130 | 2025-12-08 09:21 | 2025-12-12 13:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Mortgage Insurance Cert Missing | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/12/2025 Ready for Review-Mortgage Insurance - Due Diligence Vendor-12/11/2025 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Loan files is misssing Mortgage Insurance Cert in files. Require Mortgage Insurance Cert is Verify Premium with document. - Due Diligence Vendor-12/08/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/12/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6526146 | |||||
| 4000101596 | D | A | D | A | D | A | A | A | Closed | FCOM4189 | 2025-12-09 15:05 | 2025-12-12 13:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Escrow for MI but no MI cert in file | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/12/2025 Ready for Review-MI - Due Diligence Vendor-12/11/2025 Open-***** Lender to provide - Due Diligence Vendor-12/09/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/12/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6555027 | |||||
| 4000070084 | D | A | D | A | A | A | A | A | Closed | FCRE1500 | 2025-12-09 21:25 | 2025-12-22 07:52 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Unexpired Passport provided. - Due Diligence Vendor-12/22/2025 Ready for Review-Unexpired Visa - Due Diligence Vendor-12/19/2025 Counter-Document Uploaded. xxx, Passport (both with photo) and SSA-89 Verification Summary provided however guidelines require a Copy of the borrower’s valid and unexpired visa (including photograph) OR an I-797 form with valid extension dates and I-94. - Due Diligence Vendor-12/12/2025 Ready for Review-Borrower ID supporting documents. - Due Diligence Vendor-12/11/2025 Open-Non-Permanent Resident Alien documentation not provided. - Due Diligence Vendor-12/10/2025 |
Resolved-Unexpired Passport provided. - Due Diligence Vendor-12/22/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 51.2% Is Below The Guideline Maximum Of 65% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6559400 | ||||
| 4000070084 | D | A | D | A | A | A | A | A | Closed | FCRE1162 | 2025-12-07 03:01 | 2025-12-12 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/12/2025 Ready for Review-Flood Cert - Due Diligence Vendor-12/11/2025 Open-Flood Certificate is Partially Provided Provide Flood Certificate for Subject Property with All Information. - Due Diligence Vendor-12/07/2025 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/12/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 51.2% Is Below The Guideline Maximum Of 65% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6519518 | ||||
| 4000102971 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000103786 | B | B | B | B | A | A | A | A | Closed | FCRE3874 | 2025-12-08 01:09 | 2025-12-09 11:56 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender approved exception in file for subject being rural with over 20 acres - Due Diligence Vendor-12/08/2025 | Waived-Primary Value Valuation Neighborhood Location Not Allowed
for Program Lender approved exception in file for subject being rural with
over 20 acres - Due Diligence Vendor-12/08/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 13.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.71 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.98 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
1. RESIDUAL INCOME EXCEEDS xxx 2. SELF-EMPLOYED IN THE SAME BUSINESS OVER 5+ YEARS LTV 5% OR MORE BELOW MAX ALLOWED |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6522100 | ||||
| 4000103786 | B | B | B | B | A | A | A | A | Closed | FCRE1342 | 2025-12-09 11:46 | 2025-12-09 11:46 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Waived-Borrower 1 Business Bank Statements Missing Per P&L guides 2 months business bank statements are required to support P&L income with a CPA letter. Lender obtained the CPA letter and made an exception to not obtain the business bank statement under doc pg #324 - Due Diligence Vendor-12/09/2025 | Waived-Borrower 1 Business Bank Statements Missing Per P&L
guides 2 months business bank statements are required to support P&L
income with a CPA letter. Lender
obtained the CPA letter and made an exception to not obtain the business bank
statement under doc pg #324 - Due Diligence Vendor-12/09/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 13.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.71 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.98 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
1. RESIDUAL INCOME EXCEEDS xxx 2. SELF-EMPLOYED IN THE SAME BUSINESS OVER 5+ YEARS LTV 5% OR MORE BELOW MAX ALLOWED |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 6550183 | ||||
| 4000102786 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102204 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-12-07 01:16 | 2026-01-06 14:00 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-LOE from HOI Agent stating: According to our records,
we insured you under the above policy from: xxx through present. There are no
claims for this policy during this time. - Due Diligence Vendor-01/06/2026
Ready for Review-Please see the attached LOE from the insurance agent confirming that there are no claims for this policy during xxx through present. Thank you! - Due Diligence Vendor-01/06/2026 Counter-Alternative documentation could include PCCD and/or an LOE from the Insurance agent confirming subject property has no loss/claims - Due Diligence Vendor-12/24/2025 Ready for Review-We would like to confirm whether temporary lender-placed hazard insurance would be acceptable to cover this gap, or if there is an alternative method the investor would prefer to resolve this condition. Please advise. Thank you. - Due Diligence Vendor-12/24/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-12/07/2025 |
Resolved-LOE from HOI Agent stating: According to our records,
we insured you under the above policy from: xxx through present. There are no
claims for this policy during this time. - Due Diligence Vendor-01/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6519378 | ||||
| 4000103314 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101015 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2025-12-08 06:30 | 2026-01-05 12:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-01/05/2026 Ready for Review-attached - Due Diligence Vendor-01/05/2026 Open-HOA Questionnaire Document status is Missing. missing Questionnaire - Due Diligence Vendor-12/10/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-01/05/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 50.78% Is Below The Guideline Maximum Of 70% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6523994 | ||||
| 4000103378 | C | A | C | A | A | A | A | A | Closed | FCRE1182 | 2025-12-09 12:31 | 2025-12-13 06:53 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/13/2025 Ready for Review-Please see attached document for review. - Due Diligence Vendor-12/12/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/09/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/13/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 39.03 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6551270 | ||||
| 4000103378 | C | A | C | A | A | A | A | A | Closed | FCRE1253 | 2025-12-09 10:02 | 2025-12-13 06:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/13/2025 Ready for Review-Please see attached tax certification - Due Diligence Vendor-12/12/2025 Open-Missing Property Tax Cert - Due Diligence Vendor-12/09/2025 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/13/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 39.03 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6546396 | ||||
| 4000095751 | C | A | A | A | C | A | A | A | Closed | FCOM1207 | 2025-12-09 23:45 | 2025-12-18 17:12 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Note is Not Executed | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/18/2025 Ready for Review-executed Note - Due Diligence Vendor-12/18/2025 Open-The Note is Not Executed Lender to provide Note page 3 of 3 executed and dated by all applicable parties - Due Diligence Vendor-12/10/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/18/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 22.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 400.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 6559995 | ||||
| 4000102491 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-12-08 23:05 | 2025-12-12 13:01 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-12/12/2025 Ready for Review-Please be noted that disbursement date is xxx and this condition should be waived. please see the certified fss and disbursement ledger. - Due Diligence Vendor-12/12/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-12/09/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-12/12/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.18% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6541312 | ||||
| 4000094797 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000100849 | D | B | D | B | A | A | A | A | Buyer | FCRE1194 | 2025-12-18 12:15 | 2025-12-18 12:30 | Ready for Review | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Ready for Review-Exception Approved for waiving 5% LTV
Reduction. - Due Diligence
Vendor-12/18/2025 Waived-Document Uploaded. Client exception granted with compensating factors to allow 75% LTV with max LTV of 70%. - Due Diligence Vendor-12/18/2025 Open-Audited LTV of 75% exceeds Guideline LTV of 70% - Due Diligence Vendor-12/18/2025 |
Waived-Document Uploaded. Client exception granted with
compensating factors to allow 75% LTV with max LTV of 70%. - Due Diligence
Vendor-12/18/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 15.92 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
FICO, DSCR & Reserves all exceed minimum, borrowers are both experienced homeowners. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Investor Post-Close | No | 6686882 | |||
| 4000100849 | D | B | D | B | A | A | A | A | Closed | FCRE1815 | 2025-12-09 03:08 | 2025-12-12 14:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided. - Due Diligence Vendor-12/12/2025 Ready for Review-xxx, Operating Agreement, Articles of Incorporation and Good Standing. - Due Diligence Vendor-12/11/2025 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Certificate of good standing, and/or evidence of EIN missing in file. - Due Diligence Vendor-12/09/2025 |
Resolved-Entity documents provided. - Due Diligence Vendor-12/12/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 15.92 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6542423 | ||||
| 4000102483 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102465 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-12-09 04:24 | 2025-12-12 11:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report and HOA document provided. xxx is free
and clear and has no HOI - Due
Diligence Vendor-12/12/2025 Ready for Review-Please see attached. - Due Diligence Vendor-12/11/2025 Open-Second Home property address 'xxx ' proof of doc's are missing in file ( Tax/Insurance/HOA ) - Due Diligence Vendor-12/09/2025 |
Resolved-Property report and HOA document provided. xxx is free
and clear and has no HOI - Due
Diligence Vendor-12/12/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.01 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6542834 | ||||
| 4000101908 | C | B | C | B | A | A | A | A | Closed | FCRE1447 | 2025-12-09 03:59 | 2025-12-12 13:13 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Expired | Resolved-Asset 5 Not Expired Or Not Applicable - Due Diligence
Vendor-12/12/2025 Ready for Review-Updated Life insurance policy B1 xxx - Due Diligence Vendor-12/11/2025 Open-Asset 5 Expired Life Insurance policy statement xxx is expired. Asset statements must be dated no more than ninety (90) days prior to the note date of xxx. - Due Diligence Vendor-12/10/2025 |
Resolved-Asset 5 Not Expired Or Not Applicable - Due Diligence
Vendor-12/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6542682 | ||||
| 4000101908 | C | B | C | B | A | A | A | A | Closed | FCRE1448 | 2025-12-09 03:59 | 2025-12-12 13:13 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 6 Expired | Resolved-Asset 6 Not Expired Or Not Applicable - Due Diligence
Vendor-12/12/2025 Ready for Review-Updated Life Insurance Policy B2 xxx - Due Diligence Vendor-12/11/2025 Open-Asset 6 Expired Life Insurance policy statement xxx is expired. Asset statements must be dated no more than ninety (90) days prior to the note date of xxx. - Due Diligence Vendor-12/10/2025 |
Resolved-Asset 6 Not Expired Or Not Applicable - Due Diligence
Vendor-12/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6542683 | ||||
| 4000101908 | C | B | C | B | A | A | A | A | Closed | FCRE8138 | 2025-12-10 14:08 | 2025-12-10 14:20 | Waived | 2 - Non-Material | B | B | Credit | Income | DSCR is less than the guideline minimum | Waived-DSCR Guideline minimum for first time investor is 1. DSCR is .xxx. Borrower lacks recent history managing rental properties. - Due Diligence Vendor-12/10/2025 | Waived-DSCR Guideline minimum for first time investor is 1. DSCR is .xxx. Borrower lacks recent history managing
rental properties. - Due Diligence
Vendor-12/10/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years |
FICO over minimum, reserves over minimum, LTV is below Max. Have history of owning properties | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | 6572055 | ||||
| 4000104536 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-12-09 06:13 | 2025-12-16 13:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.72 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-12/16/2025 Ready for Review-Please find attached asset docs for the reserve. - Due Diligence Vendor-12/16/2025 Open-Audited Reserves of 0.22 are less than Guideline Required Reserves of 4 - Due Diligence Vendor-12/09/2025 |
Resolved-Audited Reserves of 4.72 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-12/16/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.49 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45.61% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6543639 | ||||
| 4000101283 | D | A | D | A | C | A | A | A | Closed | FCRE1182 | 2025-12-09 18:47 | 2025-12-17 17:59 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/13/2025 Ready for Review-1008 - Due Diligence Vendor-12/12/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/09/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/13/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6558435 | |||||
| 4000101283 | D | A | D | A | C | A | A | A | Closed | FCRE1316 | 2025-12-09 17:56 | 2025-12-13 07:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-12/13/2025 Ready for Review-vvoe - Due Diligence Vendor-12/12/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/09/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-12/13/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6557983 | |||||
| 4000101283 | D | A | D | A | C | A | A | A | Closed | FCRE1333 | 2025-12-09 17:56 | 2025-12-13 07:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence
Vendor-12/13/2025 Ready for Review-written voe - Due Diligence Vendor-12/12/2025 Open-Borrower 1 WVOE Missing - Due Diligence Vendor-12/09/2025 |
Resolved-Borrower 1 WVOE Resolved - Due Diligence
Vendor-12/13/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6557984 | |||||
| 4000101283 | D | A | D | A | C | A | A | A | Closed | FCRE1292 | 2025-12-09 17:56 | 2025-12-13 07:19 | Resolved | 1 - Information | C | A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/13/2025 Ready for Review-see written voe uploaded - Due Diligence Vendor-12/12/2025 Open-Income 1 Months Income Verified is Missing - Due Diligence Vendor-12/09/2025 |
Resolved-Income 1 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/13/2025 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6557985 | ||||||
| 4000101283 | D | A | D | A | C | A | A | A | Closed | FCRE1293 | 2025-12-09 17:56 | 2025-12-13 07:19 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/13/2025 Ready for Review-see written voe uploaded - Due Diligence Vendor-12/12/2025 Open-Income 2 Months Income Verified is Missing - Due Diligence Vendor-12/09/2025 |
Resolved-Income 2 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/13/2025 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6557986 | ||||||
| 4000101283 | D | A | D | A | C | A | A | A | Closed | FCRE1294 | 2025-12-09 17:56 | 2025-12-13 07:19 | Resolved | 1 - Information | C | A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/13/2025 Ready for Review-see written voe uploaded - Due Diligence Vendor-12/12/2025 Open-Income 3 Months Income Verified is Missing - Due Diligence Vendor-12/09/2025 |
Resolved-Income 3 Months Income Verified is Present Or Not
Applicable - Due Diligence Vendor-12/13/2025 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6557987 | ||||||
| 4000101283 | D | A | D | A | C | A | A | A | Closed | FCOM8891 | 2025-12-11 09:27 | 2025-12-12 12:28 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/12/2025 Ready for Review-see mi cert uploaded - Due Diligence Vendor-12/12/2025 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing - Due Diligence Vendor-12/11/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/12/2025 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6582319 | ||||||
| 4000101283 | D | A | D | A | C | A | A | A | Closed | FCRE1130 | 2025-12-09 17:40 | 2025-12-12 12:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Mortgage Insurance Cert Missing | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/12/2025 Ready for Review-mi cert - Due Diligence Vendor-12/12/2025 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing - Due Diligence Vendor-12/09/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/12/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6557829 | |||||
| 4000100492 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2025-12-09 18:22 | 2025-12-18 13:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Newly closed (2nd) lien with xxx Mortgage iao xxx with
Note, Property report, First Lien Mortgage statement (escrowed) and LOE
stating no HOA was provided. - Due
Diligence Vendor-12/18/2025 Ready for Review-PITI xxx - Due Diligence Vendor-12/17/2025 Counter-Document Uploaded. Apologies for the confusion, Missing VOM for Primary Residence (1st Lien) housing History located at xxx with xxx as its not reflected on the CBR. - Due Diligence Vendor-12/13/2025 Ready for Review-Please advise what property you are needing the VOR/VOM for. - Due Diligence Vendor-12/12/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-12/09/2025 |
Resolved-xxx closed (2nd) lien with xxx Mortgage iao xxx with
Note, Property report, First Lien Mortgage statement (escrowed) and LOE
stating no HOA was provided. - Due
Diligence Vendor-12/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6558267 | |||||
| 4000100492 | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2025-12-09 19:35 | 2025-12-18 13:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-12/18/2025 Ready for Review-CD and docs for secured loan - Due Diligence Vendor-12/17/2025 Counter-Document Uploaded. Apologies for the confusion, Missing verification of Secured Loan iao xxx reflected on the Final 1003 for additional assets used for the purchase of the subject property. - Due Diligence Vendor-12/13/2025 Ready for Review-Please advise and clarify which asset you are needing. - Due Diligence Vendor-12/12/2025 Open-Asset 4 Missing - Due Diligence Vendor-12/10/2025 |
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-12/18/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6558790 | |||||
| 4000100492 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2025-12-09 18:46 | 2025-12-13 08:01 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/13/2025 Ready for Review-1008 - Due Diligence Vendor-12/12/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/09/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/13/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6558426 | |||||
| 4000100492 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-12-10 11:49 | 2025-12-13 08:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided - Due Diligence Vendor-12/13/2025 Ready for Review-lease agreement xxx - Due Diligence Vendor-12/12/2025 Open-Missing lease agreement for the Subject Property xxx Showing rental income of xxx in final 1003 which the lender considered for rental income calculation. - Due Diligence Vendor-12/10/2025 |
Resolved-Lease agreement provided - Due Diligence Vendor-12/13/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6568841 | |||||
| 4000100492 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-12-10 11:24 | 2025-12-13 07:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-12/13/2025 Ready for Review-ICWS - Due Diligence Vendor-12/12/2025 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/10/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-12/13/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6567366 | |||||
| 4000100492 | D | A | D | A | A | A | A | A | Closed | FCRE6914 | 2025-12-09 16:35 | 2025-12-13 07:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-US Patriot Act Form provided - Due Diligence
Vendor-12/13/2025 Ready for Review-xxx Patriot act and USA Patriot Act for B1 and B2 - Due Diligence Vendor-12/12/2025 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-12/09/2025 |
Resolved-US Patriot Act Form provided - Due Diligence
Vendor-12/13/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6556851 | |||||
| 4000100492 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-12-09 16:35 | 2025-12-13 07:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-US Patriot Act Form provided - Due Diligence
Vendor-12/13/2025 Ready for Review-xxx patriot act - Due Diligence Vendor-12/12/2025 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-12/09/2025 |
Resolved-US Patriot Act Form provided - Due Diligence
Vendor-12/13/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6556850 | |||||
| 4000100492 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-09 17:31 | 2025-12-13 07:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-12/13/2025 Ready for Review-fraud report - Due Diligence Vendor-12/12/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/09/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-12/13/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6557698 | |||||
| 4000100857 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000101493 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000097624 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000099721 | D | A | D | A | A | A | A | A | Closed | FCRE2371 | 2025-12-12 06:35 | 2025-12-19 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-xxx sales transaction closed on xxx - HUD
provided. - Due Diligence
Vendor-12/19/2025 Ready for Review-per UW, there is a CD in the file for the sale of xxx.; sold on xxx and paid off xxx . Although, the CD in the file, is not fully executed, there is a mtg reporting on the credit report for xxx showing last reported xxx and reported for 52 months. Didn’t think it was necessary to request the executed copy of the CD, since credit report showed the mortgage being paid. - Due Diligence Vendor-12/18/2025 Open-Lender to provide supporting documentation that xxx sales transaction closed. Fraud reports pending sale. - Due Diligence Vendor-12/12/2025 |
Resolved-xxx sales transaction closed on xxx - HUD
provided. - Due Diligence
Vendor-12/19/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6598212 | |||||
| 4000099721 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2025-12-12 06:19 | 2025-12-19 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-12/19/2025 Ready for Review-VOR - Due Diligence Vendor-12/18/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per xxx under doc pg #647 / #14 reflects that The amount of the rental housing expense must be verified and documented. Acceptable documentation includes, but is not limited to one of the following: a direct verification from a management company or individual landlord, six months cancelled checks/equivalent payment source, six months bank statements reflecting a clear and consistent payment to an organization or individual, or a copy of a current fully executed lease agreement and two months cancelled checks/equivalent payment source. This is required for borrowers current primary xxx in the amount of xxx a month - Due Diligence Vendor-12/12/2025 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is not Missing - Due Diligence Vendor-12/19/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6598081 | |||||
| 4000101431 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000100896 | D | A | A | A | D | A | A | A | Closed | FCOM8844 | 2025-12-10 05:01 | 2025-12-30 16:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-12/30/2025 Resolved-Cash out letter provided. - Due Diligence Vendor-12/30/2025 Ready for Review-LOE - Due Diligence Vendor-12/29/2025 Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing - Due Diligence Vendor-12/10/2025 |
Resolved-Business Purpose Disclosure or letter from borrower is
Present. - Due Diligence Vendor-12/30/2025 Resolved-Cash out letter provided. - Due Diligence Vendor-12/30/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6561502 | |||||
| 4000103968 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000097398 | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2025-12-11 10:33 | 2025-12-30 16:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-12/11/2025 Open-Personal Guaranty is missing. - Due Diligence Vendor-12/11/2025 |
Resolved-Personal Guaranty is Present. - Due Diligence
Vendor-12/11/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 21.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 237.5 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6583992 | |||||
| 4000102048 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102719 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102289 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102652 | C | A | A | A | C | A | A | A | Closed | FCOM8891 | 2025-12-12 08:20 | 2025-12-16 13:55 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-PCCD_ received, data entered, no additional compliance
findings. - Due Diligence Vendor-12/16/2025 Ready for Review-Please see attached file. Thank you very much. - Due Diligence Vendor-12/16/2025 Open-******* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-12/12/2025 |
Resolved-PCCD_ received, data entered, no additional compliance
findings. - Due Diligence Vendor-12/16/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five
Percent (5%) Or More - Calculated DTI Of 28.85% Is Less Than The Guideline
Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.90 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.51% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6599186 | ||||
| 4000104404 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000100823 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101489 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000101840 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101511 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101681 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000101817 | C | A | C | A | A | A | C | A | Closed | FCRE7000 | 2025-12-11 03:32 | 2025-12-23 12:50 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-12/23/2025 Ready for Review-The attached builder EMD receipt reflects that the EMD in the amount of xxx was paid and applied toward the purchase, consistent with the amount shown on the Final CD. Please review and advise if you have any concerns. Thank you! - Due Diligence Vendor-12/22/2025 Counter-Document Uploaded. Apologies for the confusion, Missing Proof of EMD iao xxx as listed on Final CD. - Due Diligence Vendor-12/18/2025 Ready for Review-Based on the Final Closing Disclosure, the borrower’s Cash to Close is xxx and the required reserves total xxx, resulting in total funds required of xxx. The borrower has verified liquid assets of xxx in the xxx Bank account (xxx), which is sufficient to cover both the cash to close and required reserves. The final fund receipt for the full cash to close amount of xxx is attached for your reference. Please advise if there are any additional items included in your calculation that resulted in the higher required amount noted, and we will be happy to review and address accordingly. - Due Diligence Vendor-12/17/2025 Open-Provide documentation to support the deposit made in the amount of xxx. - Due Diligence Vendor-12/15/2025 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-12/11/2025 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-12/23/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.31 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6579500 | ||||
| 4000101817 | C | A | C | A | A | A | C | A | Closed | FPRO1136 | 2025-12-11 04:10 | 2025-12-15 15:06 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-12/15/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-12/11/2025 |
Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-12/15/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.31 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6579614 | |||||
| 4000099470 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101102 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000103353 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102249 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101510 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-12-11 08:51 | 2025-12-18 08:10 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-12/18/2025 Ready for Review-Please see the attached POST CD & FSS. Thank you! - Due Diligence Vendor-12/17/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/13/2025 Open- - Due Diligence Vendor-12/13/2025 Open- - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/11/2025 |
Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-12/18/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.21% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.87% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6581693 | ||||
| 4000102482 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101821 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-12-11 11:48 | 2025-12-17 12:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Bwr's LOE provided stating xxx is free and clear and I
do not have insurance for this property - Due Diligence Vendor-12/17/2025 Ready for Review-Please see the attached LOE - Due Diligence Vendor-12/17/2025 Open-Missing verification of insurance For Address xxx - Due Diligence Vendor-12/11/2025 |
Resolved-Bwr's LOE provided stating xxx is free and clear and I
do not have insurance for this property - Due Diligence Vendor-12/17/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.89% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.89% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.62 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6586207 | ||||
| 4000102689 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101469 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000105379 | C | A | C | A | C | A | A | A | Closed | FCRE7000 | 2025-12-11 06:39 | 2025-12-19 11:27 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-12/19/2025 Ready for Review-The borrower’s xxx account ending in xxx reflects sufficient available funds, and the funds were disbursed from this account and delivered to escrow, as evidenced by the attached wire documentation. The FSS and Post CD further confirm the receipt and application of the borrower’s funds. Based on the final accounting, the resulting Cash to Close is xxx to the borrower. Please review the attached documentation and advise if any additional clarification is needed. Thank you! - Due Diligence Vendor-12/18/2025 Counter-CTC wire provided however Missing proof of available funds from the xxx (listed on the Wire Doc) account to ensure its the borrower's account. - Due Diligence Vendor-12/17/2025 Ready for Review-Please see the attached POST CD & FSS. Thank you! - Due Diligence Vendor-12/16/2025 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-12/11/2025 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-12/19/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.94% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.74 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6580402 | ||||
| 4000105379 | C | A | C | A | C | A | A | A | Closed | finding-3652 | 2025-12-12 19:44 | 2025-12-16 15:13 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-12/16/2025 Resolved- - Due Diligence Vendor-12/16/2025 Ready for Review-Attached COC should be included within the package. Could you please review and let us know if you have any concerns? - Due Diligence Vendor-12/16/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC is missing on the FCD for the decrease of the Lender Credit. - Due Diligence Vendor-12/13/2025 Open- - Due Diligence Vendor-12/13/2025 |
Resolved-PCCD received, data entered, no additional compliance
findings. - Due Diligence Vendor-12/16/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.94% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.74 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6611266 | ||||
| 4000098689 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000097245 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000103543 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102232 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102408 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000100604 | C | A | C | A | A | A | A | A | Closed | FCRE1197 | 2025-12-10 14:44 | 2025-12-19 13:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Meets Agency Eligible Investor/2nd Homes &
Non-Agency Investor/2nd Homes Program Guidelines - Due Diligence
Vendor-12/19/2025 Ready for Review-see attached - Due Diligence Vendor-12/17/2025 Open-Audited FICO of xxx is less than Guideline FICO of 720 .Minimum fico allowed for a second home with a loan amount of xxx is 720. - Due Diligence Vendor-12/10/2025 |
Resolved-Meets Agency Eligible Investor/2nd Homes &
Non-Agency Investor/2nd Homes Program Guidelines - Due Diligence
Vendor-12/19/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.63 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.89 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.89 Years |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6572861 | ||||
| 4000100604 | C | A | C | A | A | A | A | A | Closed | FCRE1194 | 2025-12-10 14:44 | 2025-12-19 13:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline
LTV of 75% - Due Diligence Vendor-12/19/2025 Ready for Review-see lock info for loan clearing - Due Diligence Vendor-12/18/2025 Counter-Document Uploaded. Rate was locked as a xxx 30Year_30Days_6.875 - Per directive: xxx AUS Seller "Jumbo" Program UW Guidelines to be used. - Due Diligence Vendor-12/17/2025 Ready for Review-see attached - Due Diligence Vendor-12/17/2025 Open-Audited LTV of 75% exceeds Guideline LTV of 70% . Maximum LTV for a loan amount of xxx second home is 70% per guideline program Matrix. - Due Diligence Vendor-12/10/2025 |
Resolved-Audited LTV of 75% is less than or equal to Guideline
LTV of 75% - Due Diligence Vendor-12/19/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.63 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.89 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.89 Years |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6572860 | ||||
| 4000100604 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-12-10 14:44 | 2025-12-19 13:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.77% is less than or equal to
Guideline DTI of 50% - Due Diligence
Vendor-12/19/2025 Ready for Review-see lock info - Due Diligence Vendor-12/18/2025 Counter-Document Uploaded. Rate was locked as a xxx 30Year_30Days_6.875 - Per directive: xxx AUS Seller "Jumbo" Program UW Guidelines to be used. - Due Diligence Vendor-12/17/2025 Ready for Review-see attached - Due Diligence Vendor-12/17/2025 Open-Audited DTI of 48.77% exceeds Guideline DTI of 45% . Maximum DTI allowed for a loan amount of xxx second home is 45% per guideline program Matrix. Review and approval both show DTI at 48.77% exceeding max allowed by 3.77%. - Due Diligence Vendor-12/10/2025 |
Resolved-Audited DTI of 48.77% is less than or equal to
Guideline DTI of 50% - Due Diligence
Vendor-12/19/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.63 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.89 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.89 Years |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6572863 | ||||
| 4000101498 | C | A | C | A | A | A | A | A | Closed | FCRE1253 | 2025-12-10 07:28 | 2025-12-13 07:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/13/2025 Ready for Review-TAX CERT - Due Diligence Vendor-12/12/2025 Open-Missing Property Tax Cert . Provide property tax certification to evidence annual taxes as the Tax Record information sheet was not completed, title does not reflect taxes and no tax calculation was provided as required. - Due Diligence Vendor-12/10/2025 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/13/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6562948 | ||||
| 4000101615 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102818 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000103518 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-10 03:10 | 2025-12-13 07:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-12/13/2025 Ready for Review-DRIVE REPORT - Due Diligence Vendor-12/12/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/10/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-12/13/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.58% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6560893 | ||||
| 4000097901 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000103406 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102284 | D | A | D | A | B | A | A | A | Closed | FCRE1182 | 2025-12-11 15:06 | 2025-12-19 13:15 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/19/2025 Ready for Review-1008 - Due Diligence Vendor-12/18/2025 Counter-Nothing was attached please re-upload - Due Diligence Vendor-12/15/2025 Ready for Review-1008 - Due Diligence Vendor-12/15/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/11/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/19/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6591462 | ||||
| 4000102284 | D | A | D | A | B | A | A | A | Closed | FCOM8804 | 2025-12-14 14:43 | 2025-12-15 14:04 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Loan program disclosure missing or unexecuted | Resolved-Business Occupancy affidavit provided. - Due Diligence Vendor-12/15/2025 Ready for Review-Business Purpose - Due Diligence Vendor-12/15/2025 Open-Business Purpose and occupancy disclosure/Affidavits are missing from the file. - Due Diligence Vendor-12/14/2025 |
Resolved-Business Occupancy affidavit provided. - Due Diligence Vendor-12/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6616573 | ||||
| 4000102284 | D | A | D | A | B | A | A | A | Closed | FCRE2000 | 2025-12-14 14:40 | 2025-12-15 14:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-12/15/2025 Ready for Review-Purchase Contract - Due Diligence Vendor-12/15/2025 Open-Purchase Contract is Partial copy. Puchase contract shows xxx as buyer and not xxx. Entity documentation for for xxx missing from the file. - Due Diligence Vendor-12/14/2025 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-12/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6616563 | ||||
| 4000102284 | D | A | D | A | B | A | A | A | Closed | FCRE1814 | 2025-12-14 14:16 | 2025-12-15 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided. - Due Diligence Vendor-12/15/2025 Ready for Review-xxx - Due Diligence Vendor-12/15/2025 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN for xxx and xxx. - Due Diligence Vendor-12/14/2025 |
Resolved-Entity documents provided. - Due Diligence Vendor-12/15/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6616521 | ||||
| 4000103103 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2025-12-12 01:51 | 2025-12-19 08:22 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved----
Confirmation of xxx application date has been provided, thank you -
Due Diligence Vendor-12/19/2025 Ready for Review-Please see the attached audit trail of initial pkg and the snip of our system proving that the application date is xxx. - Due Diligence Vendor-12/19/2025 Counter-Documentation provided does not confirm the date lender received the 6 pieces of information required to trigger the application date. LO signature on URLA xxx, disclosures dated xxx. The LO signature date is not sufficient to determine the application date, it is only the date the LO ack'd the URLA. A Compliance report cannot be processed until the requested material information is received, which may result in additional Findings - Due Diligence Vendor-12/16/2025 Ready for Review-Hello Team, Upon review, the borrower’s application date is clearly documented in the Initial 1003, Initial Loan Estimate, and associated initial disclosures. Since the application date is fully verifiable from these documents, we respectfully request a waiver for this condition. Please let me know if you need other specific documents. - Due Diligence Vendor-12/16/2025 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-12/12/2025 |
Resolved---- Confirmation
of xxx application date has been provided, thank you - Due Diligence
Vendor-12/19/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.06% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6596932 | ||||
| 4000103108 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000103544 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102697 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000096470 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000104486 | D | A | B | A | D | A | A | A | Closed | FCOM5898 | 2025-12-15 16:33 | 2025-12-19 08:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Tangible Net Benefit Disclosure missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/19/2025 Ready for Review-Please find attached - Due Diligence Vendor-12/19/2025 Open-******* Please provide entire initial disclosure package for review - Due Diligence Vendor-12/15/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due
Diligence Vendor-12/19/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.39% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.38% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6632545 | ||||
| 4000104486 | D | A | B | A | D | A | A | A | Closed | FCRE1182 | 2025-12-12 08:32 | 2025-12-17 12:00 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/17/2025 Ready for Review-Please find attached 1008 1003 - Due Diligence Vendor-12/17/2025 Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-12/12/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/17/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.39% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.38% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6599355 | ||||
| 4000104907 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102463 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102644 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102206 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2025-12-15 10:03 | 2026-01-06 13:25 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received explanation in relation to non-borrower's
execution date. Finding Resolved. - Due Diligence Vendor-01/06/2026 Resolved- - Due Diligence Vendor-01/06/2026 Ready for Review-We have received detailed clarification from our client regarding the sequence of events for this loan and would like to provide the following explanation. At the time the loan documents were executed on xxx, the rate lock was valid through xxx, and under normal circumstances the loan would have been able to fund within that period. However, this transaction involved a borrower-specific circumstance. Although the Note was executed on xxx at the xxx, the wife had not yet completed her required signatures. It became apparent that closing would be delayed due to borrower being out of the country and documents to be shipped back to US for wife to sign. This delay was discussed with the borrower prior to lock expiration. Due to this borrower-driven delay, the rate lock expired on xxx, and a lock extension was required to proceed. A revised Final CD was issued on xxx, within three days of the lock expiration, to reflect the extension fee. The remaining documents were completed on xxx, escrow received final funds, and the loan successfully funded and closed on xxx. While this transaction followed a less common sequence due to the borrower’s unique circumstances, we believe the loan was handled in compliance with applicable regulations, and that the lock extension and related disclosure were appropriately issued based on borrower-driven timing considerations. Could you please consider and advise if there are any further concerns? Thank you. - Due Diligence Vendor-01/06/2026 Counter-**********Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note (xxx), not the date of funding. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. Please confer with your legal department. - Due Diligence Vendor-12/18/2025 Ready for Review-I would like to provide a clarification for this issue. The points amount of xxx was not added post-consummation. The borrower’s rate lock was extended prior to closing, and a Change of Circumstance (dated xxx) was issued due to the lock extension. A Revised Final Closing Disclosure dated xxx was provided to the borrower prior to consummation, reflecting the 0.125% lock extension fee (xxx). The loan closed on xxx, with funds disbursed on xxx. The Final Settlement Statement and subsequent Post-Closing Disclosure are consistent with the Revised Final CD. Accordingly, no post-consummation tolerance violation occurred, and no cure is required. Please let us know if there is any concerns on this issue. Thank you! - Due Diligence Vendor-12/17/2025 Open-**** Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/15/2025 Open- - Due Diligence Vendor-12/15/2025 |
Resolved-Received explanation in relation to non-borrower's
execution date. Finding Resolved. - Due Diligence Vendor-01/06/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.85 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.72 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6622470 | ||||
| 4000102206 | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2025-12-15 10:03 | 2026-01-06 13:25 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received explanation in relation to non-borrower's
execution date. Finding Resolved. - Due Diligence Vendor-01/06/2026 Resolved- - Due Diligence Vendor-01/06/2026 Ready for Review-As a follow-up to the prior explanation submitted in upper condition, we have reached out to the borrower and obtained a signed Letter of Explanation addressing the circumstances surrounding the delayed closing and lock extension. The borrower LOE confirms the borrower-specific circumstances that caused the delay, as well as the borrower’s acknowledgment and acceptance of the lock extension fee reflected on the revised Closing Disclosure. Please review the attached LOE and let us know if you have any further questions or concerns. Thank you! - Due Diligence Vendor-01/06/2026 Open-***** Finding in relation to **** Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/15/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/15/2025 Open- - Due Diligence Vendor-12/15/2025 |
Resolved-Received explanation in relation to non-borrower's
execution date. Finding Resolved. - Due Diligence Vendor-01/06/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.85 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.72 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6622471 | ||||
| 4000102206 | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2025-12-15 10:03 | 2026-01-06 13:25 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received explanation in relation to non-borrower's
execution date. Finding Resolved. - Due Diligence Vendor-01/06/2026 Resolved- - Due Diligence Vendor-01/06/2026 Open-***** Finding in relation to **** Post Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, Post consummation. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/15/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/15/2025 Open- - Due Diligence Vendor-12/15/2025 |
Resolved-Received explanation in relation to non-borrower's
execution date. Finding Resolved. - Due Diligence Vendor-01/06/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.85 Are Greater Than The Guideline Minimum Of 14 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.72 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6622472 | |||||
| 4000101276 | D | A | D | A | A | A | C | A | Closed | FPRO1136 | 2025-12-12 20:01 | 2025-12-19 16:32 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Client provided fungal report showing no issues from
licensed inspector. - Due Diligence
Vendor-12/19/2025 Ready for Review-HVAC, - Due Diligence Vendor-12/18/2025 Counter-The condition is for Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-12/17/2025 Ready for Review-CDA - Due Diligence Vendor-12/16/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-12/13/2025 |
Resolved-Client provided fungal report showing no issues from
licensed inspector. - Due Diligence
Vendor-12/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6611328 | |||||
| 4000101276 | D | A | D | A | A | A | C | A | Closed | FCRE1182 | 2025-12-12 21:08 | 2025-12-17 07:58 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/17/2025 Ready for Review-1008 - Due Diligence Vendor-12/16/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/13/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/17/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6611503 | |||||
| 4000101276 | D | A | D | A | A | A | C | A | Closed | FCRE1764 | 2025-12-15 13:05 | 2025-12-17 07:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement, tax cert, HOI & HOA documents
provided for xxx and Property report, Commercial lease agreement provided for
xxx, - Due Diligence Vendor-12/17/2025 Ready for Review-REO xxx - Due Diligence Vendor-12/16/2025 Open- Missing mortgage statement for REO xxx. - Due Diligence Vendor-12/15/2025 |
Resolved-Mortgage statement, tax cert, HOI & HOA documents
provided for xxx and Property report, Commercial lease agreement provided for
xxx - Due Diligence Vendor-12/17/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6628122 | |||||
| 4000101276 | D | A | D | A | A | A | C | A | Closed | FCRE7497 | 2025-12-15 13:11 | 2025-12-17 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (escrowed) provided. - Due Diligence Vendor-12/17/2025 Ready for Review-REO xxx - Due Diligence Vendor-12/16/2025 Open-REO xxx has mortgage payment escrow. final 1003 shows additional xxx. Provide document for missing xxx. - Due Diligence Vendor-12/15/2025 |
Resolved-Mortgage statement (escrowed) provided. - Due Diligence Vendor-12/17/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6628247 | |||||
| 4000101276 | D | A | D | A | A | A | C | A | Closed | FCRE1164 | 2025-12-12 20:14 | 2025-12-17 07:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due
Diligence Vendor-12/17/2025 Ready for Review-Flood Insurance Policy - Due Diligence Vendor-12/16/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-12/13/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence
Vendor-12/17/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6611391 | |||||
| 4000101495 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000102959 | A | A | A | A | A | A | A | A | Closed | FCRE3874 | 2025-12-12 15:54 | 2025-12-15 18:00 | Resolved | 1 - Information | A | A | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Resolved-Primary Value Valuation Neighborhood Location Not Allowed for Program According to Guideline Rural Property is Eligible. - Due Diligence Vendor-12/12/2025 | Resolved-Primary Value Valuation Neighborhood Location Not
Allowed for Program According to
Guideline Rural Property is Eligible.
- Due Diligence Vendor-12/12/2025 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6608830 | ||||||
| 4000101679 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101832 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000102459 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-12-12 12:20 | 2026-01-06 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-01/06/2026 Ready for Review-Please see attached. - Due Diligence Vendor-01/05/2026 Open-Missing Lenders Bank statement (24 months) income worksheet reflecting all deposits and excluded deposits - Due Diligence Vendor-12/19/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided -
Due Diligence Vendor-01/06/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
22.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.75% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6604392 | ||||
| 4000102459 | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2025-12-16 10:49 | 2026-01-06 09:03 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence
Vendor-12/19/2025 Ready for Review-Please see attached business statements for review - Due Diligence Vendor-12/18/2025 Open-Income and Employment Do Not Meet Guidelines -Missing all 24 months business bank statements used to qualify for B1- xxx company- monthly income xxx -Missing Lender Worksheet or Bank Statement Summary for xxx - Due Diligence Vendor-12/16/2025 |
Resolved-Income and Employment Meet Guidelines - Due Diligence
Vendor-12/19/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
22.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.75% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6642642 | ||||
| 4000102459 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-12-16 11:00 | 2025-12-26 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided HOA fees - Due Diligence
Vendor-12/26/2025 Ready for Review-Please see attached. - Due Diligence Vendor-12/26/2025 Open-Missing other property cost for primary property at xxx in the amount of xxx a month - Due Diligence Vendor-12/16/2025 |
Resolved-Lender provided HOA fees - Due Diligence
Vendor-12/26/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
22.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.75% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6642908 | ||||
| 4000102459 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2025-12-12 12:59 | 2025-12-26 12:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-12/26/2025 Ready for Review-Please see attached - Due Diligence Vendor-12/26/2025 Open-MIssing proof of asset 1- balance xxx Savings, xxx account ending in xxx required to close. - Due Diligence Vendor-12/16/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-12/26/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
22.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.75% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6605235 | ||||
| 4000102459 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2025-12-12 13:58 | 2025-12-19 14:07 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/19/2025 Ready for Review-Please see attached document for review. - Due Diligence Vendor-12/18/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/12/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/19/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
22.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.75% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6606500 | ||||
| 4000102459 | D | A | D | A | A | A | A | A | Closed | FCRE1253 | 2025-12-12 10:11 | 2025-12-19 14:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/19/2025 Ready for Review-Please see attached for review - Due Diligence Vendor-12/18/2025 Open-Missing Property Tax Certificate for subject property - Due Diligence Vendor-12/12/2025 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/19/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
22.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.75% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6601172 | ||||
| 4000102459 | D | A | D | A | A | A | A | A | Closed | FCRE1164 | 2025-12-16 10:42 | 2025-12-19 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due
Diligence Vendor-12/19/2025 Ready for Review-Please see attached document for review. - Due Diligence Vendor-12/18/2025 Open-Missing Flood Insurance Policy for subject property - Due Diligence Vendor-12/16/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence
Vendor-12/19/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or
More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More -
22.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.75% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6642392 | ||||
| 4000100589 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-12 15:54 | 2026-01-02 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/02/2026 Ready for Review-see attached - Due Diligence Vendor-01/02/2026 Open-Missing Third Party Fraud Report. - Due Diligence Vendor-12/12/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 13.84 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Months Reserves Of 13.84 Are Greater
Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6608831 | ||||
| 4000101962 | C | A | A | A | C | A | A | A | Closed | FCOM3957 | 2025-12-15 07:15 | 2026-01-05 13:37 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received Initial and Revised Loan Estimates in
addition to Initial CD. - Due Diligence Vendor-01/05/2026 Ready for Review-Closing disclosure - Due Diligence Vendor-01/02/2026 Open-******Documentation provided does not contain the______________________________________. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.. - Due Diligence Vendor-12/15/2025 |
Resolved-Received Initial and Revised Loan Estimates in addition
to Initial CD. - Due Diligence Vendor-01/05/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 10.59 Years Borrower 1 Has Stable Job Time Of Five (5) Or More
Years At Current Job - 10.59 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.09% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 71.09% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.92 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 101.92 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6620124 | ||||
| 4000103306 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2025-12-12 20:47 | 2025-12-23 13:46 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-12/23/2025 Ready for Review-Please see the attached FSS and POST CD - Due Diligence Vendor-12/23/2025 Counter-Apologies for the confusion, The Final CD states CTC from borrower is xxx - No assets in file. - Due Diligence Vendor-12/22/2025 Ready for Review-Please see the attached updated 1003. Borrower did not need to bring in any funds. - Due Diligence Vendor-12/19/2025 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-12/13/2025 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-12/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.61% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6611466 | ||||
| 4000103306 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-12-12 20:10 | 2025-12-22 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-12/22/2025 Ready for Review-Please see the attached EOI - Due Diligence Vendor-12/19/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-12/13/2025 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-12/22/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.61% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6611367 | ||||
| 4000103325 | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2025-12-12 10:00 | 2025-12-18 09:34 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-12/18/2025 Ready for Review-Please see attached document for review. - Due Diligence Vendor-12/17/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is missing. - Due Diligence Vendor-12/16/2025 |
Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-12/18/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 59.44 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.08 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6600875 | ||||
| 4000102676 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-14 05:06 | 2025-12-29 13:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-12/29/2025 Ready for Review-Third Party Fraud Report - Due Diligence Vendor-12/29/2025 Open-Missing Third Party Fraud Report Provide Third Party Fraud Report for the Subject Property. - Due Diligence Vendor-12/14/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-12/29/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 6.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.7% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 236.99 Are Greater Than The Guideline Minimum Of 11 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6615628 | ||||
| 4000102036 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000103078 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000099728 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000102693 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| 4000104908 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-12-22 15:31 | 2025-12-23 09:07 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-12/23/2025
Ready for Review-Please see attached. - Due Diligence Vendor-12/22/2025 Open-Missing viable third party appraisal review product. - Due Diligence Vendor-12/22/2025 |
Resolved-Desk review provided - Due Diligence
Vendor-12/23/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%)
Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 54% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.41 Years Borrower At Current Residence For Five (5) Or More Years - 10.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.22% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More Calculated DTI Of 44.22% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6745208 | ||||
| 4000101568 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000105257 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000104489 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000099236 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2025-12-16 01:29 | 2025-12-19 11:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-12/19/2025 Ready for Review-condo quest - Due Diligence Vendor-12/17/2025 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-12/16/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-12/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6636976 | |||||
| 4000099236 | D | A | D | A | A | A | A | A | Closed | FCRE1164 | 2025-12-16 02:01 | 2025-12-19 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due
Diligence Vendor-12/19/2025 Ready for Review-FLOOD INS - Due Diligence Vendor-12/17/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-12/16/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence
Vendor-12/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6637054 | |||||
| 4000099236 | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2025-12-16 02:01 | 2025-12-19 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due
Diligence Vendor-12/19/2025 Ready for Review-MASTER - Due Diligence Vendor-12/17/2025 Open-Missing HO-6 Master Insurance Policy Missing Flood Insurance Policy - Due Diligence Vendor-12/16/2025 |
Resolved-HO-6 Master Insurance Policy is fully present - Due
Diligence Vendor-12/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6637055 | |||||
| 4000099236 | D | A | D | A | A | A | A | A | Closed | FCRE1175 | 2025-12-16 02:01 | 2025-12-19 11:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches
HOA Name - Due Diligence Vendor-12/19/2025 Ready for Review-MASTER INSURANCE DOCS - Due Diligence Vendor-12/17/2025 Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name - Due Diligence Vendor-12/16/2025 |
Resolved-Named Insured on HO-6 Master Insurance Policy matches
HOA Name - Due Diligence Vendor-12/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6637056 | |||||
| 4000102254 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000103075 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000101963 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000105726 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000087722 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000096918 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000102278 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000099732 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000101951 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-12-18 19:59 | 2026-01-12 13:50 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided.
- Due Diligence Vendor-01/12/2026 Ready for Review-CDA - Due Diligence Vendor-01/12/2026 Counter-Appraisal has already been reviewed but neither xxx appraisal review was satisfactory, both > 2.5. Missing satisfactory 3rd party review product or 2nd appraisal. - Due Diligence Vendor-12/26/2025 Ready for Review-full appraisal - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/19/2025 |
Resolved-Desk review provided.
- Due Diligence Vendor-01/12/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6695716 | |||||
| 4000102469 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000104307 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000101387 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000104586 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000102347 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000105675 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102461 | C | A | C | A | C | A | A | A | Closed | FCRE7810 | 2025-12-19 10:35 | 2025-12-23 13:35 | Resolved | 1 - Information | C | A | Credit | Title | Title issue | Resolved-Grant Deed provided.
- Due Diligence Vendor-12/23/2025 Ready for Review-Please see the attached GD - Due Diligence Vendor-12/23/2025 Open-Warranty deed from xxx and xxx, Husband And Wife and xxx and xxx, Wife and Husband, all as joint tenants to xxx, HUSBAND AND WIFE AS COMMUNITY PROPERTY WITH RIGHT OF SURVIVORSHIP, has not been provided. - Due Diligence Vendor-12/19/2025 |
Resolved-Grant Deed provided.
- Due Diligence Vendor-12/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.4% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6704665 | ||||
| 4000102461 | C | A | C | A | C | A | A | A | Closed | FCRE7000 | 2025-12-18 06:02 | 2025-12-23 13:34 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-12/23/2025 Ready for Review-Hello Team, Per the final settlement statement, the xxx gift funds were applied to closing costs, and the borrower is receiving funds back at closing with no funds required to close. No reserves are required per guidelines. The 1003 has been updated to reflect the correct asset information. Based on the updated 1003 and final CD, total liquid assets are sufficient. Please let me know if you need further information. - Due Diligence Vendor-12/23/2025 Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-12/18/2025 |
Resolved-Total Liquid Assets Available for Close Resolved - Due
Diligence Vendor-12/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.4% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6679340 | ||||
| 4000102461 | C | A | C | A | C | A | A | A | Closed | FCOM3527 | 2025-12-19 10:42 | 2025-12-23 10:44 | Resolved | 1 - Information | C | A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-***Received PCCD - Due Diligence Vendor-12/23/2025 Ready for Review-Please see the attached FSS and POST CD - Due Diligence Vendor-12/23/2025 Open-PCCD reflecting Gift funds and balanced to title's final disbursement, has not been provided - Due Diligence Vendor-12/19/2025 |
Resolved-***Received PCCD - Due Diligence Vendor-12/23/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.4% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6704781 | ||||
| 4000102461 | C | A | C | A | C | A | A | A | Closed | FCOM7353 | 2025-12-19 10:30 | 2025-12-22 10:02 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Confirmation of xxx application date has been provided
- Due Diligence Vendor-12/22/2025 Ready for Review-Please see the attached audit trail and application date snip that reflects application date of xxx - Due Diligence Vendor-12/22/2025 Open- Documentation provided does not include confirmation of the borrowers application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-12/19/2025 |
Resolved-Confirmation of xxx application date has been provided
- Due Diligence Vendor-12/22/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.4% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6704575 | ||||
| 4000100389 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-12-18 06:46 | 2025-12-19 14:34 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/19/2025 Ready for Review-1008 - Due Diligence Vendor-12/18/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/18/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/19/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten
Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 205.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6679807 | ||||
| 4000098488 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000101748 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-12-18 02:23 | 2026-01-07 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid Drivers License provided - Due Diligence
Vendor-01/07/2026 Ready for Review-Please see attached ID document for review. - Due Diligence Vendor-01/06/2026 Counter-Apologies for the confusion, Missing Valid drivers license and or Signed US Patriot act form - Due Diligence Vendor-12/24/2025 Ready for Review-Borrower 1 is a US Citizen. Please advise if you are requesting the Driver's License as citizenship documentation. Thank you - Due Diligence Vendor-12/23/2025 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-12/18/2025 |
Resolved-Valid Drivers License provided - Due Diligence
Vendor-01/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 32.99 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.75 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6678256 | ||||
| 4000101706 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-12-18 03:23 | 2025-12-19 14:39 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/19/2025 Ready for Review-1008 - Due Diligence Vendor-12/18/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/18/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/19/2025 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6678528 | |||||
| 4000101849 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000100213 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000101632 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000104357 | C | B | C | B | A | A | A | A | Closed | FCRE1194 | 2025-12-18 17:54 | 2025-12-31 14:04 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with supporting comp factors:
Exception for Fico xxx instead of 720 for 75% LTV - Due Diligence Vendor-12/31/2025 Ready for Review-APPROVED EXCEPTION - Due Diligence Vendor-12/31/2025 Open-Audited LTV of 75% exceeds Guideline LTV of 70% Audited CLTV of 75% exceeds Guideline CLTV of 70%. Per lenders matrix xxx DSCR Matrix xxx.pdf under DSCR xxx with a qualified score of xxx reflects the max LTV allowed for a cash out loan is a max LTV of 70%. TPR verified xxx is accurate / qualified score, but lender used a qualified score of 720. This is not supported by documentation in file. Borrowers credit under doc pg #136 reflects borrowers are scores are as provide: Trans Union = xxx, Experian xxx and Equifax xxx / Credit report is dated / issued on xxx - Due Diligence Vendor-12/18/2025 |
Waived-Exception granted with supporting comp factors: Exception
for Fico xxx instead of 720 for 75% LTV
- Due Diligence Vendor-12/31/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 38.33 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Mortgage History 0x30x38 DSCR 1.2 41 months reserves |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6694829 | |||
| 4000102510 | C | A | A | A | A | A | C | A | Closed | FPRO9939 | 2025-12-19 02:55 | 2025-12-30 16:04 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-12/30/2025
Ready for Review-CDA - Due Diligence Vendor-12/30/2025 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.4) Required Desk Review - Due Diligence Vendor-12/19/2025 |
Resolved-desk review provided - Due Diligence
Vendor-12/30/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6699971 | |||||
| 4000104354 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101380 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000104090 | D | A | D | A | A | A | A | A | Closed | FCRE1162 | 2025-12-19 17:08 | 2025-12-31 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/31/2025 Ready for Review-Flood Cert - Due Diligence Vendor-12/31/2025 Open-Flood Certificate is Partially Provided - Due Diligence Vendor-12/19/2025 |
Resolved-Flood Certificate is fully present - Due Diligence
Vendor-12/31/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 156.39 Are Greater Than The Guideline
Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6715893 | ||||
| 4000098469 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-22 00:39 | 2025-12-31 14:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-12/31/2025 Ready for Review-Fraud Report - Due Diligence Vendor-12/31/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/22/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-12/31/2025 |
Borrower At Current Residence For Five (5) Or More Years -
Borrower At Current Residence For Five (5) Or More Years - 22.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 190.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6728364 | ||||
| 4000104657 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000105297 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000106644 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-12-19 08:45 | 2025-12-24 14:37 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/24/2025 Ready for Review-please see attached - Due Diligence Vendor-12/24/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/19/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/24/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6702418 | ||||
| 4000105944 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000102052 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-12-22 13:01 | 2025-12-26 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided - Due Diligence Vendor-12/26/2025 Ready for Review-Please see attached - Due Diligence Vendor-12/24/2025 Open- missing property taxes , hoi and hoa (if applicable) on xxx. need a breakdown of mortgage payment to verify PITIA - Due Diligence Vendor-12/22/2025 |
Resolved-Lender provided - Due Diligence Vendor-12/26/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.06 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.6% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6739785 | ||||
| 4000104768 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2025-12-19 07:03 | 2025-12-26 09:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Lender provided.
- Due Diligence Vendor-12/26/2025 Ready for Review-VOA - Due Diligence Vendor-12/24/2025 Open-Asset 1 Missing- xxx - Due Diligence Vendor-12/19/2025 |
Resolved-Lender provided.
- Due Diligence Vendor-12/26/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6701349 | |||||
| 4000104768 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-12-19 06:36 | 2025-12-26 09:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-12/26/2025 Ready for Review-HOI dec page - Due Diligence Vendor-12/24/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing premium info - Due Diligence Vendor-12/19/2025 |
Resolved-Hazard Insurance Policy is fully present - Due
Diligence Vendor-12/26/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | 6701120 | |||||
| 4000102901 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000102844 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-12-22 10:44 | 2025-12-26 11:50 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/26/2025 Ready for Review-1008 - Due Diligence Vendor-12/26/2025 Open-1008/Underwriting Summary Not Provided FInal 1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/22/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-12/26/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At
Current Job - 34.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.70 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.94 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6734547 | ||||
| 4000105672 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000105965 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000105976 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000107315 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000102814 | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2025-12-23 10:01 | 2026-01-08 11:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax cert, HOI & HOA statement provided. - Due Diligence Vendor-01/08/2026 Ready for Review-have uploaded the insurance certificate, taxes and hoa doc - Due Diligence Vendor-01/07/2026 Open-HOA document missing in the file for the property"xxx". Fraudguard supports borrower is on Deed (Borrower provided LOX stating that they live in the property rent free. That is inaccurate, per fraudguard borrower does own subject jointly with spouse (Borrower is not on MTG / just Deed) - Due Diligence Vendor-12/23/2025 |
Resolved-Tax cert, HOI & HOA statement provided. - Due Diligence Vendor-01/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.76 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.48% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6759277 | ||||
| 4000102814 | D | A | D | A | C | A | A | A | Closed | FCOM8891 | 2025-12-24 15:14 | 2026-01-08 11:16 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-Warranty deed provided. - Due Diligence Vendor-01/08/2026 Ready for Review-warranty deed has been uploaded - Due Diligence Vendor-01/07/2026 Open-Documentation provided is missing the Warranty Deed to borrower and the inter-spousal deed from spouse to borrower, sole and separate - Due Diligence Vendor-12/24/2025 |
Resolved-Warranty deed provided.
- Due Diligence Vendor-01/08/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.76 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.48% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6796379 | ||||
| 4000102174 | D | A | D | A | A | A | A | A | Closed | FCRE1470 | 2025-12-23 14:21 | 2026-01-02 08:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-01/02/2026 Ready for Review-Checks - Due Diligence Vendor-12/31/2025 Counter-Checks provided appear to be escrow check for this closing. Looking for FCD or proceeds check for xxx from secured loan as mentioned on 1003. - Due Diligence Vendor-12/26/2025 Ready for Review-cash to close check - Due Diligence Vendor-12/26/2025 Open-Asset 4 Missing Missing proof of Proceeds of Sale of xxx - Due Diligence Vendor-12/23/2025 |
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence
Vendor-01/02/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 28.64 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6767919 | ||||
| 4000104825 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000096796 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000102549 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000104529 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-23 07:33 | 2026-01-07 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/07/2026 Ready for Review-Fraud Report - Due Diligence Vendor-01/06/2026 Open-Missing Third Party Fraud Report . - Due Diligence Vendor-12/23/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/07/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 30.04 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Months Reserves Of 30.04 Are Greater
Than The Guideline Minimum Of 3 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6756841 | ||||
| 4000104268 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2025-12-23 15:54 | 2026-01-07 13:21 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-01/07/2026 Ready for Review-1008 with Credit Memo - Due Diligence Vendor-01/06/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/23/2025 |
Resolved-1008/Underwriting Summary is fully present - Due
Diligence Vendor-01/07/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.67 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6771405 | ||||
| 4000104268 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2025-12-24 11:55 | 2026-01-07 13:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 45.3% is less than or equal to
Guideline DTI of 50% - Due Diligence
Vendor-01/07/2026 Ready for Review-Departing Residence omitted...refer to comments and docs - Due Diligence Vendor-01/06/2026 Open-Audited DTI of 62.35% exceeds Guideline DTI of 50% Audited DTI is 62.35% is not matching with Lock confirmation DTI Shows 46.905, however Lender has not considered the Rental loss for the REO property. - Due Diligence Vendor-12/24/2025 |
Resolved-Audited DTI of 45.3% is less than or equal to Guideline
DTI of 50% - Due Diligence
Vendor-01/07/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.67 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6791223 | ||||
| 4000104268 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2025-12-23 14:17 | 2026-01-07 13:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-01/07/2026 Ready for Review-Condo Questionnaire - Due Diligence Vendor-01/06/2026 Open-HOA Questionnaire Document status is Missing. Validated - Due Diligence Vendor-12/24/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence
Vendor-01/07/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.67 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6767753 | ||||
| 4000106915 | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2025-12-23 10:58 | 2025-12-24 08:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence
Vendor-12/24/2025 Ready for Review-Document Uploaded. - Seller-12/24/2025 Open-The Final 1003 is Incomplete . Provide pages 1 and 2 of 18 as they were not provided at the time of review. - Due Diligence Vendor-12/23/2025 |
Ready for Review-Document Uploaded. - Seller-12/24/2025 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-12/24/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 239.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.78% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6760544 | |||
| 4000105140 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000102210 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-12-30 18:54 | 2026-01-10 13:17 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-01/10/2026
Ready for Review-CDA - Due Diligence Vendor-01/08/2026 Open-Missing viable appraisal review product (CDA or equivalent) - Due Diligence Vendor-12/30/2025 |
Resolved-Desk review provided - Due Diligence
Vendor-01/10/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 49.35 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6862667 | ||||
| 4000102210 | D | A | A | A | A | A | D | A | Closed | FPRO1136 | 2025-12-24 09:28 | 2026-01-10 13:16 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-12/29/2025 Ready for Review-final - Due Diligence Vendor-12/26/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-12/24/2025 |
Resolved-Primary Value for Subject Property Appraisal is
completed on an As-Is Basis, the 1004D Completion Report is fully present, or
Not Applicable - Due Diligence Vendor-12/29/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 49.35 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.92 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6787288 | ||||
| 4000104271 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000104640 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2025-12-23 12:06 | 2025-12-26 10:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-12/26/2025 Ready for Review-xxx - Due Diligence Vendor-12/24/2025 Open-Purchase Contract Is Missing - Due Diligence Vendor-12/23/2025 |
Resolved-Purchase Contract Issue Resolved - Due Diligence
Vendor-12/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 49.06 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6762835 | ||||
| 4000104640 | D | A | D | A | A | A | A | A | Closed | FCRE1253 | 2025-12-23 12:02 | 2025-12-26 10:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/26/2025 Ready for Review-tax cert - Due Diligence Vendor-12/24/2025 Open-Missing Property Tax Cert - Due Diligence Vendor-12/23/2025 |
Resolved-Property Tax Cert Provided - Due Diligence
Vendor-12/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 49.06 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6762725 | ||||
| 4000104640 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2025-12-23 12:17 | 2025-12-26 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-12/26/2025 Ready for Review-cbr - Due Diligence Vendor-12/24/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-12/23/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due
Diligence Vendor-12/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 49.06 Are Greater Than The Guideline
Minimum Of 3 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6763132 | ||||
| 4000102290 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000105493 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2025-12-24 13:50 | 2025-12-29 08:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure or Final Settlement
Statement Provided - Due Diligence Vendor-12/29/2025 Ready for Review-Please see attached. - Due Diligence Vendor-12/26/2025 Open-Missing Final Closing Disclosure or Final Settlement Statement. - Due Diligence Vendor-12/24/2025 |
Resolved-TRID: Final Closing Disclosure or Final Settlement
Statement Provided - Due Diligence Vendor-12/29/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six
(6) Or More Months - Months Reserves Of 11.82 Are Greater Than The Guideline
Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6793610 | ||||
| 4000096930 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-12-26 02:46 | 2026-01-13 17:46 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ICD - Due Diligence Vendor-01/13/2026 Ready for Review-Disclosure History - Due Diligence Vendor-01/12/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure Missing Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/26/2025 |
Resolved-**Received ICD - Due Diligence Vendor-01/13/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less -
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line
Usage Ratio equals 0.11 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.21 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.44% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6806777 | ||||
| 4000105979 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-12-26 14:56 | 2026-01-02 11:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.08 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-01/02/2026 Ready for Review-Please see POST CD attached :) thank you! - Due Diligence Vendor-01/02/2026 Counter-Apologies for the confusion, Audited Assets total xxx (all gift funds) the CTC per the final CD states: xxx - Reserves are short by xxx - Due Diligence Vendor-12/31/2025 Ready for Review-The gift amounts for this file are as follows: xxx + xxx + xxx +xxx, totaling xxx. Based on this, the reserve should be xxx. The required assets amount to xxx. Therefore, xxx + xxx = xxx, which satisfies the required reserve. - Due Diligence Vendor-12/31/2025 Open-Audited Reserves of 3.7 are less than Guideline Required Reserves of 4 - Due Diligence Vendor-12/26/2025 |
Resolved-Audited Reserves of 4.08 are greater than or equal to
Guideline Required Reserves of 4 - Due Diligence Vendor-01/02/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.63% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.96 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | 6818829 | ||||
| 4000104000 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000102669 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000106094 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000107297 | C | A | C | A | A | A | A | A | Closed | FCRE2994 | 2025-12-30 15:41 | 2026-01-05 09:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Corrected B/S Income worksheet and Updated 1008
reflecting Audited DTI - Due Diligence
Vendor-01/05/2026 Ready for Review-Please see attached file. Thank you very much. - Due Diligence Vendor-01/05/2026 Open-Audited income xxx vs lender of xxx Appears to be xxx business bank statement(xxx) - for B1 company xxx Lenders xxx deposit used However Audited used xxx per statement -Audited dti is 38.81% verse lenders dti is 26.83% -Provide updated 1008 - Due Diligence Vendor-12/30/2025 |
Resolved-Corrected B/S Income worksheet and Updated 1008
reflecting Audited DTI - Due Diligence
Vendor-01/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 740 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.22% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.51% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6860223 | ||||
| 4000102740 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000100393 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000108165 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000100150 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000102427 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000103097 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000107316 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000106343 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000107348 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000103782 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000098611 | D | A | D | A | D | A | D | A | Closed | FCOM1544 | 2026-01-05 13:51 | 2026-01-10 13:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure or Final Settlement
Statement Provided - Due Diligence Vendor-01/10/2026 Ready for Review-Final CD - Due Diligence Vendor-01/08/2026 Open-Missing Final Closing Disclosure or Final Settlement Statement - Due Diligence Vendor-01/05/2026 |
Resolved-TRID: Final Closing Disclosure or Final Settlement
Statement Provided - Due Diligence Vendor-01/10/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6918913 | |||||
| 4000098611 | D | A | D | A | D | A | D | A | Closed | FCRE1201 | 2026-01-05 14:18 | 2026-01-10 13:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/10/2026 Ready for Review-Fraud Report - Due Diligence Vendor-01/08/2026 Open-Missing Third Party Fraud Report Third Party Fraud report is missing in the loan file. - Due Diligence Vendor-01/05/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence
Vendor-01/10/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6919572 | |||||
| 4000098611 | D | A | D | A | D | A | D | A | Closed | FCRE1748 | 2026-01-05 13:33 | 2026-01-10 13:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved- - Due Diligence Vendor-01/10/2026 Ready for Review-AFFIDAVIT OF OCCUPANCY - Due Diligence Vendor-01/08/2026 Open-Our Subject Property is Investment Purchase but Certificate of Occupancy document is Missing in the loan file. - Due Diligence Vendor-01/05/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6918518 | ||||||
| 4000098611 | D | A | D | A | D | A | D | A | Closed | FPRO1244 | 2026-01-06 13:53 | 2026-01-10 13:12 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field review provided - Due Diligence
Vendor-01/10/2026 Ready for Review-2ND APPRAISAL PRODUCT - Due Diligence Vendor-01/08/2026 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-01/06/2026 |
Resolved-Field review provided - Due Diligence
Vendor-01/10/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6941003 | |||||
| 4000098611 | D | A | D | A | D | A | D | A | Closed | FCOM1232 | 2026-01-05 13:15 | 2026-01-10 13:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence
Vendor-01/10/2026 Ready for Review-Final 1003's - Due Diligence Vendor-01/08/2026 Counter-The Final 1003 is Missing for Borrower 1 & 2 in the loan file. - Due Diligence Vendor-01/08/2026 Ready for Review-unable to upload documents, please advise - Due Diligence Vendor-01/07/2026 Open-The Final 1003 is Missing for Borrower 1 & 2 in the loan file. - Due Diligence Vendor-01/05/2026 |
Resolved-The Final 1003 is Present - Due Diligence
Vendor-01/10/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6918191 | |||||
| 4000105994 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000102940 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000108184 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2026-01-06 08:00 | 2026-01-08 07:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-01/08/2026 Ready for Review-Please see post cd attached. Thank you! - Due Diligence Vendor-01/07/2026 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-01/06/2026 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or
equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is
Not Provided - Due Diligence Vendor-01/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 40.21% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.2 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | 6931057 | ||||
| 4000108013 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 4000097249 | B | B | A | A | A | A | B | B | Closed | FVAL9739 | 2026-01-06 05:27 | 2026-01-06 15:32 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Property with ADU - Unable to provided a closed sale
with an ADU in our appraisal report. Appraiser provided 1 listing with comment market reaction to ADU is very positive and the . has considerable contributory value. Per appraiser the search for a closed comparable pro an ADU was extensive and exhaustive. There is no data to provided that would be comparable to the subject property with an ADU. - Due Diligence Vendor-01/06/2026 |
Waived-Property with ADU - Unable to provided a closed sale with
an ADU in our appraisal report. Appraiser provided 1 listing with comment market reaction to ADU is very positive and the . has considerable contributory value. Per appraiser the search for a closed comparable pro an ADU was extensive and exhaustive. There is no data to provided that would be comparable to the subject property with an ADU. - Due Diligence Vendor-01/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty
(20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline
Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.88% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
Low LTV, DSCR >1, Additional reserves after closing, credit
score 19 pts higher than min requirement, no mortgage lates |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 6929600 | ||||
| 4000105715 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000107279 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000101684 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-01-06 17:06 | 2026-01-08 13:41 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD. - Due Diligence Vendor-01/08/2026 Ready for Review-The disbursement date is xxx. Please see the attached Post CD. - Due Diligence Vendor-01/08/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/06/2026 |
Resolved-**Received PCCD. - Due Diligence Vendor-01/08/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%)
Or More - Original LTV Of 56.03% Is Below The Guideline Maximum Of 80% By Ten
Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.39% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6945527 | ||||
| 4000105993 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000106815 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000108201 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000108015 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000101715 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000104154 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000108202 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000106144 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 4000104379 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000105186 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | ||||||||||||||||||||
| 4000103768 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000107298 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 4000105725 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |