Exhibit 99.04 Schedule 1
| Loan Number | Alt Loan ID | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| 4000084920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000084920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000084920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. No compliance findings | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000097565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within XXX days of closing. Please provide Gap Credit Report. | Document Uploaded. | 10/23/2025 | Borrower 1 Gap Credit Report is not missing.; An undisclosed debt monitoring report dated within XXX days of closing was provided. | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000097565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000097565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000097567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within XXX days of closing. Please provide Gap Credit Report. | Document Uploaded. | 10/30/2025 | Borrower 1 Gap Credit Report is not missing.; An undisclosed debt monitoring report dated within XXX days of closing was provided. | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000097567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000097567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000097981 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | XXXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Per Lock Loan program XXX Mos P&L and 2months Bank Statements, minimum XXX months business or comingled bank Statements to support qualifying income is missing | Document Uploaded. ; Document Uploaded. | 11/13/2025 | Borrower 1 Business Bank Statements Provided; Two months bank Statements to support P&L income was provided. ; Bank Statements provided are 401K Statements. According to lender guidelines, a minimum of XXX months’ business or comingled bank Statements to support income is required. Missing XXX months bank Statements to support income. | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.8% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.8% is less than Guideline LTV of 65% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000097981 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | XXXX | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss Missing Per Lock Loan program XXX Mos P&L and 2months Bank Statements, XXX or XXX months P&L prepared by CPA dated within XXX days of the application is missing (email attestation from CPA and CPA letter along with CPA verification is in file; actual P&L is missing) | Document Uploaded. | 11/05/2025 | Borrower 1 YTD Profit & Loss Provided; A XXX months P&L prepared by the CPA was provided. | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.8% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.8% is less than Guideline LTV of 65% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000097981 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | XXXX | Credit | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Partial report includes Mortgage participant list report and Appraiser Search Results, no other pages in file | Document Uploaded. | 11/05/2025 | Third Party Fraud Report is fully present; Fraud Report was received. | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.8% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.8% is less than Guideline LTV of 65% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000097981 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.8% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.8% is less than Guideline LTV of 65% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000097981 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.8% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.8% is less than Guideline LTV of 65% | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount points and XXX to XXX for the Loan Origination from LE XX/XX/XXXX to LE XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. | 11/19/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000101340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing gift letter for XXX gift, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | 11/19/2025 | Asset Qualification Meets Guideline Requirements; Gift letter for XXX gift funds was received. | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000101340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 80% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | XXXX | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | Document Uploaded. | 11/21/2025 | Evidence of eConsent is provided. | 11/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000101330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000101330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000100927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000100927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000100927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000103182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000103182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000103182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000098710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXXX | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. | 12/02/2025 | Evidence of eConsent is provided. | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000098710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000098710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000098710 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000103176 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXXX | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 12/03/2025 | Evidence of eConsent is provided. | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000103176 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000103176 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000098712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required to clear exception - Provide copy of Affiliated Business Disclosure. | Document Uploaded. | 12/08/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.12% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.12% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | B | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000098712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Cured | XXXX | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of XXX for the decrease of Lender Credits on the final CD: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). | Document Uploaded. ; Document Uploaded. | 12/09/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Documentation provided indicates the date of change was XX/XX/XXXX but both CDs in file are dated XX/XX/XXXX, provide clarification as the change was disclosed prior to the change date based on the information provided | 12/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.12% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.12% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | C | B | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B |
| 4000098712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.12% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.12% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 4000098712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.12% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.12% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | B | A | A | A | A | A | A | C | B | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | ||||
| 4000101336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.32% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.32% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.32% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000103185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXXX | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation Required: The signed documents consent is missing. Provide consent dated on or before XX/XX/XXXX. | Document Uploaded. | 12/17/2025 | Evidence of eConsent is provided.; Received e-consent | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.45% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.45% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4000103185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.45% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.45% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000103185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.45% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.45% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000106293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000106293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000106293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000100587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | HPML Compliant; Informational Only | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.05% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.05% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000100587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | HPML Compliant; Informational Only | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.05% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.05% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000100587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | HPML Compliant; Informational Only | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.05% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.05% is less than Guideline LTV of 75% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000101343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 4000101343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/16/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| 6000099270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation Required- Missing documentation to verify date the loan estimate dated XX/XX/XXXX was delivered to Borrowers. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 10/16/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 10/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of XXX is due to the increase of the appraisal fee from XXX to XXX on the LE dated XX/XX/XXXX without valid COC. | Document Uploaded. Please see attached, the Re-disclosure history form uploaded with the loan file was cut off at the bottom. Please see a full copy for the Appraisal CIC | 10/16/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 10/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | A | A | A | A | A | A | C | A | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The file is missing a copy of an additional bank Statement to cover a XXX month period for the XXX account numbers XXX, XXX, and acct XXX located on page XXX & XXX per DU. The file currently has the month XX/XX/XXXX thru XX/XX/XXXX | Asset Qualification Meets Guideline Requirements | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXXX | Credit | Missing explanation and supporting documentation for large deposit(s) | The file is missing documentation to source the large deposit of $XXX deposited XX/XX/XXXX into XXX XXX acct XXX on page XXX | Document Uploaded. Please see attached for source of the large deposit as well as the missing requested asset Statements. Note that the source of the large deposit was a transfer from the borrower's business account XXX | 11/10/2025 | Large deposit of $XXX source doc provided (pg XXX of XXX of attached). | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/12/2025 | Resolved | XXXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of XXX is due to the increase of the discount points fee from XXX on the initial LE to XXX on the final CD without valid COC. This loan failed the charges that cannot increase 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | This is invalid. The fees are not binding and can change with unlimited tolerance until the rate is locked. A CIC is not needed. This LE does not need to be tested as it is not binding. Please cancel this exception. ; Invalid exception. The LE's disclosing the points at XXX confirm the rate is not locked. LDP is not binding until the rate is locked. Please cancel this exception | 10/20/2025 | Applied COC for rate lock, XX/XX/XXXX. ; Applied COC for rate lock, XX/XX/XXXX. ; Provide the date the borrower requested the rate decrease to resolve; Even though the loan was not locked, a valid change in circumstance needs to be established in order to adjust fees that cannot change. It appears the loan rate decreased on that LE however there is no documentation to confirm the date therefore it could not be properly tested. provide the date the borrower requested the rate decrease to resolve | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | C | A | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | D | D | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete DU #XXX requires the HELOC with XXX, account ending XXX be disclosed on the final application and casefile resubmitted to DU. Provide corrected 1003 and resubmitted DU. | Per the credit report, the HELOC with XXX is paid and no longer an active debt on any of the borrower's properties. 1003 update not required. | 10/20/2025 | The Final 1003 is Present | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Compliant | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099373 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Compliant | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure for XXX | Please escalate for this exception to be cancelled. For any loan in which XXX is not the lender, the Affiliated Business Arrangement Disclosure is not required unless an affiliated service provider is utilized. If no affiliated business relationships or referrals exist in connection with the transaction, the disclosure is XXX. | 10/22/2025 | Required Affiliated Business Disclosure Documentation Provided | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. | B | A | B | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6000099405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Informational | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 6000099405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Informational | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | B | A | A | A | A | A | A | A | B | A | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 4000092124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXX | Credit | Note Missing or Defective | Missing Prepayment Addendum. Closing Disclosure in file indicates that there is a prepayment penalty. | XXX: PPP | 09/24/2025 | XXX: Received PPP | 09/24/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000089985 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXX | Credit | Background Check Missing or Defective | Missing Background Report for borrower: XXX | XXX: Fraud | 09/25/2025 | XXX: Received Fraud | 09/25/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000092959 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/01/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000097557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/16/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000097570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/24/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000098706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/24/2025 | Resolved | XXXX | Credit | Background Check Missing or Defective | Background report shows Escrow Officer XXX is a potential match on OFAC. Online search confirms XXX is still on OFAC Exclusionary list | XXX: Updated background report | 10/27/2025 | XXX: Received OFAC and background verification | 10/27/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000098707 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/27/2025 | Resolved | XXXX | Credit | Background Check Missing or Defective | Background report shows Escrow Officer XXX is a potential match on OFAC. Online search confirms XXX is still on OFAC Exclusionary list | XXX: Compliance Report | 11/03/2025 | XXX: Received Compliance Report | 11/03/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000097992 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000098705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Credit | Mortgage Payment History Missing or Defective | Missing VOM or proof of free and clear ownership for primary residence: XXX | XXX: Property report | 10/31/2025 | XXX: Received Property Report | 10/31/2025 | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000098705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Property | Hazard Insurance Missing or Defective | Missing Evidence of Hazard Insurance for subject property: XXX XXX | XXX: Insurance | 10/31/2025 | XXX: Received Insurance | 10/31/2025 | D | A | D | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000098705 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Credit | Background Check Missing or Defective | Background report shows Escrow Officer XXX is a potential match on OFAC. Online search confirms XXX is still on OFAC Exclusionary list | XXX: OFAC Documentation | 10/31/2025 | XXX: Received Documentation | 10/31/2025 | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000101236 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Credit | Guarantor Identification Missing or Defective | Missing identification for XXX. ID in the file expired XX/XX/XXXX | XXX: Patriot act form | 10/31/2025 | XXX: Received Patriot act form | 10/31/2025 | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000101236 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Credit | Security Instrument Missing or Defective | Missing pages XX/XX/XXXX of the Mortgage. Please provide full document. | XXX: Mortgage uploaded | 10/31/2025 | XXX: Received Mortgage | 10/31/2025 | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000097559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Credit | First Time Homebuyer | Per guidelines, FTHB will be considered on a case-by-case basis | XXX: UW made the call to approve as the borrower had a strong credit profile and XXX years at his current primary address | 11/04/2025 | XXX: Received Verification | 11/04/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000101236 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Property | Ineligible Property | Property is Vacant with no evidence of rental listing | XXX: STR compliance | 10/31/2025 | XXX: Received STR compliance | 10/31/2025 | D | A | C | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000101236 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Property | Flood Insurance Missing or Defective | Missing Evidence of Flood Insurance for subject property: XXX | XXX: Flood Cert | 10/31/2025 | XXX: Received Flood Cert | 10/31/2025 | D | A | D | A | C | A | D | A | N/A | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | D | C | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000097983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Credit | Mortgage Payment History Missing or Defective | Missing VOM or proof of free and clear ownership for primary residence: XXX | XXX: VOM | 11/03/2025 | XXX: Received VOM | 11/03/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000097558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000097989 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000098708 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXX | Credit | Mortgage Payment History Missing or Defective | VOM or proof of free and clear ownership for Primary Residence: XXX | XXX: Received Mortgage Statement | 11/05/2025 | XXX: Received Mortgage Statement | 11/05/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000097568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/12/2025 | Resolved | XXXX | Credit | First Time Homebuyer | Borrower appears to be a FTHB. Per guides, this will be reviewed on a case-by-case basis. | XXX: Case by case basis is at underwriter discretion with no exception required. In this case, borrower has an established primary residence living with a domestic partner in a different geographic area to the subject property and this is acceptable. | 11/25/2025 | XXX: Received UW approval | 11/25/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000098713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/13/2025 | Resolved | XXXX | Credit | Title Insurance Missing or Defective | Lender on Title Commitment does not match Lender on Note, please provide updated Title. | XXX: Title | 11/17/2025 | XXX: Title received | 11/18/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000098713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/13/2025 | Resolved | XXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX | XXX: Deed | 11/21/2025 | XXX: Received Deed | 11/21/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000098713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/13/2025 | Resolved | XXXX | Credit | Undocumented Large Deposit/Increase | Unsourced large deposits were identified in XXX account #XXX in the amounts of XXX and XXX on XX/XX/XXXX. | XXX: Asset clarification | 11/17/2025 | XXX: Clarification received | 11/18/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000098713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/14/2025 | Resolved | XXXX | Credit | Asset Documentation Missing or Defective | Missing evidence of our borrower, XXX, receiving Gift Funds into personal bank account. The Gift Funds were deposited into XXX account, but there is no documentation showing the transfer into the borrower’s account. | XXX: Joint account | 11/25/2025 | XXX: Received documentation of joint account | 11/25/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000098715 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000097984 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000098717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000098718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/24/2025 | Resolved | XXXX | Property | Hazard Insurance Missing or Defective | Hazard Insurance MISSING MORTGAGEe clause after lender's name. Please provide updated hazard with ISAOA/ATIMA verbiage | XXX: HOI uploaded | 12/01/2025 | XXX: HOI received | 12/02/2025 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000097991 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/24/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000103180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXXX | Property | Hazard Insurance Missing or Defective | Missing Rent Loss Coverage | XXX: HOI | 12/03/2025 | XXX: HOI received with rent loss | 12/03/2025 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000098720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/01/2025 | Resolved | XXXX | Property | Hazard Insurance Missing or Defective | Provided Hazard Insurance is MISSING MORTGAGEe clause following the Lender's name. Please provide updated Hazard Insurance | XXX uploaded hoi | 12/03/2025 | XXX: HOI received with ISAOA | 12/03/2025 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000103172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/01/2025 | Resolved | XXXX | Credit | Background Check Missing or Defective | Missing Background Report for: XXX | XXX: Fraud | 12/02/2025 | XXX: Received Background check | 12/03/2025 | D | A | A | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000103172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/01/2025 | Resolved | XXXX | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for the Subject Property: XXX | XXX: Insurance | 12/02/2025 | XXX: Received Insurance | 12/03/2025 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000092142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000100925 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000073393 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000084915 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/24/2025 | Resolved | XXXX | Property | Appraisal Missing or Defective | Missing XXX document for subject property: XXX | XXX : Apprsl | 07/30/2025 | XXX: Received XXX XXX: XXX document still needed for market rent analysis | 07/31/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000084916 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/25/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000084913 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 07/28/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000086069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/11/2025 | Resolved | XXXX | Credit | Background Check Missing or Defective | Missing background report for: XXX | XXX: Background report | 08/19/2025 | XXX: Received Background | 08/19/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000084910 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/15/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000084926 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/20/2025 | Acknowledged | XXXX | Property | Ineligible Property | Subject property: XXX XXX acres > XXX Acre maximum | XXX: Exception waiver in file | 08/20/2025 | XXX: Exception waiver received | 08/20/2025 | FICO above the minimum by XXX points or higher, DTI > than XXX% below program requirement / DSCR > XXX Property is in resort area | C | B | C | B | A | A | C | B | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A | B | A | B | N/A |
| 4000087734 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/21/2025 | Resolved | XXXX | Credit | Title Insurance Missing or Defective | Preliminary Title is MISSING MORTGAGEe Clause after Lender's name. Please provide updated Title Policy with ISAOA/ATIMA | XXX: Correct title uploaded | 09/05/2025 | XXX: Received title | 09/08/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000089987 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/04/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000090006 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/04/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000101354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | XXXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage. | XX/XX/XXXX: CPL | XXX: Received | 12/17/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000098354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/15/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000103323 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/16/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000104407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/17/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000105154 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/23/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000102836 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/26/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000103986 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/31/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000084385 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | XXXX | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 08/04/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000090717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXX | Property | Appraisal Missing or Defective | Appraisal defective due to an in XXX sales comparison approach to value. Comparable sales exceed guideline requirements without supporting rationale from the appraiser; Comp #XXX sold in XXX and Net Adjustment exceeds XXX% Comp #XXX Net Adjustment exceeds XXX% Comp #XXX sold in XXX and Gross Adjustment exceeds XXX% | XX/XX/XXXX: Appraisal update | XXX: Received | 11/05/2025 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000097835 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 11/03/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000088481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 11/12/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000101413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXXX | Property | Hazard Insurance Missing or Defective | Hazard insurance missing policy number. Please provide updated hazard insurance | XX/XX/XXXX: Hazard | XXX: Received | 12/01/2025 | C | A | C | A | A | A | C | A | N/A | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | C | A | C | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000096867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | XXXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (CPL) | XX/XX/XXXX: CPL | XXX: Received | 11/25/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000103312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX XXX | XX/XX/XXXX: CDA | XXX: CDA | 12/03/2025 | D | A | D | A | A | A | D | A | N/A | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | D | A | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000100366 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/03/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000102168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/04/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000101382 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/08/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000102365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/08/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000101640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/09/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000101399 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | XXXX | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear | 12/12/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||
| 4000093041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXXX | Credit | No Findings | This Loan Meets All Applicable Guidelines | 10/15/2025 | A | A | A | A | A | A | A | A | N/A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | ||||
| 4000100718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXX | Credit | Asset Documentation Missing or Defective | Missing Evidence of XXX Consecutive Months of Verified Assets for XXX Accounts #XXX and #XXX | XXX: Uploaded | 12/04/2025 | XXX: Received New Guidelines requiring only one-Month Statements | 12/04/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000100718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXX | Credit | Insufficient Assets for Reserves | Borrowers XXX of XXX < XXX Months Required. | XXX: Uploaded | 12/4/20225 | XXX: Received New Guidelines requiring only one-Month Statements | 12/04/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000100723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Resolved | XXXX | Credit | Deed Missing or Defective | Missing Evidence of Deed | XXX: Uploaded | 11/24/2025 | XXX: Received | 11/24/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000100726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXXX | Credit | Sales Contract Missing or Defective | Purchase Agreement on file is illegible. Please provide legible Purchase Agreement. | XXX: Uploaded | 12/04/2025 | XXX: Received | 12/04/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | MARKET RENT - MISSING OR DEFECTIVE | MISSING XXX ADDENDUM | XXX: RECEIVED | 06/10/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | ASSET DOCUMENTATION MISSING OR DEFECTIVE | MISSING ASSET DOCUMENTATION | XXX: RECEIVED | 06/12/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | PROPERTY | HAZARD INSURANCE MISSING OR DEFECTIVE | MISSING EVIDENCE OF HAZARD INSURANCE | XXX: PLEASE PROVIDE HO6 POLICY | 06/12/2025 | XXX: RECEIVED | 06/25/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | PROPERTY | FLOOD CERT OR EVIDENCE NOT IN A FLOOD ZONE MISSING | MISSING FLOOD CERTIFICATE WITH LIFE OF LOAN DETERMINATION | XXX: RECEIVED | 05/20/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING LOAN APPLICATION OR TERM SHEET | XXX: RECEIVED | 05/20/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | CLOSING DOCUMENTATION MISSING OR DEFECTIVE | MISSING PRELIMINARY HUD | XXX: RECEIVED | 06/25/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT | XXX: RECEIVED | 05/20/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | CONDO QUESTIONNAIRE MISSING OR DEFECTIVE | MISSING CONDO QUESTIONAIRE | XXX: RECEIVED CONFIRMATION SUBJECT PROPERTY IS NOT IN A JURISDICTION THAT REQUIRES SUPERCEDING LIEN | 05/22/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXX: RECEIVED | 06/25/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000077343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | CLOSING DOCUMENTATION MISSING OR DEFECTIVE | MISSING MORTGAGE OR DEED OF TRUST | XXX: RECEIVED | 07/10/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | CLOSING DISCLOSURE/SETTLEMENT StateMENT MISSING OR DEFECTIVE | MISSING PRELIMINARY HUD | XXX: RECEIVED | 07/22/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING CERTIFICATE OF GOOD STANDING | XXX: RECEIVED | 07/21/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING EMPLOYER IDENTIFICATION NUMBER | XXX: RECEIVED | 07/18/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXX: RECEIVED | 07/18/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE | MISSING VERIFICATION OF MORTGAGE | XXX: RECEIVED | 07/18/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | BACKGROUND REPORT AGED | XXX DAYS AGE BACKGROUND CHECK > XXX DAYS MAXIMUM ALLOWED FOR GUARANTOR: XXX | XXX: RECEIVED | 07/22/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT | XXX: RECEIVED | 07/22/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | NOTE MISSING OR DEFECTIVE | NOTE PAYMENT DISCREPANCY. PAYMENT PER NOTE REFLECTS: XXX WHICH IS THE INTEREST ONLY AMOUNT FOR SUBJECT LOAN. PROVIDED NOTE DOES NOT SPECIFY INTEREST ONLY LANGUAGE. PROVIDE NOTE AMENDMENT CORRECTING PAYMENT TO: XXX | XXX: RECEIVED | 08/13/2025 | D | A | C | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXX: RECEIVED | 08/13/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000098872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXX: RECEIVED | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | BACKGROUND REPORT AGED | XXX DAYS AGE BACKGROUND CHECK > XXX DAYS MAXIMUM ALLOWED FOR GUARANTOR: XXX | XXX: RECEIVED | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000099950 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | NO FINDINGS | The loan meets all applicable guidelines IN PRE-CLOSE REVIEW | C | A | A | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | DATA TAPE MISSING OR DEFECTIVE | DATA TAPE DISCREPANCY: DATA TAPE REFLECTS TAXES AS : $ XXX WHILE TAX BILL REFLECTS $ XXX. PLEASE PROVIDE UPDATED TAPE | XXX: RECEIVED | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | SUBJECT PROPERTY LEASE - MISSING OR DEFECTIVE | MISSING LEASE AGREEMENT FOR PROPERTY AT: XXX | XXX: RECEIVED | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | PROPERTY | HAZARD INSURANCE MISSING OR DEFECTIVE | MISSING HAZARD INSURANCE | XXX: RECEIVED | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | TITLE INSURANCE MISSING OR DEFECTIVE | MISSING EVIDENCE OF SATISFACTION OF LIENS TO SATISFY schedule B Part I ITEMS XXX TO XXX FOR ADMINISTRATIVE PENALTY FOR NON-COMPLIANCE INSPECTION | XXX: RECEIVED PRELIM HUD WITH PAYOFF | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | TITLE INSURANCE MISSING OR DEFECTIVE | MISSING EVIDENCE OF SATISFACTION OF JUDGMENT IN THE AMOUNT OF: XXX DATED: XX/XX/XXXX TO SATISFY schedule B Part I(XXX) | XXX: RECEIVED PRELIM HUD WITH PAYOFF | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | PAYOFF StateMENT MISSING OR DEFECTIVE | MISSING PAYOFF StateMENT | XXX: RECEIVED | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | VERIFICATION OR MORTGAGE MISSING OR DEFECTIVE | MISSING VERIFICATION OF MORTGAGE | XXX: RECEIVED | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | INSUFFICIENT ASSETS TO CLOSE | PROVIDED PRELIMINARY HUD REFLECTS XXX IN CASH TO BORROWER. PROVIDED TAPE REFLECTS REFINANCE NO CASH OUT. PLEASE PROVIDE UPDATED TAPE OR PRELIMINARY HUD | XXX: RECEIVED | 10/29/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | INSUFFICIENT ASSETS TO CLOSE | XXX LIQUIDITY < XXX MINIMUM REQUIRED. | XXX: RECEIVED | 10/29/2025 | D | A | C | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000099950 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | PROVIDED TAX CERT REFLECTS MONTHLY TAXES OF: $XXX. PROVIDED FIRST PAYMENT LETTER REFLECTS ESCROWED TAX AMOUNT OF: $XXX. PLEASE PROVIDE UPDATED TAX CERT OR FIRST PAYMENT LETTER | XXX: RECEIVED | 11/05/2025 | C | A | C | A | C | A | A | A | N/A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | C | C | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000100087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | INSUFFICIENT ASSETS TO CLOSE | XXX LIQUIDITY < XXX MINIMUM REQUIRED. | XXX: RECEIVED | 11/12/2025 | D | A | C | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000101476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | LOAN APPLICATION MISSING OR DEFECTIVE | MISSING DATED LOAN APPLICATION | XXX: RECEIVED | 11/06/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000101476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | GUARANTOR IDENTIFICATION MISSING OR DEFECTIVE | MISSING GUARANTOR ID | XXX: RECEIVED | 11/06/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000101476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | BACKGROUND CHECK MISSING OR DEFECTIVE | MISSING BACKGROUND CHECK | XXX: RECEIVED | 11/06/2025 | D | A | D | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000098872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXX: RECEIVED | 11/12/2025 | D | A | D | A | D | A | D | A | N/A | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | D | D | D | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | |||
| 4000101476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: EXEMPT | LOAN REVIEW COMPLETE | 02/02/2026 | RESOLVED | XXXX | CREDIT | NO FINDINGS | THE LOAN MEETS ALL APPLICABLE GUIDELINES IN POST-CLOSE REVIEW | D | A | A | A | D | A | A | A | N/A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | D | D | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A | A | A | A | N/A |