MORGAN STANLEY CAPITAL I INC ABS-15G

Exhibit 99.5 - Schedule 6

 

Loan Number Seller Loan Number 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)
9979375 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/25/2025 Resolved 10638742199 Property Ineligible Property Missing evidence condo project does not require any major repairs. Provided condo questionaire references resolution letter dated: XXX XXX that a "full or partial evacuation of the building for XXX or more days is required to complete repairs" and that the project "has deficiencies, defects, substantial damage, or deferred maintenance" XX/XX/XXXX: Supporting documentation from the HOA uploaded 01/21/2026 XX/XX/XXXX: Received supporting documentation from the HOA 01/21/2026   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
9979375 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/25/2025 Resolved 10638736772 Property Ineligible Property Missing evidence project has not failed an inspection report or recertification. Provided questionaire does not answer questions and attached resolution letter does not spell out whether project was inspected XX/XX/XXXX: Supporting documentation from the HOA uploaded 01/26/2026 XX/XX/XXXX: Received supporting documentation from the HOA 01/21/2026   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
10084673 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/31/2025 Resolved XXXXX-1 Credit No 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
9979446 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/31/2025 Resolved 10882253805 Credit Title Insurance Missing or Defective Please provide evidence the property taxes have been paid as referenced in Schedule B, II, #XXX XX/XX/XXXX: Tax Statement uploaded 01/05/2026 XX/XX/XXXX: Tax Statement provided reflecting 1st installment paid on XX/XX/XXXX. 01/05/2026   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
9979616 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/05/2026 Resolved XXXXX-1 Credit No 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
10084950 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/05/2026 Resolved XXXXX-1 Credit No 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
10084766 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/06/2026 Resolved 10926696270 Credit Subject Property Lease - Missing or Defective Missing Main Unit and ADU Lease Agreements for subject property: XXX. XXX cannot be utilized since the loan amount is > XXX. XX/XX/XXXX: Lease uploaded 01/19/2026 XX/XX/XXXX: Received Lease 01/19/2026   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
10084771 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/06/2026 Resolved 10925902959 Credit Entity Documentation - Missing or Defective Missing Operating Agreement For XXX to determine ownership interest of each borrower. XX/XX/XXXX: Uploaded documentation proving sole ownership between husband and wife, and clarified usage of lowest FICO 01/26/2026 XX/XX/XXXX: Received documentation proving sole ownership between husband and wife, and clarified usage of lowest FICO 01/26/2026   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
10084731 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/09/2026 Acknowledged 10961304280 Property Ineligible Property – Square Footage Subject property square footage of XXX < XXX minimum square footage required XX/XX/XXXX: Exception Approval Uploaded 01/19/2026 XX/XX/XXXX: Received Exception Approval 01/19/2026 LTV under XXX% FICO XXX points above XXX Reserves > XXX month, Clean credit history, verifies XXX on all accts C B C B C A C B N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C 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
10084731 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/08/2026 Resolved 10948520389 Property Hazard Insurance Missing or Defective Hazard Insurance effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Please provide updated coverage effective on or before the disbursement date. XX/XX/XXXX: Updated settlement Statement uploaded 01/14/2026 XX/XX/XXXX: Updated settlement Statement received 01/14/2026   C B C A C A C B N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C 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
10084731 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/08/2026 Resolved 10948524839 Credit Guarantor Identification Missing or Defective Borrower's driver license expired XX/XX/XXXX. Please provide valid driver license. XX/XX/XXXX: New driver license uploaded 01/14/2026 XX/XX/XXXX: New driver license received 01/14/2026   C B C A C A C B N/A N/A C C C N/A C C C N/A C C C N/A C C C N/A C C 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
10090317 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/09/2026 Resolved XXXXX-1 Credit No 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
10084900 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/15/2026 Resolved 11013246941 Credit Entity Documentation - Missing or Defective Missing evidence of borrower's ownership interest in XXX, and his ability to use the assets in the XXX acct# XXX XX/XX/XXXX: Entity Documentation 01/16/2026 XX/XX/XXXX: Received Entity Documentation 01/16/2026   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
10090321 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/16/2026 Resolved XXXXX-1 Credit No 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
10084906 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/16/2026 Resolved XXXXX-1 Credit No 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
10084936 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/19/2026 Resolved XXXXX-1 Credit No 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
10084908 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/19/2026 Resolved XXXXX-1 Credit No 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
10084943 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/19/2026 Resolved 11043133365 Property Ineligible Property Missing evidence of rental listing and vacancy LOE for subject property: XXX XX/XX/XXXX: Vacancy LOE 01/28/2026 XX/XX/XXXX: Received vacancy LOE 01/28/2026   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
10090314 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/21/2026 Resolved XXXXX-1 Credit No 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
10084845 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/21/2026 Resolved 11061706432 Credit Title Insurance Coverage - Inadequate Coverage XXX Title Coverage < XXX minimum coverage required. Please provide updated Title Coverage XX/XX/XXXX: Title 01/28/2026 XX/XX/XXXX: Updated Title received 01/28/2026   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
10084753 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/22/2026 Resolved XXXXX-1 Credit No 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
10090325 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/22/2026 Resolved XXXXX-1 Credit No 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
9979412 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/22/2026 Resolved XXXXX-1 Credit No 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
10090313 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/27/2026 Resolved 11110218019 Property Appraisal Review - Missing Missing appraisal review (BPO) for subject property: XXX XX/XX/XXXX: BPO 01/28/2026 XX/XX/XXXX: Received BPO 01/28/2026   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
10084822 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/27/2026 Resolved 11110937407 Credit Sales Contract Missing or Defective Missing an Addendum to Purchase Agreement reflecting the purchase price of $XXX. XX/XX/XXXX: Addendum uploaded 01/28/2026 XX/XX/XXXX: Received Addendum 01/28/2026   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
10084800 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/27/2026 Resolved 11110560335 Credit Subject Property Lease - Missing or Defective Missing receipt of the 1st month's rent and security deposit for the new subject property lease: XXX XX/XX/XXXX: Certificate of Occupancy 01/27/2026 XX/XX/XXXX: Received Certificate of Occupancy 01/27/2026   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
10084930 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/26/2026 Resolved XXXXX-1 Credit No 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
9979402 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/26/2026 Resolved XXXXX-1 Credit No 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
10084962 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/26/2026 Resolved XXXXX-1 Credit No 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
10090313 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/27/2026 Resolved 11110180157 Credit Asset Documentation Missing or Defective Missing XXX% access letter from XXX, giving XXX full access to the funds in the joint XXX acct #XXX XX/XX/XXXX: Rescind in file 01/28/2026 XX/XX/XXXX: Rescind in file 01/28/2026   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
10084865 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/28/2026 Resolved 11125874129 Property Hazard Insurance Missing or Defective XXX Hazard Insurance Coverage < XXX minimum required. Please provide updated Hazard Insurance or replacement cost. XX/XX/XXXX: Client clarified replacement cost 02/12/2026 XX/XX/XXXX: Client clarified replacement cost 02/12/2026   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
10090315 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/29/2026 Resolved XXXXX-1 Credit No 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
10084957 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/29/2026 Resolved 11133158473 Credit Title Insurance Missing or Defective Missing proof of satisfaction of the delinquent taxes referenced on Schedule B, Items A and B XX/XX/XXXX: Uploaded Settlement Statement reflecting payment of delinquent taxes 01/30/2026 XX/XX/XXXX: Received Settlement Statement reflecting payment of delinquent taxes 01/30/2026   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
10084977 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/29/2026 Resolved XXXXX-1 Credit No 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
10084964 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/02/2026 Resolved 11164551401 Credit Guarantor Identification Missing or Defective Missing ID for the Borrower: XXX XX/XX/XXXX: Guarantor ID 02/06/2026 XX/XX/XXXX: Received Guarantor ID 02/06/2026   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
10084965 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/02/2026 Resolved 11164826465 Credit Guarantor Identification Missing or Defective Missing ID for the Borrower: XXX XX/XX/XXXX: Guarantor ID 02/06/2026 XX/XX/XXXX: Received Guarantor ID 02/06/2026   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
10090328 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/03/2026 Resolved 11174864375 Property Appraisal Review - Missing Missing appraisal review (BPO) for the Subject Property : XXX XX/XX/XXXX: BPO 02/09/2026 XX/XX/XXXX: Received BPO 02/09/2026   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
10090328 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/03/2026 Resolved 11174854840 Credit Entity Documentation - Missing or Defective Missing Operating Agreement for XXX to show borrower's ability to use the available funds in the XXX Bank acct# XXX XX/XX/XXXX: Uploaded proof of ownership in XXX 02/12/2026 XX/XX/XXXX: Received proof of ownership in XXX 02/12/2026   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
9979496 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/19/2026 Resolved XXXXX-1 Credit No 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
10084700 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/18/2026 Resolved 11306634372 Credit Insufficient Assets to Close XXX verified assets < XXX minimum required liquidity for closing costs and reserves. We're currently using the XXX #XXX retirement account are XXX% of the balance. Please provide additional assets. XX/XX/XXXX: Client confirmed XXX% of funds can be used 02/27/2026 XX/XX/XXXX: Client confirmed XXX% of funds can be used 02/27/2026   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
10084700 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/18/2026 Resolved 11306658996 Credit Non-Arms Length Transaction Seller's mortgage payment history reflects missed/late payments beginning in XXX through XXX Please provide an LOE from the seller and/or additional supporting documentation to support this not being a bailout. XX/XX/XXXX: The sellers’ liens has late payment but is NOT bailout. The prelim confirms no NOD’s have been filed he payment history shows the payments are LATE, and paid. At funding, the demand confirms the sellers’ payments were current, with no late fees, only XXX was due for the in-suspense balance. see attached. 02/27/2026 XX/XX/XXXX: Seller's Payoff Statement shows all late charges have been paid and UW supports that sale is not a bailout. 02/27/2026   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
10110045 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/23/2026 Resolved XXXXX-1 Credit No 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
10109992 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/28/2026 Resolved XXXXX-01 Credit No 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
10110014 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/28/2026 Resolved 11124337837 Credit Evidence of Primary Residence and Rent-Free Scenario Missing or Defective Missing Verification of Primary Housing. Please provide mortgage history or proof that borrower owns property free and clear XX/XX/XXXX: HELOC 02/02/2026 XX/XX/XXXX: VOM received 02/03/2026   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
10110041 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/04/2026 Resolved 11188464491 Credit Asset Documentation Missing or Defective Missing asset documentation XX/XX/XXXX: Assets documentation uploaded 02/06/2026 XX/XX/XXXX: Received asset documentation 02/06/2026   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
10109937 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/04/2026 Resolved XXXXX-01 Credit No 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
10109991 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/04/2026 Resolved XXXXX-01 Credit No 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
10109915 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 02/09/2026 Resolved XXXXX-01 Credit No 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
9857718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/14/2025 Resolved XXXXX-01 Credit No 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
9857709 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/20/2025 Resolved XXXXX-01 Credit No 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
9857664 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/01/2025 Resolved 10674017191 Property Hazard Insurance Missing or Defective Missing Hazard Insurance Policy Number for Subject Property: XXX #XXX XX/XX/XXXX: Policy number 12/08/2025 XX/XX/XXXX: Policy number received 12/08/2025   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
9857754 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/03/2025 Resolved XXXXX-01 Credit No 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
9857723 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/04/2025 Resolved 10703594562 Credit Deed Missing or Defective MISSING CONVEYANCE DEED from XXX and XXX to XXX. XX/XX/XXXX: Deed 12/15/2025 XX/XX/XXXX: Deed received 12/16/2025   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
9857669 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/05/2025 Resolved XXXXX-01 Credit No 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
9857732 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-01 Credit No 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
9857712 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/23/2025 Resolved 10841707396 Credit Loan Application Missing or Defective Loan Application is missing signature and date XX/XX/XXXX: Loan Application 12/24/2025 XXX:Loan Application 12/30/2025   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
10099608 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3520 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099605 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3521 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located :XXX XX/XX/XXXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099605 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3522 Property Appraisal Missing or Defective Missing Appraisal Report and XXX (Market Rent) for the property Located :XXX XX/XX/XXXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/10/2025   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
10099605 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3523 Property Flood Certification/Determination - Missing Missing Flood Certification for property located at: XXX XX/XX/XXXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/10/2025   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
10099605 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3524 Property Hazard Insurance Missing or Defective Missing Hazard Insurance for property located at: XXX XX/XX/XXXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/10/2025   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
10099602 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3525 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099609 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3526 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099610 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3527 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099599 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3528 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099599 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3529 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099606 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3530 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099615 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3531 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/10/2025   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
10099603 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3532 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099611 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3533 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099616 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3534 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/11/2025   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
10099600 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3535 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   D B D A A A D B 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 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
10099619 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3536 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/11/2025   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
10099607 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3537 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099604 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3538 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099604 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3539 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099620 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3540 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/11/2025   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
10099614 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3541 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/11/2025   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
10099601 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3542 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099617 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3543 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/11/2025   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
10099618 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/23/2025 Resolved XXXXX-3544 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/10/2025 XX/XX/XXXX: Received 12/11/2025   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
10099612 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/24/2025 Resolved XXXXX-3545 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099621 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/01/2025 Resolved XXXXX-3547 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/04/2025 XX/XX/XXXX: Received 12/08/2025   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
10099600 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/24/2025 Acknowledged XXXXX-3548 Property Appraisal Aged Appraisal dated > XXX days Maximum allowed per guidelines XX/XX/XXXX: Waived 12/10/2025 XX/XX/XXXX: Received Waiver 12/10/2025 Fico XXX DSCR XX/XX/XXXX D B C B A A D B 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 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
10099605 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/26/2025 Resolved XXXXX-3549 Credit Subject Property Lease - Missing or Defective Missing Evidence of Subject Property Lease agreement XX/XX/XXXX: Uploaded leases for review 12/10/2025 XX/XX/XXXX: Received 12/11/2025   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
10099604 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/24/2025 Resolved XXXXX-3550 Credit Excessive LTV Ratio LTV of 65% > XXX% maximum for Refi Cash Out with a Fico of XXX XX/XX/XXXX: Using the chart from underwriting guidelines section XXX - eligibility, this is a long term rental, with XX/XX/XXXX units, dscr is greater than XXX fico is between XXX-XXX, this is cash out refi so they are eligible for 70% LTV 12/10/2025 XXX:Borrower does not qualify for 70% LTV with a Fico of XXX per guidelines. Borrowers with a fico between XXX-XXX on a Refi Cash Out have a Max LTV of 60%. Borrower XXX-XXX qualify for a XXX% Max 12/11/2025   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
10099602 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 11/26/2025 Resolved XXXXX-3551 Credit Excessive LTV Ratio LTV of 75% > XXX% maximum for Refi Cash Out with a DSCR > XX/XX/XXXX XX/XX/XXXX: Using the chart from underwriting guidelines section XXX - eligibility, this is a long term rental, with XXX unit, dscr is less than XXX fico is XXX+, this is cash out refi so they are eligible for 75% LTV 12/10/2025 XX/XX/XXXX: Received updated guidelines. Borrower does not qualify for 75% LTV with a DSCR between XXX-XXX. Per guidelines the Max LTV for Cash-Out Refi is XXX% 12/12/2025   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
10099622 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3552 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   D B D A C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099647 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3553 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099623 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3554 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   D B D A C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099635 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3555 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099654 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3557 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099629 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3558 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099648 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3559 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099624 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3560 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/29/2025 XX/XX/XXXX: Received 12/29/2025   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
10099636 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3561 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099649 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3562 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099641 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3563 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   D B D A A A D B 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 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
10099641 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3564 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   D B D A A A D B 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 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
10099655 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3565 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099656 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3568 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099650 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3569 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099665 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3570 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099652 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3571 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099638 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3573 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3575 Property Appraisal Missing or Defective Missing Appraisal Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3576 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3577 Property Flood Certification/Determination - Missing Missing Flood Certification for property located at: XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3578 Property Flood Certification/Determination - Missing Missing Flood Certification for property located at: XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3579 Property Appraisal Missing or Defective Missing Flood Certification for property located at: XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3580 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3581 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3582 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3583 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099662 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3584 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099653 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3585 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099657 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3586 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099646 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3587 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099625 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3588 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099643 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3589 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099657 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3590 Credit Deed Missing or Defective Missing Warranty Deed from XXX to XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099660 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3593 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099660 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3594 Credit Credit Report Missing or Defective Missing Credit Report For Guarntor XXX : XXX XX/XX/XXXX: Not required For XXX 12/18/2025 XX/XX/XXXX: Not using borrower as the qualifing sponsor. 12/18/2025   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
10099661 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3595 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099661 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3596 Credit Credit Report Missing or Defective Missing Credit Report For Guarntor XXX : XXX XX/XX/XXXX: Not required For XXX 12/18/2025 XX/XX/XXXX: Not using borrower as the qualifing sponsor. 12/18/2025   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
10099639 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3597 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099632 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3598 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   D B D A A A D B 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 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
10099644 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3600 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099658 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3601 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099663 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3602 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099667 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3603 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099633 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3604 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   D B D A C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099634 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3607 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099645 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3608 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099651 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3610 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099669 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3611 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099670 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3612 Property Flood Certification/Determination - Missing Missing Flood Certification for property located at: XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099622 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/12/2025 Resolved XXXXX-3613 Credit Entity Documentation - Missing or Defective Evidence of Good Standing on file expired. Please provide updated evidence. XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   D B C A C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099670 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3614 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/18/2025 XX/XX/XXXX: Received 12/18/2025   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
10099641 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Acknowledged XXXXX-3615 Property Ineligible Property Property square footage of XXX < XXX sqft minimum required per guidelines XX/XX/XXXX: Waived 12/18/2025 XX/XX/XXXX: Waived 12/18/2025 Fico XXX DSCR < XX/XX/XXXX D B C B A A D B 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 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
10099632 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Acknowledged XXXXX-3616 Property Ineligible Property Property considered Rual property per guidelines XX/XX/XXXX: Waived 12/18/2025 XX/XX/XXXX: Waived 12/18/2025 DSCR XXX 70% LTV, XXX FICO D B C B A A D B 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 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
10099633 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Acknowledged XXXXX-3617 Credit Ineligible Property Property Value of XXX < XXX Minimum required XX/XX/XXXX: Waived 12/18/2025 XX/XX/XXXX: Waived 12/18/2025 Fico XXX DSCR < XX/XX/XXXX D B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099633 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Acknowledged XXXXX-3618 Credit Minimum Loan Amount Not Met Loan amount of XXX < XXX Minimum required XX/XX/XXXX: Waived 12/18/2025 XX/XX/XXXX: Waived 12/18/2025 Fico XXX DSCR < XX/XX/XXXX D B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099622 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Acknowledged XXXXX-3619 Credit Appraisal Aged Appraisal dated > XXX days Maximum allowed per guidelines XX/XX/XXXX: Waived 12/18/2025 XX/XX/XXXX: Waived 12/18/2025 Fico XXX Reserves XXX months + D B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099623 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Acknowledged XXXXX-3620 Credit Appraisal Aged Appraisal dated > XXX days Maximum allowed per guidelines XX/XX/XXXX: Waived 12/18/2025 XX/XX/XXXX: Waived 12/18/2025 Fico XXX Reserves XXX months + D B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099680 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3621 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099681 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3622 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099682 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3623 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099675 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3624 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   D B D A C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099671 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3625 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   D B D A C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099683 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3626 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099676 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3627 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099680 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3628 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099672 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3629 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   D B D A C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099680 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3630 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099673 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3631 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/29/2026 XX/XX/XXXX: Received 01/29/2026   D B D A C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099684 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3632 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099674 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3633 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/06/2026 XX/XX/XXXX: Received 01/06/2026   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
10099678 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3634 Credit Note Missing or Defective The Note contains variable-rate and index replacement language referencing a “Pre-Replacement Index and Margin”; however, the margin is not defined anywhere in the Note or any attached rider. XX/XX/XXXX: Uploaded 01/06/2026 XX/XX/XXXX: Received 01/06/2026   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
10099659 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3635 Credit Closing Documentation Missing or Defective Missing entire loan package XX/XX/XXXX: XX/XX/XXXX: Uploaded 01/06/2026 XX/XX/XXXX: XX/XX/XXXX: Received Executed documents missing appraisal, appraisal review etc 01/07/2026   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
10099677 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Resolved XXXXX-3636 Credit Closing Documentation Missing or Defective Missing entire loan package XX/XX/XXXX: XX/XX/XXXX: Uploaded 01/06/2026 XX/XX/XXXX: Received Executed documents missing appraisal, appraisal review etc 12/31/2025   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
10099671 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Acknowledged XXXXX-3637 Credit Appraisal Aged Appraisal dated > XXX days Maximum allowed per guidelines XX/XX/XXXX: Waiver Uploaded 12/31/2025 XX/XX/XXXX: Waived 12/31/2025 Fico XXX DSCR > XX/XX/XXXX D B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099672 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Acknowledged XXXXX-3638 Credit Significant Derogatory Credit Event – Requirement Not Met Borrower credit reports reflects XXX day lates > XXX wihtin the last XXX months XX/XX/XXXX: Waiver Uploaded 12/31/2025 XX/XX/XXXX: Waived 12/31/2025 Fico XXX DSCR > XX/XX/XXXX D B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099673 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Acknowledged XXXXX-3639 Credit Sales Contract Missing or Defective Subject property purchase price of $XXX < $XXX minimum required XX/XX/XXXX: Waiver Uploaded 12/31/2025 XX/XX/XXXX: Waived 12/31/2025 Fico XXX DSCR > XX/XX/XXXX D B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099675 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/18/2025 Acknowledged XXXXX-3640 Credit Significant Derogatory Credit Event – Requirement Not Met Borrower has significant litigation XX/XX/XXXX: Waiver Uploaded 12/31/2025 XX/XX/XXXX: Waived 12/31/2025 Fico XXX DSCR > XX/XX/XXXX D B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099685 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3641 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/26/2026 XX/XX/XXXX: Clear 01/26/2026   D B D A C A D B 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 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
10099685 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3642 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/26/2026 XX/XX/XXXX: Clear 01/26/2026   D B D A C A D B 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 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
10099685 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3643 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/26/2026 XX/XX/XXXX: Clear 01/26/2026   D B D A C A D B 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 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
10099685 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3644 Credit Title Insurance Coverage - Inadequate Coverage XXX title insurance coverage < XXX minimum coverage required XX/XX/XXXX: Uploaded all three HOI showing ample amount of coverage 12/31/2025 XX/XX/XXXX: CA is requesting updated title insurance to be suffcient 12/31/2025   D B C A C A D B 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 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
10099686 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3645 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/26/2026 XX/XX/XXXX: Clear 01/26/2026   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
10099691 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3648 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099688 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3649 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/26/2026 XX/XX/XXXX: Clear 01/26/2026   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
10099697 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3650 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099692 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3653 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099689 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3655 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099693 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3656 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099695 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3657 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099699 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3658 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099690 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Resolved XXXXX-3659 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 12/31/2025 XX/XX/XXXX: Received 12/31/2025   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
10099685 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/24/2025 Acknowledged XXXXX-3660 Property Appraisal Aged Appraisal dated > XXX days Maximum allowed per guidelines XX/XX/XXXX: Waiver Uploaded 12/31/2025 XX/XX/XXXX: Waived 12/31/2025 Fico XXX DSCR > XX/XX/XXXX D B C B C A D B 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 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
10099702 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3662 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099702 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3663 Credit Title Insurance Missing or Defective Tax tape amount is not matched with the tax bill the for the property : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099702 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3664 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099702 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3665 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099702 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3666 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099702 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3667 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099703 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3668 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099705 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3670 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099706 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3671 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099701 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3672 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099707 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3673 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/08/2026 XX/XX/XXXX: Received 01/08/2026   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
10099701 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3674 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099701 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3675 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099701 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/30/2025 Resolved XXXXX-3676 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/07/2026 XX/XX/XXXX: Received 01/07/2026   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
10099708 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3677 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099716 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3679 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099727 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3680 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099719 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3681 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099720 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3682 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099709 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3683 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099713 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3684 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099714 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3685 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099721 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3686 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099723 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3687 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099717 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3692 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099722 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3692 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099715 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3694 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099729 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3695 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099730 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3697 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099710 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/22/2026 Resolved XXXXX-3698 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   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
10099725 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3699 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099710 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/22/2026 Resolved XXXXX-3700 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   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
10099710 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/22/2026 Resolved XXXXX-3701 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   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
10099726 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3702 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099709 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3703 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099709 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3704 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099711 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3705 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099677 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/17/2025 Resolved XXXXX-3706 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/26/2026 XX/XX/XXXX: Clear 01/26/2026   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
10099659 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 12/10/2025 Resolved XXXXX-3707 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/09/2026 XX/XX/XXXX: Received 01/09/2026   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
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/12/2026 Resolved XXXXX-3708 Credit Closing Documentation Missing or Defective Missing entire loan package. XX/XX/XXXX: Uploaded 01/15/2026 XX/XX/XXXX: Received 01/14/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3751 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3752 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3753 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3754 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3755 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3756 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3757 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3758 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3759 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3760 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3761 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3762 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3763 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3764 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3765 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3766 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3767 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3768 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3769 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3770 Property Appraisal Review - Missing Missing Appraisal Review Report for the property Located : XXX XX/XX/XXXX: Uploaded 01/22/2026 XX/XX/XXXX: Clear 01/22/2026   D B D A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Acknowledged XXXXX-3771 Credit Hazard Insurance Missing or Defective Insurance Deductible is greater than the XXX% max allowed XX/XX/XXXX: Exception waiver in file 01/20/2026 XX/XX/XXXX: Waived 01/20/2026 Fico XXX DSCR > XX/XX/XXXX D B B B D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099718 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved XXXXX-3772 Credit Hazard Insurance Missing or Defective Hazard Insurance policy not effective with at least XXX months left in the current term per guidelines. Hazard Insurance effective dates XX/XX/XXXX - XX/XX/XXXX. Date of Origination: XX/XX/XXXX XX/XX/XXXX: Uploaded 02/04/2026 XX/XX/XXXX: Clear 02/04/2026   D B C A D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10099679 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved 40014060-3772 Credit No 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
10099712 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM Exempt Complete 01/20/2026 Resolved 40014060-3772 Credit No 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
10065752 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 10/16/2025 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 10/16/2025   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
10065747 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/11/2025 Acknowledged 18374515028 Credit Entity Documentation - Missing or Defective XXX (XXX% owner) of XXX not guaranteeing the loan. All loans should have executed personal guarantees from XXX% of the entity's ownership. XX/XX/XXXX: Based on management approval please waive based on the following compensating factors- XXX.) All guaranteeing members FICOs are above XXX.) Liquidity verified is XXX the required liquidity   XX/XX/XXXX: Waived 11/18/2025 XX/XX/XXXX months reserves, XXX x XXX x XXX 73.17% LTV C B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10065747 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/11/2025 Resolved 18375085965 Credit Payoff Statement Missing or Defective Payoff Letter in file is for XXX XXX XXX, our subject property is XXX XXX XXX. Please provide updated payoff letter. XX/XX/XXXX: Uploaded   XX/XX/XXXX: Clear 01/05/2026   C B C A C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10065755 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/17/2025 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 11/17/2025   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
10065779 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/25/2025 Acknowledged 10641122469 Credit Guaranty Missing or Defective XXX XXX (XXX% owner), XXX XXX (XXX% owner), XXX XXXXX (XXX% owner) of XXX not guaranteeing the loan. All loans should have executed personal guarantees from XXX% of the entity's ownership. XX/XX/XXXX: XX/XX/XXXX Management waived with compensating factors of XXX FICO & XXX the assets required   XX/XX/XXXX: Waived 12/01/2025 FICO XXX x XXX x XXX months reserves D B D B D B C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10065779 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 11/25/2025 Resolved 10641138470 Property Hazard Insurance Missing or Defective Only have insurance quote in file. Policy does not have the additional interested party, mortgagee clause and missing policy effective dates. XX/XX/XXXX: Uploaded   XX/XX/XXXX: Clear 12/09/2025   D B C A D B C A N/A N/A D D C N/A D D C N/A D D C N/A D D C N/A D D C N/A B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10065782 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/05/2025 Acknowledged 10712672851 Credit Excessive LTV Ratio 77.78% LTV > XXX% max allowed LTV, 80% LTC > 75% max allowed LTC, FICO: XXX - XXX Purchase, Subject Property located in XXX: XXX% leverage reduction XX/XX/XXXX: Please waive with compensating factors of XXX FICO, XXX DSCR & XXX   XX/XX/XXXX: Waived 12/11/2025 XXX FICO, XXX DSCR, XXX x XXX XXX C B C B C B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10065748 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/15/2025 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: 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
10065774 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/16/2025 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: 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
10065784 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/12/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 01/12/2026   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
10065771 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/19/2025 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 12/19/2025   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
10065764 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/22/2025 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 12/22/2025   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
10065761 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/22/2025 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 12/22/2025   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
10065758 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/23/2025 Acknowledged 10840962831 Credit Closing Disclosure/Settlement Statement Missing or Defective Lender needs to collect escrows at closing equal to the sum of XXX months of taxes and insurance: Did not collect Hazard Insurance escrows on HUD. XX/XX/XXXX: Waive with compensating factors of XXX & XXX FICO, 70% LTV with max XXX% available, and assets of >$XXX   XX/XX/XXXX: Waived 01/08/2026 FICO XXX 70% LTV, XXX x XXX x XXX D B C B D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10065758 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/23/2025 Acknowledged 10840973845 Credit Guaranty Missing or Defective Missing signed guaranty from XXX (XXX% owner of XXX which owns XXX% of XXX). All loans must have executed personal guaranties from XXX% of borrowing entity per guidelines. XX/XX/XXXX: Waive with compensating factors of XXX & XXX FICO, 70% LTV with max XXX% available, and assets of >$XXX   XX/XX/XXXX: Waived 01/08/2026 FICO XXX 70% LTV, XXX x XXX x XXX D B D B D B 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 B B A N/A B B A N/A B B A N/A B B A N/A B B A N/A
10065776 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/23/2025 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: 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
10065763 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 12/23/2025 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: 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
10065762 XXXXX XXX XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/05/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 01/05/2026   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
10065770 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/08/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 01/08/2026   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
10065769 XXXXX   XXXXX XX/XX/XXXX $XXXXXX XXX ATR/QM: Exempt Closed 01/12/2026 Resolved XXXXX Credit No Findings The loan meets all applicable guidelines. XX/XX/XXXX: Clear   XX/XX/XXXX: Clear 01/12/2026   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