Exhibit 99.02 - Schedule 3
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 2125714 | C | A | A | A | C | A | A | A | Closed | FCOM7353 | 2026-01-18 23:52 | 2026-01-27 13:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received confirmation of the application date - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. - Seller-01/27/2026 Counter-**Received Initial 1003. Document alone does not resolve this finding. Lender to provide copy of internal compliance test results for review. - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. - Seller-01/21/2026 Open-Documentation provided does not include confirmation of the borrower’s application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-01/19/2026 |
Ready for Review-Document Uploaded. - Seller-01/27/2026 Ready for Review-Document Uploaded. - Seller-01/21/2026 |
Resolved-**Received confirmation of the application date - Due Diligence Vendor-01/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.19 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.19 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 2127864 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2132360 | D | A | B | A | D | A | A | A | Closed | FCOM1252 | 2026-02-11 15:40 | 2026-02-16 09:59 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Received Revised LE - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. - Seller-02/13/2026 Open-Missing Locked LE **** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. - Seller-02/13/2026 |
Resolved-Received Revised LE - Due Diligence Vendor-02/16/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2132360 | D | A | B | A | D | A | A | A | Closed | finding-3939 | 2026-02-11 15:16 | 2026-02-16 09:58 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received Revised LE - Due Diligence Vendor-02/16/2026 Resolved- - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. - Seller-02/13/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. - Seller-02/13/2026 |
Resolved-Received Revised LE - Due Diligence Vendor-02/16/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2132360 | D | A | B | A | D | A | A | A | Closed | finding-3634 | 2026-02-11 15:16 | 2026-02-16 09:58 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-02/16/2026 Resolved- - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. No increase in discount - Seller-02/13/2026 Open- - Due Diligence Vendor-02/12/2026 Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $xxx . Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. No increase in discount - Seller-02/13/2026 |
Resolved- - Due Diligence Vendor-02/16/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2132360 | D | A | B | A | D | A | A | A | Closed | finding-3631 | 2026-02-11 15:16 | 2026-02-16 09:58 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-02/16/2026 Resolved- - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. No increase in discount - Seller-02/13/2026 Open- - Due Diligence Vendor-02/12/2026 Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $xxx . Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/11/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. No increase in discount - Seller-02/13/2026 |
Resolved- - Due Diligence Vendor-02/16/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2132360 | D | A | B | A | D | A | A | A | Closed | finding-3632 | 2026-02-11 15:16 | 2026-02-16 09:58 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-02/16/2026 Resolved- - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. No increase in discount - Seller-02/13/2026 Open- - Due Diligence Vendor-02/12/2026 Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $xxx . Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/11/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. No increase in discount - Seller-02/13/2026 |
Resolved- - Due Diligence Vendor-02/16/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2132360 | D | A | B | A | D | A | A | A | Closed | FCRE1182 | 2026-02-11 01:11 | 2026-02-14 09:38 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/14/2026 Ready for Review-Document Uploaded. - Seller-02/13/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. - Seller-02/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2132360 | D | A | B | A | D | A | A | A | Closed | FCOM1231 | 2026-02-11 00:07 | 2026-02-14 09:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/14/2026 Ready for Review-Document Uploaded. - Seller-02/13/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. - Seller-02/13/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years |
Validated | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 2132361 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-02-13 09:58 | 2026-02-18 07:09 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. - Seller-02/17/2026 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 2132362 | D | A | A | A | C | A | D | A | Closed | FPRO1242 | 2026-02-13 10:07 | 2026-02-18 10:29 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 Open-Appraisal is Missing Third party valuation is missing. Per xxx guidelines, Loan amounts < $xxx = 1 Full Appraisal + CDA or FNMA CU Risk score of 2.5 or less - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. - Seller-02/17/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-02/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2132362 | D | A | A | A | C | A | D | A | Closed | FCOM3666 | 2026-02-13 09:25 | 2026-02-18 06:56 | Resolved | 1 - Information | C | A | Compliance | NMLS | Loan Originator NMLS Status is Not Active | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. Please see attached. LO is active in xxx - Seller-02/17/2026 Open-Loan Originator NMLS Status is Not Active per NMLS xxx licensee not active in ID - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. Please see attached. LO is active in xxx - Seller-02/17/2026 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 2151555 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-02-20 13:43 | 2026-02-27 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Newly closed Loan, Note, HOI and Entity documents provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Copy of Note for xxx # xxx/xxx against xxx which verified P&I of $xxx. 2) Copy of HOI for xxx which verified total premium amount of $xxx / 12 = $xxx 3) Copy of HOI for xxx which verified total premium amount of $xxx / 12 = $xxx 4) Copy of Operating Agreement/equivalent, Articles of Formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN - Seller-02/26/2026 Open-There is a VOM for the REO at xxx on pg xxx, but it is missing the the monthly P&I for this mtg. We are also missing the HOI policy showing the monthly pymnt amt. The prprty taxes are on pg xxx. Please provide the monthly P&I pymnt and HOI for this REO. We are also missing the HOI policy showing the monthly pymnt for xxx. - Due Diligence Vendor-02/20/2026 |
Ready for Review-Document Uploaded. Copy of Note for xxx # xxx/xxx against xxx which verified P&I of $xxx. 2) Copy of HOI for xxx which verified total premium amount of $xxx / 12 = $xxx 3) Copy of HOI for xxx which verified total premium amount of $xxx / 12 = $xxx 4) Copy of Operating Agreement/equivalent, Articles of Formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN - Seller-02/26/2026 |
Resolved-Newly closed Loan, Note, HOI and Entity documents provided - Due Diligence Vendor-02/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 2151555 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2026-02-20 15:37 | 2026-02-27 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided in additional Condition - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. - Seller-02/25/2026 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN - Due Diligence Vendor-02/20/2026 |
Ready for Review-Document Uploaded. - Seller-02/25/2026 |
Resolved-Entity documents provided in additional Condition - Due Diligence Vendor-02/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |||
| 2137514 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2151566 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2142502 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 2151569 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 2151567 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 2151568 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 |