Exhibit 99.04 - Schedule 2
| Exception Detail |
| Run Date - 05/08/2026 9:29:51 AM |
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | Exception | Exception Detail | Exception Information | Exception Remediation | Compensating Factors | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Final Loan Grade | Compliance Initial Loan Grade | Compliance Final Loan Grade | Property Initial Loan Grade | Property Final Loan Grade | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 1688823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568701 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Testing complete | 02/17/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 3 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1688848 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568759 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, the maximum XXXX for a cash out XXXXX loans when the XXXXX is XXXXXXXXXXX the maximum XXXX is XXXXXX XXXXX stacking it exceeded XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX requires XXX months reserves, borrower has XXXXXXX mo reserves. XXXXXXXXX has numerous mortgages all with a XXXXX rating. XXXX oldest is XXX months. XXXXXXXXX has a XXXX credit score when the minimum is XXXX for the program. | 02/25/2026 | B | 2 | XXXXXXXXXX | UT | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1688857 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568789 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXXX gift of equity on investment property. XXXX guidelines this would only be approved on a primary residence. | Client waived with compensating factors: residual income of XXXXXXX where XXXXX is required, XXXXXXXXX paid XXX months with no derogatory history, XXXXXXXXX has XXXX mid XXXXX where minimum is XXXXXX | 02/06/2026 | B | 2 | XXXXXXXXXX | VA | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1688857 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568790 | 445 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXXXXXXX borrower being self employed for less than XX years. XXXXXXXXX has been self employed XX year and XX months. | Client waived with compensating factors: residual income of XXXXXXX where XXXXX is required, XXXXXXXXX paid XXX months with no derogatory history, XXXXXXXXX has XXXX mid XXXXX where minimum is XXXXXX | 02/06/2026 | B | 2 | XXXXXXXXXX | VA | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1688875 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568826 | 319 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Seller Credit exceeds limit | XXXX the XXXXX guidelines, maximum seller contributions of XXX when subject property is a XXXX XXXXX XXX XXXXXX listing. XXXX subject loan closed with XXXXXXX XXXXXXXXXXXXXX of XXXXXXXXX | Exception approval received for seller contribution XXXXX XXXXXXXXXXXXX XXXXXXXX - XXXXXX XXXX minimum XXX | 02/25/2026 | B | 2 | XXXXXXXXXX | NY | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1688883 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568834 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | XXXX XXXXXXXX XX is missing from file. XXXXXXX provide, along with XXXX to re-record. | Information provided | 02/22/2026 | A | 1 | XXXXXXXXXX | WI | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1688886 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568838 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX shock exceeds max allowed of XXXXXXXX XXX management approval required. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required. XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXXX XXXX fico score where the minimum required is XXX | 03/02/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1688887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568839 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXXXXXXXX XXXXXXXXXXXXX minimum XXXX square feet. | Client waived with compensating factors: XXXXXXXXXXXX investors who owns primary residence free and clear. XXXX XXXXX where a minimum XXXX XXXXX required. XXXXXXXXXXXXXX in reserves where XXXXXXXXXXXX in reserves required. | 03/02/2026 | B | 2 | XXXXXXXXXX | SC | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1688895 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568851 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXX loan program require minimum flood insurance coverage in an amount equal to or greater than the subject loan amount. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX experience investor; currently owns XXX investment properties with XXX open mortgages paid XXXXXXX | 02/26/2026 | B | 2 | XXXXXXXXXX | LA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1688936 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568918 | 973 | XXXXXXXXXX | Compliance | Compliance | Compliance - CD- Other | XXX in file has a funded date of XXXXXXXXXX XXXXX did not close until XXXXXXXXXX XXXXXXX provide updated XXX with correct funded date. | Information provided | 02/24/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1688936 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568919 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | 02/23/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1688936 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568920 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXX that former mortgage was paid as agreed as last payments showed as XXXXXXXX and bridge loan occurred in XXXXXXXX | Documentation provided. | 02/24/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1688947 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568601 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX provided | 02/27/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1688964 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568612 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXX verification of employment prior to closing missing. | Received XXXX | 02/26/2026 | A | 1 | XXXXXXXXXX | GA | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1688975 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568622 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX required for self-employed borrower with less than a XXXXXXX history in the same business as required under the XXXXXXXXXXXXXXXXXX XXXX month XXXXX XXXXXXXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXXXXXX XXXXXXX months reserves when only XX months required, and XXXX fico score where the minimum required is XXXXX | 02/24/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1688975 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568623 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXXXXXX > the maximum XXXX as required for XXXXXX XXXXX XXXXXXXXXXX and with an XXXX XXXX > XXXX under the XXXXXXXXXXXXXXXXXX XXXX month XXXXX XXXXXXXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXXXXXX XXXXXXX months reserves when only XX months required, and XXXX fico score where the minimum required is XXXXX | 02/24/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1688977 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568624 | 258 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Completion Certification | XXXXXXXXXX made subject to. XXXXXXXXXXX report is missing verifying repairs have been completed. | Final inspection received. | 02/26/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1688977 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568625 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XX months reserves required per program. XXXXXXXXX has XX months of reserves. | Exception approval received for XX months reserves. XXXXXXXXXXXXX XXXXXXXX - XXXXXX XXXX minimum XXXXX residual income XXXXXXXX XX year history of XXXX | 02/27/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | C | A | Non-QM | 1 | |||||||
| 1688986 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568635 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXXX length of self employments less than XX years. XXXXXXXXX opened XXXXXXXXX | Client waived with compensating factors: XXX months reserves where XX are required, XXXXXXXXXXXX in residual income where XXXXXXX is required, XXXXX scores of XXXXX XXXXX and XXXX where XXXX is required. | 02/25/2026 | B | 2 | XXXXXXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1688987 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568636 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX properties require XXXXX XXXXXXXXXXX approval. XXXXXXXX is rural. | Exception approval received for XXXXXX property. XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required and XXXX of XXXX where the max allowed is XXXXXX | 02/25/2026 | B | 2 | XXXXXXXXXX | AZ | 2 | 1 | D | B | D | B | A | A | C | B | Non-QM | 1 | |||||||
| 1688987 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568637 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXX requires minimum of XX years XXXXX XXXXXXXXX history. XXXXXXXXX has less than XX years which requires XXXXX XXXXXXXXXXX approval. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required and XXXX of XXXX where the max allowed is XXXXXX | 02/25/2026 | B | 2 | XXXXXXXXXX | AZ | 2 | 1 | D | B | D | B | A | A | C | B | Non-QM | 1 | |||||||
| 1688992 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568641 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX property is new construction in a declining market. | Client waived with compensating factors: XXXX XXXXX where a XXXX XXXXX required. XXXXXXXXX XXXX where a XXXX XXXX allowed. XXXXXXXXXXXX reserves required where brw presents XXXXXXXXXXXXX in reserves. | 03/03/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1688992 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568642 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXX time homebuyer with only XX open accounts and one with balance payments where guidelines require XX tradelines. | Client waived with compensating factors: XXXX XXXXX where a XXXX XXXXX required. XXXXXXXXX XXXX where a XXXX XXXX allowed. XXXXXXXXXXXX reserves required where brw presents XXXXXXXXXXXXX in reserves. | 03/04/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1688998 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568647 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX within XXX days of closing missing per program requirements. | Received XXXX | 03/02/2026 | A | 1 | XXXXXXXXXX | NV | 1 | 1 | D | B | D | A | A | A | C | B | Non-QM | 1 | |||||||
| 1688999 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568649 | 884 | XXXXXXXXXX | Credit | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 02/25/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1688999 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568650 | 898 | XXXXXXXXXX | Credit | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided | 02/25/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1689008 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568659 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXX is missing XXXX required for XXXXXX | Received XXX | 03/03/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1689014 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568663 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, a minimum of XX months reserves is required. XXXXXXXXX is short for XX months reserves. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXXXXXXXX in residual income is needed. XXXXXXXXX has XXXXXXXXXXXXX in residual income. XXXXXXXX mortgage is XXXXXXXXXX XXXXXXXXX has been XXX years in current residence. | 02/26/2026 | B | 2 | XXXXXXXXXX | CO | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1689018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568667 | 316 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Liquidation | XXXXXXXX no proof of liquidation of retirement account required, borrower has XXXXX of assets needed for closing. | Client waived with compensating factors: XXX months reserves where XX were required, residual income of XXXXXXXXX where XXXXX is required, XXXXX of XXXXXXXX where XXXX is required. | 03/02/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1689020 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568668 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 02/25/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1689020 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568669 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXX XXXXX XXXXX fee in XXXX XX of the XXXXX XXXXX XXXX XXXX for this date does not give a valid explanation for this increase. XXXXXXXXXX amount is XXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, all within XXX days of consummation XXXXXX | Information provided | 02/25/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1689021 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568670 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower's credit report and the fraud report are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 02/26/2026 | A | 1 | XXXXXXXXXX | MO | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1689025 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568677 | 1018 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employed verify business | XXXXXXX the business existence within XXX calendar days prior to the note date as required per guidelines when using self-employment income to qualify. | Received business XXXX | 02/26/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1689653 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8781299 | 423 | XXXXXXXXXX | Credit | UW Collateral | UW Collateral - UW - Appraisal Correction/Clarification | XXXX subject closed as a refinance, however the borrower was not listed as the owner of record on the appraisal report. XXXXXXXXXX shows the owner of public record as XXXX XXXXX of XXXXXXXX | Title reflects owners of property are borrowers. XXXXXXX waived appraiser's correction of owner to appraisal. | 03/14/2026 | A | 1 | XXXXXXXXXX | TX | 3 | 3 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691793 | XXXXXXXXXXX | XXXXXXXXXXX | 9513953 | 327 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Rental | XXXXXXXXXXX for the XXXXX loan program require a XXX month rental history with verification provided by a XXXX and evidence of payments if paid to a private landlord. XXXX borrower provided only XX of the required XXX receipts for evidence of XXX months payment history. | Received additional XX months rental receipts | 01/29/2026 | A | 1 | XXXXXXXXXX | AL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691793 | XXXXXXXXXXX | XXXXXXXXXXX | 9513954 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXX loan program require a borrower closing in an XXXXXXX to provide XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXX granting authority of signer to enter into a loan obligation. XXX evidence of signing authority was provided. | Received XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXX granting authority of signer to enter into a loan obligation. | 01/29/2026 | A | 1 | XXXXXXXXXX | AL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691793 | XXXXXXXXXXX | XXXXXXXXXXX | 9513955 | 327 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Rental | XXXXXXXXXXX for the XXXXX loan program allow a borrower paying rent in cash with a private XXXX to provide evidence of a lease and the most recent XXX months rent verification. XXX exception was granted to allow the borrower with a private XXXX to provide the XXX most recent months handwritten reciepts, a XXXX for paying in cash, and a lease agreement. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX over XXXXXXXX experienced investor-owning at least one investment property over XX years. | 01/29/2026 | B | 2 | XXXXXXXXXX | AL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691794 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513956 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXXXXXXXXX for the XXXXX loan program reflect a maximum XXXX XXXX for a XXXXXXXXXX refinance for XXXX properties. XXXX subject loan XXXX is XXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXX where the guideline minimum is XXXXX XXXXXXXXX investor; XXXXXXXXX of XXXXXXXX where the guideline minimum is XX months, and residual income of XXXXXXXXXXXXX where the guideline minimum is XXXXXXXXX | 03/05/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 3 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691794 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513957 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXXX for the XXXXX loan program require all XXXXXXXXXXXXXXXX condominiums to be approved by XXXXXXX XXXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXX where the guideline minimum is XXXXX XXXXXXXXX investor; XXXXXXXXX of XXXXXXXX where the guideline minimum is XX months, and residual income of XXXXXXXXXXXXX where the guideline minimum is XXXXXXXXX | 03/05/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 3 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691794 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513958 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXXXXX for the XXXXXXXXX XXXXXXX XXXXXXXXXXXXXX loan program require a verbal XXXX be completed. XXX XXXX was provided. | Received XXXX | 03/05/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 3 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691794 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513960 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXX evidence borrower has been self-employed for a minimum of XX years and the business is currently still active. | Received XXXX search as currently active since XXXX | 03/05/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 3 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691796 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513963 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX from refinance of XXXX XXXXX reflecting net proceeds minimum XXXXXXXXXX missing from the file. | Received XXX with proceeds of XXXXXXXXX | 03/11/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691796 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513964 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXXXX XXXXXX XXXX XXXXXX XXX is free and clear missing from the file. | Received XXXXXXX report with no mortgage | 03/11/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691796 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513965 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXXXX of new XXXXXX for XXXX XXXXX XXX XXXXXXXXXXX missing from the file. XXXXXXXX XXXXXXXXXXXXX refinance with subject transaction). | Received XXX with payment of XXXXXXX | 03/11/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691796 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513966 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXX XXXX within XXX days of closing missing from the file. | Verification dated XXXXXXXXXX provided XXXXX date XXXXXXXX | 03/12/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691798 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513968 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXX XXXXX of XXXX does not meet the guideline maximum requirement of XXXX with a qualifying XXXXX of XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX employed in the same line of business for XX years where the guideline minimum is XX years; XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline requirement is XXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX | 03/24/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1691798 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513969 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX subject property was noted as a single family dwelling with XX XXXXXXXX XXX XXXXXXXXXXX XXXXXXXXX was noted on submission form, however was not listed on the final approval. XXXXXXXX updated final approval for the unique dwelling as the property contains XX XXXXXXX | Exception approval received for XX XXXXXX on subject property. XXXXXXXXXXXXX XXXXXXXXX XXXXX employed in the same line of business for XX years where the guideline minimum is XX years; XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline requirement is XXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX | 03/25/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1691799 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513972 | 270 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Satisfactory 2nd Appraisal Report | XXXXXXXX XXXX XXXXX XXXXXXXXXX XXXXXXX required on all XXXXX unit properties where the loan amount exceeds XXXXXXXXXXXXXXXX XXXX loan amount for the subject property is XXXXXXXXXXXXXXX | Received XXXX full appraisal | 03/02/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1691799 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513974 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX appraisal is missing the rent roll for the subject property. XXXXXX the guidelines the appraisal for a XXXXX unit properties, a rent roll is required as an an attachement to the appraisal for the units in the subject property. | Sr XXXXX approved not using the rent roll from the appraisal | 03/03/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1691803 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513980 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXXXXXXX cash flow program requires minimum tradelines of XX XXXXXXXXXXXXX XXXXXXXXX year history. XXXXXXXXX has only XX active tradeline that is not an authorized user account. XXXXXXXXXX approval in file for limited credit history. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXXX required, XXXXX of XXXXXX when only XXXXX is required and XXXX fico score where the minimum required is XXX | 02/20/2026 | B | 2 | XXXXXXXXXX | OH | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691804 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513981 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX use properties require senior management approval. XXXXXXXX in file for mixed use property. | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX all mortgages paid as agreed, all credit paid as agreed, XXXXXXXX in residual income when XXXXXXX required, XXXXXXX XXXX when max allowed is XXXXX | 03/05/2026 | B | 2 | XXXXXXXXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513982 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXXX approval for use of appraisal not completed by XXXX approved XXXX and property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months XXXXXXXXXXXXX fico score where the minimum required is XXX | 02/20/2026 | B | 2 | XXXXXXXXXX | SC | 3 | 13 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513983 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXXX seasoning less than XXX months requires XXXXX XXXXXXXXXXX approval. | Received XXXX from lender regarding foreclosure comments was not for mortgage but for delinquent taxes. XXX foreclosure appears on title | 02/24/2026 | A | 1 | XXXXXXXXXX | SC | 3 | 13 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513984 | 395 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Derogatory Credit explanation required | XXXX sitexpro borrowers XXXX did a foreclosure sale of subject property XXXXXXXXXXXXX XXXXXXX of explanation and foreclosure documents required. | Received XXXX from lender regarding foreclosure comments was not for mortgage but for delinquent taxes. XXX foreclosure appears on title | 02/24/2026 | A | 1 | XXXXXXXXXX | SC | 3 | 13 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513985 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXXXXXXX XXXX > XXXX XXXX maximum for fixed income borrowers per guidelines. | Exception approval received for XXXX XXXXXXX XXXXXXXXXXXXX XXXXXXXX - XXX months reserve - XX months required, score XXXX - minimum XXX | 02/27/2026 | B | 2 | XXXXXXXXXX | AL | 1 | 1 | C | B | C | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513986 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXXXX evidence that the borrower's primary housing payment was paid satisfactory XXXXXXXX for the XXXXXXXX XXXXX payment, as required per guidelines under the XXXXXXXXXXXXXXXXXX XXXXX XXXX XXXXXXXXX | Received mortgage statement with XXXX payment due | 02/27/2026 | A | 1 | XXXXXXXXXX | AL | 1 | 1 | C | B | C | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513987 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX credit report provided in file is expired. XXXX credit report is dated XXXXXXXXXXX and the subject loan closed XXXXXXXXXX which is XXX days aged > XXX day aged at funding maximum per guidleines. | Exception approval received for credit report over XXX days. XXXXXXXXXXXXX XXXXXXXX - XXX months reserve - XX months required, score XXXX - minimum XXX | 02/27/2026 | B | 2 | XXXXXXXXXX | AL | 1 | 1 | C | B | C | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513988 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX the appraisal report, there are exposed wires at the back door (see photo on appraisal). XXXXX would pose a safety concern, provide a XXXXXX or satisfactory documentation to verify the issue has been rectified as required per guidelines no health or safety issues should be noted by the appraiser. | Received final inspection | 02/27/2026 | A | 1 | XXXXXXXXXX | AL | 1 | 1 | C | B | C | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513989 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received | 02/27/2026 | A | 1 | XXXXXXXXXX | AL | 1 | 1 | C | B | C | B | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513992 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXXX has less than XX years XXXXX employment history which requires XXXXX XXXXXXXXXXX approval. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | 03/05/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513993 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX XXXXX within XXX days of closing. | Self employment XXXXX must be obtained with XXX calendar days of note date. XXXXX dated XXXXXXX and note XXXXXXX | 03/05/2026 | A | 1 | XXXXXXXXXX | GA | 1 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513995 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX XXXX XXXXXXXXXXX are subject to XXXXXXX XXXXXXXXXXX approval for all loan programs. XXXXXXXXXX approval in file to allow mixed use property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXX of XXXXX where XXXXX is minimum, and XXXX fico score where the minimum required is XXX | 03/03/2026 | B | 2 | XXXXXXXXXX | WI | 3 | 1 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513996 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, a borrower must have XX tradelines with XX active and those active must have activity in the past XXX months. XXXXXXXXX only has XX trade with activity in the past XXX months. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX is XX and the loan XXXXX is XXXXXXX XXX reserves are required. XXXXX reserves are XXXXXXX months. XXXXXXXX XXXX is XXXXXX XXXXX XXXX is XXXXXXXX | 03/20/2026 | B | 2 | XXXXXXXXXX | MO | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691815 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513999 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXXXX evidence of satisfactory mortgage payments for the borrower's primary residence for the months XXXXXXXX and XXXXXXX as required per guidelines mortgage ratings are required on properties the borrower owns. | Received XXXXX approval for no other mortgage payments required. | 02/24/2026 | A | 1 | XXXXXXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691818 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514002 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, the mortgage history must be XXXXXXXXXX XXXXX expired XXXXXXXXX and no payments have been made since then. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX on primary mortgage. XXXX score when a minimum of XXXX is needed for up to XXXX XXXXXX XXXXXXXXX reserves is XX months. XXXXXXXXX has XXXXXXX months reserves. | 04/07/2026 | B | 2 | XXXXXXXXXX | WA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514007 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, you cannot be a XXXXXXXX XXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXX is not a XXX resident. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX rent history. XXXX of XXXXXXX when the maximum is XXXXXX XXX XXXXXXX since XXXXXX | 03/27/2026 | B | 2 | XXXXXXXXXX | MO | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514008 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, XX months reserves are required. XXXXXXXXX does not have them. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX rent history. XXXX of XXXXXXX when the maximum is XXXXXX XXX XXXXXXX since XXXXXX | 03/27/2026 | B | 2 | XXXXXXXXXX | MO | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691821 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514009 | 433 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Short funds to close | XXXXXXXXX is short funds to close. XXXX is XXXXXXXXXXXXXX but verified assets are XXXXXXXXXXXXX | Received funds verification of XXXXXXXXX | 03/28/2026 | A | 1 | XXXXXXXXXX | MO | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514011 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, a non-warrantable condo must have a minimum of XXX replacement reserves. XXXXXXXX does not have that. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX is XXXXXX XXXXXX XXXX is XXXXXXXXXX XXXXX mortgage history is XXXXXXXXXX XXXXXXXXX reserves is XX months. XXXXXXXXXX have XXXXXXXX months reserves. | 02/12/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514013 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX are a XXXXX time investors. XXXXXXXX is using short term rental to qualify. XXX per XXXXXXXXX guidelines, a XXXXX time investor cannot use short term rental income. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX months reserves are required. XXXXXXXXXX have XXXXXX months reserves. XXXXXXXXX income of XXXXXXX is required. XXXXXXXXXX have XXXXXXXXXXX in XXXXXXXXX income. XXXXX XXXXXXXXX history is XXXXXXXXX | 03/05/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691825 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514014 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXX of XXXXXXX mortgage payment for XXXXXXXXXXX XXXXXX | Received XXXXX payment | 03/25/2026 | A | 1 | XXXXXXXXXX | IL | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691827 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514015 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 03/06/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691834 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514322 | 435 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit report is expired | XXXXXXXX updated credit report. XXXX credit report is over the max age of XXX days from the XXXXX date. XXXX credit report in the file is XXXXXXXXXXX and the XXXXX date is XXXXXXXXX which is XXXX days old. | Received approval for credit report over XXX days. XXXXXXXXXXXXX XXXXXXXX - score XXXX minimum XXXXX XXXXX XXXXXX minimum XXXXXXX XXXX months reserve minimum XX months | 04/09/2026 | B | 2 | XXXXXXXXXX | KY | 3 | 13 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514323 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXX maximum XXX acres. | Client waived with compensating factors: XXXX in rural area per appraisal. XXXXXXXX XXXX XXXXXX a XXXX XXXX allowed. XXXX XXXXX where a XXXX XXXXX allowed for a XXXX XXXXXX | 03/02/2026 | B | 2 | XXXXXXXXXX | HI | 1 | 1 | C | B | A | A | A | A | C | B | Non-QM | 1 | |||||||
| 1691836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514324 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX excluded XXXXXXX lease XXXXXXXXX XXX proof someone else pays or why it was excluded. | Updated loan approval provided included XXXXXXX payment XXXXXXXXXXXXXX XXXX increased to XXXXXXXX still within guidelines | 03/06/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514325 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX excluded XXXXXXX lease XXXXXXXXX XXX proof someone else pays or why it was excluded | Updated loan approval provided included XXXXXXX payment XXXXXXXXXXXXXX XXXX increased to XXXXXXXX still within guidelines | 03/06/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514326 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge loan XXX received. | 03/03/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514330 | 374 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Evidence of legal residency | XXXXXXXX copies of foreign XXXXXXXXX and unexpired XXX XXXXX to confirm residency as a XXXXXXXXXXXXXX XXXXXXXXX XXXXX | Received passport and XXXX | 03/12/2026 | A | 1 | XXXXXXXXXX | PA | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514331 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXXXXX XXXXXXXXX XXXXXX is not eligible under the XXXXX XXXXX XXXXX XXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX cash down payment XXXX post-closing reserves of XXX months XXXX XXXXX of XXXXXXXX | 03/11/2026 | B | 2 | XXXXXXXXXX | PA | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514332 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXX is not eligible for financing for rental units under XXXX square feet. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX cash down payment XXXX post-closing reserves of XXX months XXXX XXXXX of XXXXXXXX | 03/11/2026 | B | 2 | XXXXXXXXXX | PA | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691842 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514334 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower's and co-borrower's credit reports are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 03/12/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691843 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514335 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX utilities must be working and operational at the time of appraisal inspection. XXXXXXXXX in file to allow water off at time of original appraisal and reinspection. | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXXX XXX months reserve when XXX months required, XXXX XXXXX when the minimum requirement is XXXXX | 03/18/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691844 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514336 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX XXXX exceeds the guideline maximum of XXXX for a XXXXXX XXXXX XXXXXXXXXXXX XXXX borrowers XXXX is XXXXXXXXXX | Client waived with compensating factors: XXXX residual income is XXXXXXXXXXXX and the required residual income is XXXXXXXXX XXXX XXXXX is XXXX and the required XXXXX is XXXXXX XXXX reserves are XXXXXXXXXXXXX or XXX months, and the required reserves are XX months. | 03/11/2026 | B | 2 | XXXXXXXXXX | IL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691845 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514337 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX required for non-arm's length transaction where the subject property is not a primary residence as required per guidelines. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XXX months required, seasoned investor, and XXXX fico score where the minimum required is XXXXX | 03/04/2026 | B | 2 | XXXXXXXXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691845 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514338 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for XXXXX XXXXXX < XXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XXX months required, seasoned investor, and XXXX fico score where the minimum required is XXXXX | 03/04/2026 | B | 2 | XXXXXXXXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691846 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514339 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX use properties approved by XXXXXXX management. | Client waived with compensating factors: XXXX XXXXX where a minimum XXXX XXXXX required. XXXX refi brw has own property for XXX months all units have lease agreements in file. XXXXX XXXXXX where a XXXXX of XX is required. | 03/25/2026 | B | 2 | XXXXXXXXXX | PA | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691847 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514340 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for cash out XXXXXXXXXXXXXX > XXXXXXXXXX with XXXX XXXX > XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXXX where the minimum required is XXXXXX XXXXXXXX current primary mortgage payment history, XXXX fico score where the minimum required is XXXXX and experienced investor. | 03/25/2026 | B | 2 | XXXXXXXXXX | MI | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691848 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514341 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received | 03/11/2026 | A | 1 | XXXXXXXXXX | SC | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514342 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX loan amount for a XXXX XXXXXXXXX purchase is XXXXXXXXXXXX XXXXXXXXX in file for XXXXXXXXX loan amount. | Client waived with compensating factors: XXXX mortgages paid as agreed, experienced investor, XXXXX XXXXXX when the minimum requirement is XXXXXXXX XXX months reserve when XX months required. | 03/16/2026 | B | 2 | XXXXXXXXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691849 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514343 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXXX length transactions require XXXXXXX XXXXXXXXXXX XXXXXXXXXXX XXXXXXXXX in file. | Client waived with compensating factors: XXXX mortgages paid as agreed, experienced investor, XXXXX XXXXXX when the minimum requirement is XXXXXXXX XXX months reserve when XX months required. | 03/16/2026 | B | 2 | XXXXXXXXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691850 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514344 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XX cash out letter is required to determine the use of the cash out funds. | Received XXXX for cash out. | 03/03/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514346 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX properties require at least XX months' rent loss coverage. XXXXXXXX has XXXXXX months' coverage. XXXXXXXXXX approval in file allowing for less than XX months' rent loss coverage. | Client waived with compensating factors: XXXXXXX file dating back to XXXXXX experienced investors, previous mortgage history paid as agreed, all properties owned free and clear, XXXX XXXX when the max allowed is XXXXX rental income not used to qualify, XXX months reserve when the minimum requirement is XX months. | 03/09/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691853 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514350 | 322 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Minimum FICO | XXXXXXX report for XXXXXXXX XXXXXXX is missing. | Received credit report for XXXXXXX | 03/04/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691856 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514351 | 357 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Cash Back Exceeds Limit | XXXX cash back exceeds the max cash allowed under the XXXXXXXXX XXXXX XXXXX no cash-out-refinance program. XXXX guideline states the lower of XXX or XXXXXXXX in cash back to the borrower. XXXX final closing disclosure reported XXXXXXXXXXXXX going back to the borrower at closing. | Exception approval received for cash out XXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXX - XXX months cash reserves- XXXX XX months, XXXXXXXXX XXXXXX XXXXX min XXXXX XXX years credit depth- XXX months minimum | 03/09/2026 | B | 2 | XXXXXXXXXX | OR | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691857 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514352 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXXXX the verification of payments on subject property loan with XXXXXXXX XXXXX XXXXXXXXXX for as described in the payoff at XXXXXXXXXXXX per month. XXXXXXX submit verification of satisfactory payments for the most recent XXX months. | Received XXX | 03/05/2026 | A | 1 | XXXXXXXXXX | OR | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691857 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514353 | 357 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Cash Back Exceeds Limit | XXXX cash back exceeds the max cash allowed under the XXXXXXXXX XXXXX XXXXX no cash out refinance program. XXXX guideline states the lower of XXX or XXXXXXXX in cash back to the borrower. XXXX final closing disclosure reported XXXXXXXXXXXXX going back to the borrower at closing. | Exception approval received for cash out XXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXX - XXX months cash reserves- XXXX XX months, XXXXXXXXX XXXXXX XXXXX min XXXXX XXX years credit depth- XXX months minimum | 03/09/2026 | B | 2 | XXXXXXXXXX | OR | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691859 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514355 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX XXXXXXX loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 03/20/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1691859 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514356 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXX borrower self-employment history less than XX years. | Client waived with compensating factors: residual income of XXXXXXXXXXXX where XXXXXXX minimum is required, XXXXX scores of XXXXXXXX where XXXX is the minimum. XXXXXXXXXX are experienced homeowners. | 03/20/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1691859 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514357 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX property in a declining market on appraisal. | Client waived with compensating factors: residual income of XXXXXXXXXXXX where XXXXXXX minimum is required, XXXXX scores of XXXXXXXX where XXXX is the minimum. XXXXXXXXXX are experienced homeowners. | 03/20/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1691860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514359 | 321 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | XXXXXXXX trade line requirements XX XXXXXXXXXXXXX active / XX year history. XXXX has XXX year history with XX tradelines, XX active. | Client waived due to compensating factors: XXXX XXXXX where XXXX XXXXX required. XXXXXXXXX XXXX where a XXXX XXXX max required. XXXXXXXX reserves required where XXXXXXXXXX reserves provided. | 03/05/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1691860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514360 | 379 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Letter of Explanation | XXXX gives no housing history other than living rent free on XXXXXXX XXXXXXXX shock due to living rent free. | Client waived due to compensating factors: XXXX XXXXX where XXXX XXXXX required. XXXXXXXXX XXXX where a XXXX XXXX max required. XXXXXXXX reserves required where XXXXXXXXXX reserves provided. | 03/05/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1691860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514362 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 03/16/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1691863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514366 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX payment shock XXXXX XXXXX approval in file for payment shock > XXXXX | Client waived with compensating factors: XXXXXXXXX homeowner, XXXX XXXXX when the minimum requirement is XXXXX XXXX XXXX when the max allowed is XXXXX XXXX months reserve when the minimum requirement is XXX months. | 03/24/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691863 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514367 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXXXX XXXXXXXXXX must be self-employed minimum XX years. XXXXXXXXX in file for XXXXXXXXX XXXX with current business < XX years. | Client waived with compensating factors: XXXXXXXXX homeowner, XXXX XXXXX when the minimum requirement is XXXXX XXXX XXXX when the max allowed is XXXXX XXXX months reserve when the minimum requirement is XXX months. | 03/24/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514369 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXX information is required to be disclosed on the XXXXX when the XXXXX < XXXXXXX XXXX XXXXX does not reflect the employmetn information. | Received XXXXX with employment info | 03/26/2026 | A | 1 | XXXXXXXXXX | SC | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514373 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received. | 03/03/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691869 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514374 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX exceeds the guideline maximum of XXXX for borrowers qualifying using fixed income. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the guideline maximum is XXXXX XXXXXXXXXXX XXXXX of XXXX where the minimum for the XXXX is XXXXX and borrowers have owned their departure residence for XXXX years with a XX x XXX payment history. | 03/04/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514377 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX shock over XXXXXX requires XXXXX XXXXXXXXXXX approval. XXXXXXXX shock is at XXXXXX | Exception approval received for payment shock. XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXX XXXX fico score where the minimum required is XXXXX XXXX of XXXX where the max allowed is XXXXX | 03/26/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514379 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX bridge loan closing disclosure for borrower's current primary residence. | Received XXX for bridge loan on primary home. | 03/26/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691874 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514381 | 357 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Cash Back Exceeds Limit | XXXXX XXXXX of XXXXXXXXXXXXXX exceeds the maximum allowed of XXXXXXXXXX on the XXXXX XXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXX where the guideline minimum for the tier is XXXXX XXXXXXXXX of XXXXXXX months where guideline minimum is XXX months; and XX * XXX XXXXXXXXX payment history. XXXXXXXXX XXXXXXXXXX | 03/10/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691874 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514382 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX exceeds guidelines. XXXX XXXX XXXX for a XXXXX XXXXX unit with loan amount > XXXXXXXXXXXX is XXXXXX | Received exception approval for XXXX XXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXX where the guideline minimum for the tier is XXXXX XXXXXXXXX of XXXXXXX months where guideline minimum is XXX months; and XX * XXX XXXXXXXXX payment history. XXXXXXXXX XXXXXXXXXX | 03/11/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1689002 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013723 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | information provided | 03/04/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 13 | C | B | A | A | C | A | C | B | Non-QM | 1 | ||||||||
| 1689002 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013725 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX subject property is rural which requires client approval under all loan programs. | Client waived with compensating factors: XXXX XXXX is XXXXXXXX with a max XXXX of XXXXXX XXXX XXXXX XXXX with a minimum XXXXX of XXXXXX XXXX borrower has been self-employed for XXX years and the minimum required length of self-employment is XX years. | 02/25/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 13 | C | B | A | A | C | A | C | B | Non-QM | 1 | |||||||
| 1689002 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013726 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX the client approval for rural property over XXX acres, as per guideline for XXXXXX XXXXXX XXXX XX program; the maximum acreage permitted is XXX acres, and the subject property is XXXXXXX acres. | Client waived with compensating factors: XXXX XXXX is XXXXXXXX with a max XXXX of XXXXXX XXXX XXXXX XXXX with a minimum XXXXX of XXXXXX XXXX borrower has been self-employed for XXX years and the minimum required length of self-employment is XX years. | 02/26/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 13 | C | B | A | A | C | A | C | B | Non-QM | 1 | |||||||
| 1691840 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014102 | 201 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - is missing. | XXX XXXXXXX XXXXXXXXXXXX on file | Information provided | 03/09/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691840 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014103 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXXX XX is missing XXXXX within XXX days of closing. | Documentation provided. | 03/09/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691875 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514385 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXXXXXXXXX for the XXXXX loan program reflect for a cash-out refinance is XXXX XXXXXX XXXX subject loan closed with a XXXX of XXXXXXXXX | XXXXXXXXX XXXXX approval to use current appraised value of XXXXXXXXX | 04/08/2026 | A | 1 | XXXXXXXXXX | KY | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691875 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514386 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXX loan program reflect to be eligible for a cash-out refinance, the subject property must be taken off the market on or before the application date. XXXX lessor of the most recent list XXXXX or the current appraised value should be used to determine the XXXXXX XXXX XXXXXXXX property was listed for sale XXXXXXXXXX for XXXXXXXXXXX reduced to XXXXXXXXXX and the listing expired XXXXXXXXXX | Application date is XXXXXXXXX and listing expired XXXXXXXXXXX XXXXXXXXX XXXXX approval to use current appraised value of XXXXXXXXX | 04/08/2026 | A | 1 | XXXXXXXXXX | KY | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691876 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10016154 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXXXX in file state funds from cash out of loan XXXXXXXX are being used. XXXXXXXX is currently short reserves. XXXXXXXX XXXXXX XXXXXXXX XXXXXXXXXXX for loan XXXXXXXX evidencing sufficient assets for reserves. | Document provided. | 04/02/2026 | A | 1 | XXXXXXXXXX | KY | 3 | 3 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691876 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10016155 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX properties require senior management approval, XXXXXXXXXX XXXXXXXXX in file allowing subject to be rural property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXXX current mortgage payment history and XXXX fico score where the minimum required is XXX | 04/02/2026 | B | 2 | XXXXXXXXXX | KY | 3 | 3 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691877 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514390 | 357 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Cash Back Exceeds Limit | XXXXXXXXXXX for the XXXXX loan program reflect the maximum cash out is XXXXXXXXXXXXXXXX XXXXXXXXX proceeds are XXXXXXXXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX mortgage history including XXXXXXX mortgage; XXXXXXXXXXXX investor owning multiple investment properties XXXXXXX XXXXX XXXX equity in subject property. | 03/25/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691877 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514391 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXXX for the XXXXX loan program reflect the maximum of XX XXXX for a property. XXXXXXXX property has XX units plus XX XXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX mortgage history including XXXXXXX mortgage; XXXXXXXXXXXX investor owning multiple investment properties XXXXXXX XXXXX XXXX equity in subject property. | 03/25/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691877 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514392 | 270 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Satisfactory 2nd Appraisal Report | XXXXXXXXXXX for the XXXXX loan program require a XXXX XXXXXXXXXX for the subject property. XX second desk review was allowed in lieu of a second appraisal by senior management but the XXXX desk review was not provided. | Client waived with compensating factors: XXX mortgage history including XXXXXXX mortgage; XXXXXXXXXXXX investor owning multiple investment properties XXXXXXX XXXXX XXXX equity in subject property, received a XXXX XXXX from XXXXXXX with value of XXXXXXXXXXXXX XX | 03/26/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691877 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514393 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXX loan program require management approval for all escrow holdbacks and trailing documentation. XX XXXX was not included in the original loan file. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX mortgage history including XXXXXXX mortgage; XXXXXXXXXXXX investor owning multiple investment properties XXXXXXX XXXXX XXXX equity in subject property. | 03/25/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691878 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514394 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review s on hold until documents are received. | 03/24/2026 | A | 1 | XXXXXXXXXX | NM | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1691879 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514395 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Bridge XXX received | 03/11/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514396 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | XXXX XXXX occupancy rate must be XXXXXXX XXXXXXXXX occupancy rate is XXXXXX | Client waived with compensating XXXXXXXXXXXX XXXXX where a XXXX XXXXX minimum required. XXXXXXXXXXXX investor with an XXX month mtg history on prime no lates. XXXXXXXXX XXXXX XXXXXXXXXX and appraised value XXXXXXXXXXXX | 03/06/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514397 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XX months reserves for XXXXXX | Sr. management approved XX months reserves. XXXXXXX waived with compensating XXXXXXXXXXXX XXXXX where a XXXX XXXXX minimum required. XXXXXXXXXXXX investor with an XXX month mtg history on prime no lates. XXXXXXXXX XXXXX XXXXXXXXXX and appraised value XXXXXXXXXXXX | 03/06/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691880 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514398 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX XXXXXXX XXXXXX XXXXXX rent on purchase subject to XXXXX multiplier when XXXX XXXXXX XXXXX management approved no multiplier. | Client waived with compensating XXXXXXXXXXXX XXXXX where a XXXX XXXXX minimum required. XXXXXXXXXXXX investor with an XXX month mtg history on prime no lates. XXXXXXXXX XXXXX XXXXXXXXXX and appraised value XXXXXXXXXXXX | 03/06/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514402 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX XX yrs s/e required. XXXXXXXXXX XXXXXXXXXXXXXXXXX is XXXXX employee for XX months. | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required XXXXX XXX months rent verified good rental history. XXXX XXXX when max XXXX is XXX | 03/02/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514403 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX state XXXXX funds are allowed to max XXXX of XXXXXX XXXXX funds being used with XXXX XXX | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required XXXXX XXX months rent verified good rental history. XXXX XXXX when max XXXX is XXX | 03/02/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514404 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XX months reserves required when XXXXXXXXX only XXXXXX months provided and verified. | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required XXXXX XXX months rent verified good rental history. XXXX XXXX when max XXXX is XXX | 03/03/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691884 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514407 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX management approved using a XXX month avg of XX months of business XXXX statements. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXXXXX % where the maximum allowed is XXXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | 03/18/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514410 | 317 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Hud-1 from sale | XXX per the asset worksheet, the borrowers refinanced a property identified as XXXXXXXXX XXX XXX found in the file for that property. | Received XXX for XXXXX XXXXXX | 04/02/2026 | A | 1 | XXXXXXXXXX | IN | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514411 | 317 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Hud-1 from sale | XXX per the asset worksheet, the borrowers refinanced a property identified as XXXXXXXX XXX XXX found in the file for that property. | Received XXX for XXXXXXXXXXXX | 04/02/2026 | A | 1 | XXXXXXXXXX | IN | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514412 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, the borrower must have multi-family rental experience. XXXXXXXXX does not. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX on a current mortgage. XXX mo reserves required, borrowers have XXXXXXX months. XX minimum of a XXXX score is required for XXXX XXXX (excluding stacking), borrowers have a XXXX score. | 04/01/2026 | B | 2 | XXXXXXXXXX | IN | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514413 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, current rents must be used to qualify the loan. XXXXXXX income from signed leases are being used. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX on a current mortgage. XXX mo reserves required, borrowers have XXXXXXX months. XX minimum of a XXXX score is required for XXXX XXXX (excluding stacking), borrowers have a XXXX score. | 04/01/2026 | B | 2 | XXXXXXXXXX | IN | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514415 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXX evidence of senior management approval for rental income of XXXXXXXXXXXX monthly. XXXX guidelines, XXXX rental income received from the accessory unit may be used for qualifying with senior management approval. | Received XXX XXXXX approval for accessory unit rent. | 03/14/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691888 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514416 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX properties not permitted on XXXXXXX XXXXXXXXX in file for rural property. | Client waived with compensating factors: experienced investor, mortgages paid as agreed XXXXXXXXXXX XXXX XXXXX when the minimum requirement is XXXXX XXX months reserve when XXX months required. | 03/19/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 13 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691891 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514417 | 356 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Not Authorized | XXXXXXXXXXX state XXXXXXXXX requires XXX management approval. | Received XXX XXXXX approval for condotel | 03/28/2026 | A | 1 | XXXXXXXXXX | SC | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514418 | 870 | XXXXXXXXXX | Compliance | Appraisal | Appraisal - Other: | XXXXXXXXXX not from an approved XXXXXX | Client waived with compensating factors: XXXX XXXXX where a minimum XXXX XXXXX required. XXXXXXXXX in reserves where guidelines required XXXXXXXXXX | 03/03/2026 | B | 2 | XXXXXXXXXX | MA | 1 | 1 | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | 1 | |||||||
| 1691892 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514419 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX greater than XXXX with an XXXX of XXXXXX | Client waived with compensating factors: XXXX XXXXX where a minimum XXXX XXXXX required. XXXXXXXXX in reserves where guidelines required XXXXXXXXXX | 03/03/2026 | B | 2 | XXXXXXXXXX | MA | 1 | 1 | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | 1 | |||||||
| 1691893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514420 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX borrower has less than XX years self-employment. XXXXXX the XXXXXX XXXXXX XXXX XX XXXX statement program, the borrower is required to be self-employed a minimum of XX years. XXXX borrower has been self-employed since XXXXXXXXXXXX | Client waived with compensating factors: XXXXX is XXXX and the minimum XXXXX is XXXXXX XXXX borrower has residual income of XXXXXXXXX and the required residual income is XXXXXXXXXX XXXX borrower has reserves of XXXXXXXXXXXXX or XXXXXX months and the required reserves are XX months. | 03/09/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 3 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1691894 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514424 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received | 03/26/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1691895 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514428 | 894 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID LE- Other | XXXXXXXX XXXXXXXX XXX and any revised XXXXXXX XXX XXXXX were located in file. | Information provided | 04/07/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 13 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691895 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514429 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 04/07/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 13 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1691896 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514430 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XXXXXXXXXXX approval rent receipt from receipts with copies of money orders and cash contributions noted. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXXXXX | 04/01/2026 | B | 2 | XXXXXXXXXX | MA | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691896 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514431 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXXXXXXXX approval for appraisal XXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXXXXX | 04/01/2026 | B | 2 | XXXXXXXXXX | MA | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691897 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514434 | 455 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Does not meet requirement for Financed Prop | XXXXXXXX property is currently a primary residence and per XXXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX guidelines only an investment property is permitted. | Exception approval received for current primary refi as future investment. compensating XXXXXXXX - XXX months reserves - minimum XX months, residual income XXXXXXXXX XXXX XXXX - max XXX | 03/10/2026 | B | 2 | XXXXXXXXXX | VA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514435 | 374 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Evidence of legal residency | XXXXX XXXXXXXXXXX has approved co-applicant XXXXX with XXXX visa. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXXXXX where the max allowed is XXXXX XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXXX XXXX of XXXXXXXX where the maximum allowed is XXX | 03/23/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514437 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX title there is a pending action for dissolution of marriage between XXXXXX XXXXXX and XXXXXX XXXXXXXXXX XXXXXX filed XXXXXXXX decree and martial settlement agreement missing. | Sr XXXXX waived due to prenup terms regarding property. | 03/24/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691899 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514439 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXX XXXX XXXXXXX for XXXXXXX XXXX XXXX XXXXXXX is missing the policy number. | Information provided | 03/10/2026 | A | 1 | XXXXXXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691901 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514440 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 03/13/2026 | A | 1 | XXXXXXXXXX | IN | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514441 | 340 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Insurance Missing (MI or Project) | XXXXX a copy of the insurance premium for XXXXXXXXXX current residence as it is not escrowed in the bridge loan. | HOI provided | 03/20/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691902 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514442 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 03/19/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514445 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | XXXXXXXX second appraisal due to possible flip sale | Client XXXXXXX by accepting a desk review as a secondary valuation and the following XXXXXXXXXXXXX XXXXXXXXX XXXX XXX months of reserves XXXX XXXX downpayment and XXXX prior mortgage history with XXX months reviewed. | 03/11/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | D | B | A | A | A | A | D | B | Non-QM | 1 | |||||||
| 1691904 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514448 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXXXXXXXXXX XXXX refi, XXXXX to be XXXX for XXXX XXXX XXXXXXXXXX XXXXXXXXX XXXXX XXXX XXXX XXXXX | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX time over XXXX when XXXX s/e required, XXXXXXXXX XXXX when max XXXX is XXXX when XXXX XXXXXXXXX XXXXXX months reserves when XXXXXXXX reserves required. | 03/17/2026 | B | 2 | XXXXXXXXXX | SC | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9537840 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX XX yrs s/e required XXXXXXXXXX request XXXXXXXXX employer switched borrower to XXXXX from wX in XXXXXXXX less than XX yrs. | Client XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXX XXXX when max allowed is XXXX XXXXX XXXXXXXXX XXXX when max allowed is XXXX for XXXXXX XXXXXXX months reserves when only XXXXXXXX reserves required for purchase with XXXXX XXXXX and XXXXXXXX & XXXXXXX | 04/01/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9537841 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX payment shock XXXXX XXXXXXXXXX XXXXXXXXX in file as XXXXXXXXX has no primary housing history. | Client XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXX XXXX when max allowed is XXXX XXXXX XXXXXXXXX XXXX when max allowed is XXXX for XXXXXX XXXXXXX months reserves when only XXXXXXXX reserves required for purchase with XXXXX XXXXX and XXXXXXXX & XXXXXXX | 04/02/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691906 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9537842 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX history XXXXXXXXXX XXXXXXXXXX XXXXXXXXX in file as borrower has no housing history. | Client XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXX XXXX when max allowed is XXXX XXXXX XXXXXXXXX XXXX when max allowed is XXXX for XXXXXX XXXXXXX months reserves when only XXXXXXXX reserves required for purchase with XXXXX XXXXX and XXXXXXXX & XXXXXXX | 04/02/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013915 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX shock over XXXXXX requires XXXXX XXXXXXXXXXX approval. XXXXXXXXX payment shock is over XXXXX | Compensating XXXXXXXX - XXXX XXXXXXX max XXXXXXXX XXXXXX is well supported with a XXX | 03/26/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1691907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013918 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | information provide | 03/25/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1691908 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514459 | 435 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit report is expired | XXXXXXX report dated XXXXXXXXXXX was XXX days aged > maximum of XXX days aged at time of funding on XXXXXXXXXX as required per guidelines. | Exception approval received for date of credit report. XXXXXXXXXXXXX XXXXXXXX - residual income XXXXXXXXXX XXXX XXXX - max XXXXX XXXX XXXX max - XXXXX score XXXX - min XXXXXX | 03/24/2026 | B | 2 | XXXXXXXXXX | CA | 2 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691909 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514460 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXXXXX effective date must be on or before loan disbursement date. XXXXXXXXXX in file was not in effect on the disbursement date. XXXXXXX provide proof that insurance was effective at the time of the loan disbursement. | Information provided | 03/16/2026 | A | 1 | XXXXXXXXXX | FL | 2 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014108 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 04/08/2026 | A | 1 | XXXXXXXXXX | KS | 1 | 1 | C | B | C | B | C | B | C | B | Safe Harbor QM (APOR) | 1 | ||||||||
| 1691910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014109 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXXXX XXXXXXX XXXXXXX fee in XXXX XX of the XXXX XXXXX XXXXXXXXXX amount is XXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXXX | PCCD provided | 04/08/2026 | B | 2 | XXXXXXXXXX | KS | 1 | 1 | C | B | C | B | C | B | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| 1691910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014111 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXX XXXXXXXXXXX approval required for no current mortgage history. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the maximum allowed is XXXXXX XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXX | 03/30/2026 | B | 2 | XXXXXXXXXX | KS | 1 | 1 | C | B | C | B | C | B | C | B | Safe Harbor QM (APOR) | 1 | |||||||
| 1691911 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514470 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided | 03/26/2026 | A | 1 | XXXXXXXXXX | ID | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1691911 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514471 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 03/26/2026 | A | 1 | XXXXXXXXXX | ID | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1691913 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514473 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 04/02/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1691914 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014302 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, the minimum unit size is XXXX XXXXX XXXXXXXX has units that are less than XXXX XXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX score for XXXX XXXX is XXXXXX XXXXXXXXXX score is XXXXXX XXXXXXXXX reserves is XX months. XXXXXXXXX has XXXXXXX months reserves. XXXX is XXXXXXXX where the maximum is XXXXX | 04/09/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514480 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXX proof of XXXXX mortgage payment on the XXXXXXXXXX primary residence. | Sr XXXXX approval received for use of credit supplement and XXXX fico score. | 03/12/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514482 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | 03/25/2026 | A | 1 | XXXXXXXXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1691918 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514483 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX funds not permitted on non-owner occupied transactions. XXXXXXXXX to allow gift funds. | Client waived with compensating factors: XXXXXXXXXXXX XXXXXXXXXX mortgages paid as agreed, XXXX XXXXX when the minimum requirement is XXXXX XXX months reserve when XX months required. | 03/26/2026 | B | 2 | XXXXXXXXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514487 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX required for payment shock > XXXXXX for borrowers who own a home free and clear as required per guidelines. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX XXXXXXX months reserves when only XX months required, and XXXXX year home ownership. | 04/01/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514488 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for XX tradelines with XX active tradeline reported for a XXXXXXXX history which is < the minimum required XX tradelines with XX active tradelines reporting for a minimum XXXXXXX history as required under the XXXXXXXXX XXXXXXXXX guidelines. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX XXXXXXX months reserves when only XX months required, and XXXXX year home ownership. | 04/01/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691923 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514489 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower's credit report and bridge loan XXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Docs received | 03/19/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691924 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514490 | 1018 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employed verify business | XXXXXXX XXXXXXXXXXX XXXXXXXXXX approval in file to use statement of information and XXXX to verify ownership of business. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXX required, XXXXXXXXXX current mortgage payment history and XXXX fico score where the minimum required is XXX | 03/27/2026 | B | 2 | XXXXXXXXXX | CA | 2 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514491 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX XXXXX XXX days before closing. | Received XXX day XXXX | 03/14/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10016147 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrowers credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | 03/26/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1691927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10016151 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXX XXXXX XXXXXXXXX lists XXXXXXX XX XXXXX as employer for both brws and both brws with the same income. | Received revised loan approval | 03/30/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1691929 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514499 | 750 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Report Date | XXXXX XXXXXXXXXXX approval to extend credit report expiration date to XXXX days. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX fico score where the minimum required is XXXXX XXX months reserves when only XX months required, XXXXX of XXXXXX where the minimum required is XXXX | 03/24/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514500 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX XXXX XXXX XXXX when using gift funds for closing XXXXXXXXXX XXXXXXXXX XXXXXXXXX to XXXX XXXX with using XXXXX funds. | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXX XXXXXXXXX when max XXXX is XXXXX XXXXXXX months reserves when XXXXXXXX reserves required, XXXXXXXX rent rating since XXXXXXXXX XXX paid XXXX | 03/16/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514501 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX XXX seasoning XXX months from discharge date XXXXXXXXXX XXXXXXXXX XXXXXX filing date for XXXXX seasoning XXXXXXXXX | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXX XXXXXXXXX when max XXXX is XXXXX XXXXXXX months reserves when XXXXXXXX reserves required, XXXXXXXX rent rating since XXXXXXXXX XXX paid XXXX | 03/16/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514503 | 374 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Evidence of legal residency | XXXXXXXXXXXXX of permanent resident alien status is missing from the file. | Received XXXX card | 03/24/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514504 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX XXXXXXXXXXX approval for declining value is missing from the file. XXXX loan approval in file does not address declining values. | Exception approval received. XXXXXXXXXXXXX XXXXXXXX - XXXXXX - XXXXX minimum XXXXX XXXX XXXX max- XXXXX XXXX XXXX - max XXX | 03/24/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691933 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514506 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for non-arm's length transaction for the purchase of an investment property as required per guidelines. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXXX where the minimum required is XXXXXX XXXXXXX months reserves when only XX months required, and XXXX fico score where the minimum required is XXXXX | 03/25/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514507 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXXX XXXXXX of XXXXXX does not meet the guideline minimum of XXXXXX for loans approved under the XXXXX XXXXX XXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves where the guideline requirement is XXX months; XXXX XXXX where the guideline maximum is XXXXX XXXX XXXXX XXXXXX where the guideline minimum is XXXXXX XXXXXXXXXXXX XXXXXXXXXXX | 04/03/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1691934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514508 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX lower of XXXXXXXXXX market rent or lease agreement to calculate XXXXX XXXXXX for loans submitted under the XXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves where the guideline requirement is XXX months; XXXX XXXX where the guideline maximum is XXXXX XXXX XXXXX XXXXXX where the guideline minimum is XXXXXX XXXXXXXXXXXX XXXXXXXXXXX | 04/03/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1691934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514509 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | XXXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXXX loan amount was > XXXXXXXXXXXX and required a second appraisal. XXXXXXX XXXXXXXXXX fee was charged on the XXXXXXXX XXXXXXXXXXX however not provided in loan images. | Received XXXX appraisal supporting value. | 04/04/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1691935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514510 | 322 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Minimum FICO | XXXX borrowers XXXXX is below the minimum of XXXX for the XXXXXX XXXXXX XXXX XX XXXX statement program. XXXX XXXXX is XXXXX | Client waived with compensating factors: XXXXXXXXX income is XXXXXXXXXXXX and the minimum residual income is XXXXXXXXXX XXXX borrower has XXX years on the job. XXXX reserves were XXXXXXXXXXXXX or XXX months. XXXX required reserves are XX months. | 03/31/2026 | B | 2 | XXXXXXXXXX | NC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514511 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX appears that the borrowers owned the previous residence free and clear. XXXX payment shock is over XXXXXX per guideline for the XXXXXX XXXXXX XXXX XX program payment shock is not to exceed XXXXXX when the debt to income ratio is over XXXXXX XXXX debt to income ratio on the loan is XXXXXX | Client waived with compensating factors: XXXXXXXXX income is XXXXXXXXXXXX and the minimum residual income is XXXXXXXXXX XXXX borrower has XXX years on the job. XXXX reserves were XXXXXXXXXXXXX or XXX months. XXXX required reserves are XX months. | 04/02/2026 | B | 2 | XXXXXXXXXX | NC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514512 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XX XXXXXXX XXXX for the borrower dated within XXX days of the note date was not provided. | VVOE dated XXXXXXXXXX provided | 04/02/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691936 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514516 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXX required mortgage history per the guideline is XXXXXXXXXX XXXX borrowers mortgage history is XXXXXXXXX | Client waived with compensating factors: XXXX XXXX is XXXX and the max XXXX is XXXXXX XXXX XXXXX is XXXX and the minimum XXXXX is XXXXXX XXXX residual income is XXXXXXXXXXXX and required residual income is XXXXXXXXXXX | 04/02/2026 | B | 2 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514521 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 04/13/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1691937 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514522 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXXXX XXXXXXX XXXXXXX fee on the final XXXXX XXXXXXXXXX amount is XXXXXXX of which the final XXX cured XXXXXXX leaving XXXXXX left to be cured. XXXXX a XXXXX with full cure amount, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXXX | Information provided | 04/13/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1691939 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514524 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX XXXXXXXXXXX attached to subject XXXXXXXXXX request XXXXXX use property XXXX w/ commercial attached | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXXXXXXX XXXX when max XXXX allowed is XXXXX XXXXXXXX months reserves when min reserves required is XX months on XXXXXXXXX with XXXXX XXXXX & XXXX XXXXXXX | 03/31/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691941 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014105 | 206 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - year premium not in force at least 60 days post funding. | XXXXXXX policy expires within XXX days, please provide updated policy. | information provided | 04/08/2026 | A | 1 | XXXXXXXXXX | MA | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691943 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514528 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, XXXXXX XXXXXXXXXX is not allowed on any type of occupancy except a XXXXXXXX residence. XXXXXXXX is a second home. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX primary has a mortgage history of XXXXXXXXXX XXXXXXXXX of XX months is required. XXXXX have XXXXXXXX months reserves. XXXXXXXXX income of XXXXXXX is required. XXXXXXXXX has XXXXXXXXXXXXX in XXXXXXXXX income. | 03/24/2026 | B | 2 | XXXXXXXXXX | AZ | 2 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691945 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013720 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | information provided | 04/13/2026 | A | 1 | XXXXXXXXXX | MD | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1691946 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514533 | 357 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - Cash Back Exceeds Limit | XXXXX XXXXXXXXXXX approval required for cash out exceeding max of XXXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXX where the minimum required is XXXX | 03/26/2026 | B | 2 | XXXXXXXXXX | HI | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691948 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514536 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXX loan program require approval of new construction high rise condominiums. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX assets/reserves XXXXX mos required) with over XXX months after closing; XXXX XXXXXXXXX XXXXXXXXX is an experienced investor. | 03/27/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691950 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514537 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX bridge loans must be approved by XXXXXXX XXXXXXXXXXXXX XXXXXXXXXX approval from senior management allowing XXXXXXX XXXXX in file. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXXX reserves when XXXX required, and XXXX fico score where the minimum required is XXX | 04/01/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691951 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514538 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for self-employed and second job borrower without a two-year history as required per guidelines. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX current mortgage payment history, XXXX fico score where the minimum required is XXXXX and XXXX of XXXXXXXXX where the maximum allowed is XXXXX | 03/27/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691951 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514539 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | 03/27/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1691953 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514540 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX require minimum square feet for any unit is XXXXXX XXXXXXXXX in file to allow subject unit XX is XXXX square feet. | Client waived with compensating factors: XXXXXXXXXXXX investor, XXXXXXXXX has lived in primary residence for XX years, mortgages paid as agreed, XXX months reserve when the minimum requirement is XX months, XXXXX XXXXXXX when the minimum requirement is XXX XXXX XXXX when the max XXXX is XXXXX XXXXXXXX when the minimum requirement is XXXXX | 03/12/2026 | B | 2 | XXXXXXXXXX | OR | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691955 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514541 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX final XXX for the XXXXXXXXXX XXXXXXX XXXXX dated XXXXXXXXXX secured by a property located at XXXXX XXXX XXX showing net proceeds of XXXXXXXXXXXXXX and the payoffs of XXXX XXXXXXXXX XXXXXXXX XXXXXXX XXXXXXXXXX balance and XXXXXXXXXXX XXXXXXX XXXXXXX XXXXXXXX balance. | Received signed bridge loan as requested | 04/01/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691960 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514546 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | mac XXXX XXXX for XXXXXXXXX on fixed income. XXXXXXXXX in file for XXXXXXXXX | Client waived with compensating factors: XXXXXXXXXXXX home owner for over XXX years. XXXX XXXX when the minimum requirement is XXXXX XXXX XXX when the max allowed is XXXXX mortgages paid as agreed. | 03/30/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691960 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514547 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXX from the bridge loan for XXXXX XXXXXX XXXXXXX is missing from the file. | CD received | 04/02/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691960 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514548 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX exceeds guidelines. XXXX approved XXXX is XXXXXXXXXXX XXXXXXXXXX the XXXX is XXXXXXXXXX XXX appears the consumer debt has been paid; however, the documentation to document all debt has been paid is missing from the file. | Accounts paid with bridge loan. XXX provided. | 04/02/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691962 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514549 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX final XXX from bridge loan. | 04/03/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 1 | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1691963 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514550 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXXXXX require XXXXXXX loan XXXXXX XXX verifying XXXXX to XXXXXXXXX of XXXXXXXXX and payoffs of XXX XXXX XXXXXXX and XXXXXXX XXXX XXXXXXXX | 04/03/2026 | A | 1 | XXXXXXXXXX | PA | 1 | 1 | A | A | A | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1691965 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514551 | 1011 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Calculation Discrepancy rental income | XXXXXXXX current, fully executed lease for third unit. XXXXX XX leases provided totaling XXXXXXX monthly rent income. XXXXXX lease is needed to verify XXXXXXX monthly rent income used to qualify with XXXXX of XXXXXX | Received management approval to use the XXXXXXX rents of XXXXXXXXX XXXXX XXXXXX | 04/10/2026 | A | 1 | XXXXXXXXXX | IL | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691966 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514552 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXX settlement statement for bridge loan XXXXX XXX XXXXXXXX XXXX XXXXXXXXXXX XXXXXXX showing cash out to close. | 04/06/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1691966 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514553 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX XXXXXX properties will be considered as collateral for the bridge loan. XXXXXXXX evidence XXXX acre prior primary is not rural property. | Received appraisal reflecting prior primary is suburban | 04/06/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691967 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514554 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, the payment shock cannot exceed XXX . XXXXX exceeds XXX due to current XXXX is owned free and clear. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX residual income is XXXXXXXXX XXXXXXXXXX have XXXXXXXXXXX in XXXXXXXXX income. XXXXXXXXX reserves is XX months. XXXXXXXXXX have XXXXXXX months. XXXXXXXX score to do XXXX XXXX is XXXXXX XXXX borrowers qualifting score is XXXXX | 04/08/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691967 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514555 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, the maximum XXXX for retired borrowers is XXXXXX XXXXX XXXX exceeds XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX residual income is XXXXXXXXX XXXXXXXXXX have XXXXXXXXXXX in XXXXXXXXX income. XXXXXXXXX reserves is XX months. XXXXXXXXXX have XXXXXXX months. XXXXXXXX score to do XXXX XXXX is XXXXXX XXXX borrowers qualifting score is XXXXX | 04/08/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513729 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | 03/27/2026 | A | 1 | XXXXXXXXXX | NV | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1691970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513730 | 340 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Insurance Missing (MI or Project) | XXXXX proof of the insurance premium for the XXXXXXXXXX former primary (property of the XXXXXXX loan) as only taxes are escrowed in the XXXXXXX loan. | Received XXXX XXXXXXXXXXX at closing of bridge loan | 03/30/2026 | A | 1 | XXXXXXXXXX | NV | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513731 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXX of XXXXX mortgage payment was paid as agreed in XXXXXX | Document received reflect payment due for XXXXXX | 03/30/2026 | A | 1 | XXXXXXXXXX | NV | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514561 | 383 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Divorce Decree | XXXXXXXX court filed executed divorce decree. | Document has been provided. | 03/31/2026 | A | 1 | XXXXXXXXXX | NH | 2 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514562 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX XXXXX within XXX days of closing. | Document has been provided. | 03/31/2026 | A | 1 | XXXXXXXXXX | NH | 2 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691971 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514563 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XXXXXXXXXXX approval classifying subject property as a XXXX home as result of divorce (subject is XX miles from primary residence). | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXXX XXXXXXX months reserves when only XX months required. XXXX fico score where the minimum required is XXXXXX | 03/30/2026 | B | 2 | XXXXXXXXXX | NH | 2 | 13 | D | B | D | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691972 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514564 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for property XXXX square foot < XXXX square foot minimum required per guidelines. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX > XXXX where the maximum allowed is XXXXX XXXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX and XXXX fico score where the minimum required is XXXXX | 04/03/2026 | B | 2 | XXXXXXXXXX | SC | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691974 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514565 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX income was calculated with asset depletion under the XXXXXXXXX XXXXXXX qualified XXXX XXXX XXXXXX depletion income is not allowed for investor properties. | Client waived with compensating factors: XXXXX is XXXX minimum XXXXX is XXXXXX XXXX residual income is XXXXXXXXXX and the minimum residual income is XXXXXXXXXX XXXX mortgage is paid XXXXXXXXX and the required mortgage history is XXXXXXXXX | 03/28/2026 | B | 2 | XXXXXXXXXX | UT | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691975 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514566 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | 04/06/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||||
| 1691975 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514567 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for payment shock > XXXXXX (and exceeding XXXXXXXX due to current home is owned free and clear as required per guidelines. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX XXXX of XXXXXXXXX where the maximum allowed is XXXXX and XXXX fico score where the minimum required is XXXXX | 04/06/2026 | B | 2 | XXXXXXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691976 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514568 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX XXXXXXXXXXXXXXX ratio exceeds the maximum of XXXX for XXXX over XXXX under the XXXXXX XXXXXX XXXX XX program. XXXX XXXX on the loan is XXXX and the XXXX is XXXXXXXXX | Client waived with compensating factors: XXXXX is XXXX with a minimum required score of XXXXXX XXXX residual income is XXXXXXXXXXXXXX and the minimum residual income is XXXXXXXXXXXXX XXXX borrower has XXXXXXXXXX in reserves, or XXXXX monhts and the required reserves are XX months. | 03/27/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691977 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514569 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | XXXX guidelines for loans submitted under the XXXXX XXXXX XXXXX XXXXXXXXX a minimum XXXXX score of XXXXXX is required. XXXX loan closed with a XXXXX XXXXXX of XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the guideline minimum is XXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXX months where the guideline minimum for the program is XX months; and XXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX XX x XXX with XXX months reported. | 04/02/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691977 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514570 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXXXXX does not meet experience guidelines for loans submitted under the XXXXX XXXXX XXXXX XXXXXXXXXX XXXX guidelines, must be experienced multi family investor; borrower(s) were XXXX time investors. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the guideline minimum is XXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXX months where the guideline minimum for the program is XX months; and XXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX XX x XXX with XXX months reported. | 04/02/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691977 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514571 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX guidelines, all units must be at least XXXX sq. ft.; however, four of the six units are only XXXX sq. ft. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the guideline minimum is XXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXXX months where the guideline minimum for the program is XX months; and XXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX XX x XXX with XXX months reported. | 04/02/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691978 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514572 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX correct loan approval showing XXXXXX XXXXX as XXXXXXXXXXX and XXXXXXXXXX value as XXXXXXXXXXXX | Received revised loan approval | 04/07/2026 | A | 1 | XXXXXXXXXX | TX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691979 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514573 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXX XXXXXXXX for collateral requires XXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXXXX on all programs. XXXXXXXXXX approval in file to allow for subject property in declining market. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX | 03/27/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | A | A | A | A | C | B | Non-QM | 1 | |||||||
| 1691982 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514574 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for increase in XXXXXXX XXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided | 04/02/2026 | A | 1 | XXXXXXXXXX | UT | 2 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691982 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514575 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 04/02/2026 | A | 1 | XXXXXXXXXX | UT | 2 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1691982 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514576 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXX foreign national income using XXXX letter, per guidelines only foreign national borrowers are allowed on the XXX program. | Client waived with compensating factors: XXXXXXX months reserves where XXX is required, XXXXXXXXXX residual income where XXXXXX is required, XXX months mortgage credit depth with no late payments. | 03/27/2026 | B | 2 | XXXXXXXXXX | UT | 2 | 1 | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691985 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514278 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX shock exceeds XXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX primary residence is owned free and clear XXXX XXXX XXXX is well below the program maximum of XXXX XXXX XXXX residual income of XXXXXXXXX is over the required minimum of XXXXXXXXX | 03/19/2026 | B | 2 | XXXXXXXXXX | FL | 2 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691989 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514279 | 418 | XXXXXXXXXX | Credit | UW Collateral | UW Collateral - UW - Client Condo Warranty Requirements | XXX management approval required for XXXX XXXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXXX and XXXX of XXXXXXXX where the guideline maximum for fixed income is XXXXX | 03/31/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691992 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514282 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX shows increase in value since purchase in XXXXXXXX from XXXXXXXXX to XXXXXXXXXXXX XXXXXXX management exception approval in file to allow for increase value of subject in XX months' time. | Pending additional information/ exceptions from XXXXXXXX XXXXX does not mee XXXXX guidelines. XXXXXXXX compensating factors are XXXXX of XXXXXX when only XXXXX is required and reserves of XXXXXXXXX when only XXXXXXX are needed. | 04/06/2026 | B | 2 | XXXXXXXXXX | IL | 3 | 13 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691993 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514284 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXXX require impounding for XXXXXX & XXXXXXXXXXX XXXXXXXX exception approval from XXXXXXX XXXXXXXXXXX allowing for escrows to be waived. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXXXX | 04/01/2026 | B | 2 | XXXXXXXXXX | LA | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691993 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514285 | 264 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Value Not Supported | XXXX in file with value of XXXXXXXXXX does not support appraised value of XXXXXXXXXXXX XXXXXXXXXX approval from senior management in file allowing lower value of XXXXXXXXXX to be used. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXXXX | 03/30/2026 | B | 2 | XXXXXXXXXX | LA | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691994 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514286 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXX guidelines, if a review appraisal is lower than the appraisal the lower value must be used. XXXXXXXX appraisal is XXXXXXXXXXXX review appraisal is XXXXXXXXXXXX | Received revised approval | 04/02/2026 | A | 1 | XXXXXXXXXX | TN | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691996 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514287 | 374 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Evidence of legal residency | XXXXXXXX verification of residency status as required per guidelines. | Received XXXX card | 03/31/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691996 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514288 | 1013 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income calculation worksheet required | XXXXXXXX XXXX statement analysis worksheet for the borrower. | Received XXXX statement worksheet | 04/02/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691996 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514289 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX letter from borrower verifying intent to depart current residence and to be retained as a rental property. | Signed final XXXXX reflects intent | 04/01/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691996 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514290 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXX online rental report to support departing primary residence gross rental income of XXXXXXXX monthly @ XXXX = XXXXXXXX resulting in the qualified negative renal income used to qualify of XXXXXXXXX monthly. | Received XXXXXXX XXXXXXXXX of rental XXXXXXX | 04/01/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691996 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514291 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXXXX most current mortgage statement or credit supplement to confirm the borrower's current mortgage payment reflected on the credit report as next due XXXXXXXXX was paid on time and is next due for the XXXXXXXXX or XXXXXXXXX payment confirming XXXXXXXX as required per guidelines. | Received mortgage statement with payment due for XXXXXXXX | 03/31/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691996 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514292 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX needed for XXXX XXXX > XXXX XXXX maximum under the XXXXXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXXXXX current mortgage payment history, and XXXX fico score where the minimum required is XXXXX | 03/31/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1691999 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514293 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX length transactions are reserved for XXXXXXXX residence only, XXXXXXX XXXXX and XXXXXXXXXXX properties are acceptable with senior management approval. XXXXXXXXXX approval in file from senior management allowing invest property XXXXXXXXXX length transaction. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, XXXXXXXXXX current mortgage payment history. XXXXX of XXXXXX when only XXXXX is needed and XXXX fico score where the minimum required is XXX | 04/03/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692000 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514294 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXXX XXXXXXX does not list the seller as the current owner of public record. XXXXX XX of the appraisal report list the owner of public record as XXXXX | Received appraisal with seller's name | 04/01/2026 | A | 1 | XXXXXXXXXX | AL | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1692001 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514295 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, payment shock cannot exceed XXXXX XXXXX exceeds XXX due to current residence is owned free and clear. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX years on the job- self employed. XXXXXXXXX income of XXXXXXXXXXX when XXXXXXX is required. XXXXXXXXX of XXXXXXX months when XX months is required. | 04/08/2026 | B | 2 | XXXXXXXXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692002 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514296 | 861 | XXXXXXXXXX | Credit | Note | Note - Other: | XXXXXXXXXX XXXX on XXXXX - XXX and XXXXX XXXXXXXXX reflect XXXXX XXXXX reflects XXXXX fixed. XXXXX corrected XXXXX reflecting XXXXX | Information provided | 04/09/2026 | A | 1 | XXXXXXXXXX | TN | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692008 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514299 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX subject condo was XXXX sq ft. XXXX guidelines, condos must be a minimum of XXXX sq ft. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXX years of credit depth. XX years in the current primary residence when XX year history is required; XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the minimum requirement is XXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXX and XXXXXXXX months of post closing reserves. | 04/09/2026 | B | 2 | XXXXXXXXXX | CO | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692009 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514300 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX XXXXXX XXX for XXXXXXX XXXXX and all supporting documentation. | 04/02/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||||
| 1692011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514303 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXXXXXX XXXX is XXXX at XXXX XXXXXX XXXXX closed with XXXX of XXXXXXXXXXX | Client waived with compensating factors: residual income of XXXXXXXXX where XXXXX is required, XXXXX score of XXXX where XXXX is required, XXXXXXXXX has been in business since XXXXXXX | 04/02/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514304 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXXX business license in file expired XXXXXXXXXXXXX XXXXXXXX license not found in file. | Received current business license | 04/01/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514305 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX sales concessions for XXXXX property is XXXX XXXXXX concessions at closing were XXXXXXXXX | Client waived with compensating factors: residual income of XXXXXXXXX where XXXXX is required, XXXXX score of XXXX where XXXX is required, XXXXXXXXX has been in business since XXXXXXX | 04/02/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514306 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXXXXXXX XXXX of XXXXX XXXX allowed XXXX XXXXXX | Client waived with compensating factors: residual income of XXXXXXXXX where XXXXX is required, XXXXX score of XXXX where XXXX is required, XXXXXXXXX has been in business since XXXXXXX | 03/31/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692013 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514307 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX in XXXXXX XXXXXXXXXX XX reverse XXXXX XXXXXXXXX requires the loan to be to an XXXX owned by an approved XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXXXXX company. XXXXXXXX XXXXX XXXXXXXXXX must be reviewed by senior management. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum is XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXX and XXXXXX months of reserves. | 04/08/2026 | B | 2 | XXXXXXXXXX | HI | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514310 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXX guidelines for self-employed borrowers, the existence of the business must be verified through an acceptable third-party source dated no more than XXX days prior to the XXXXX XXXXXXX XXXX XXXXX XXXXX is XXXXXXXXXXXX however, the most recent XXXX documentation provided is dated XXXXXXXXXXXX | AZ XXXX provided | 04/06/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1692019 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514311 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXXXX XXXXXXXXXXX approval using XX months reserves. XXXXXXXXXX requirement XX months reserves. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX fico score where the minimum required is XXXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXX XXXX of XXXXXXXX where the maximum allowed is XXXXX | 04/06/2026 | B | 2 | XXXXXXXXXX | OK | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692020 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514312 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 04/13/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1692020 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514313 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXXXX XXXXXXX XXXXXXX fee on the final XXXXX XXXXXXXXXX amount is XXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXX | Information provided | 04/13/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1692020 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514314 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower’s credit report is missing from the loan file. XXXX credit view is on hold until documents are received. | 04/08/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1692020 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514315 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXX need for primary wage earner borrower credit history with XX open/active tradelines, per XXXXXX XXXXXX guidelines the minimum tradeline requirement is XX tradelines, at least XX active and a tradeline history of XXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX and XXXX fico score where the minimum required is XXXXX | 04/08/2026 | B | 2 | XXXXXXXXXX | NC | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1692077 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9534834 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX loan file is missing the borrower's credit report and XX months cancelled checks or XXXX statements for XXXXXX support income for the co-borrower. XXXX credit review is on hold until documents are received. | 03/27/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 13 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1692077 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9534835 | 443 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Alimony/Child Support income not documented | XXXXXXXXXXX for the XXXXXX XXXXXXXXXX loan program require XX months cancelled checks or XXXX statements be provided when child support income is included. XXX income documentation for the co-borrower has been provided. | Exception approval received for lack of child support receipt. XXXXXXXXXXXXX XXXXXXXX - XXXX XXXXX XXXX XXXXX residual income XXXXXXXXXX XXXXX XXXXX min XXXXX | 04/16/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 13 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1692149 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9544262 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | XXXXXXX provide updated personal guaranty with the loan amount corrected. | Information provided | 04/10/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 3 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692149 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9544263 | 387 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Taxes and Insurance documentation | XXXXXXXX complete declarations page for subject property evidencing rent loss coverage and amount of coverage. | Received > XX months rental coverage | 04/16/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 3 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692149 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9544264 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX use properties require senior management approval on all programs. XXXXXXXXXX approval in file allowing subject to be mixed use. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXXX required, and XXXX fico score where the minimum required is XXX | 04/06/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 3 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692265 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9633007 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX the XXXXXX XXXXXXXX XXXXXXXXXXX for the XXXXXXX XXXXX with proceeds totaling XXXXXXXXXXXXXXX | 04/07/2026 | A | 1 | XXXXXXXXXX | ID | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | ||||||||
| 1692265 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9633009 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX borrower does not meet residual income XXXXXXXXXXXXXXXXXX required residual income on this loan is XXXXXXXXXXXXX under the XXXXXX XXXXXX XXXX XX program. XXXX borrower has XXXXXXXXXXXX in residual income. | Client waived with compensating factors: XXXXX is XXXX minimum XXXXX is XXXXXX XXXX is XXXX XXXX XXXX is XXXXXX XXXX borrower's reserves are XXXXXXXXXXXX or XXX months, and the required reserves are XX months. | 04/07/2026 | B | 2 | XXXXXXXXXX | ID | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | |||||||
| 1692387 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9658602 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, a self employed XXXXXXXXX must be self employed for XXXX years. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX is XXXXXX XXXXX XXXX is XXXXXXXXXXX XXX reserves are required. XXXXXXXXXX have XXXXXXX months reserves. XXXXXXXXX residual income is XXXXXXXXX XXXXXXXXXX have XXXXXXXXXXX in XXXXXXXXX income. | 03/23/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692387 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9658603 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, a borrower must have XX tradelines. XXX only has XXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX is XXXXXX XXXXX XXXX is XXXXXXXXXXX XXX reserves are required. XXXXXXXXXX have XXXXXXX months reserves. XXXXXXXXX residual income is XXXXXXXXX XXXXXXXXXX have XXXXXXXXXXX in XXXXXXXXX income. | 03/23/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692387 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9658604 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX joint credit report for the borrower and co-borrower is missing from the loan fie. XXXX credit review is on hold until documents are received. | Documents received | 03/23/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692387 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9658605 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXX proof XXXXXX mortgage was paid as agreed for XXXXXX | Received XXXX statements showing payment made XXXXXX | 03/24/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692387 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9658606 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXX of XXXXX payment for XXXXXXXX XXXXX mortgage XXXXXXXX | Received XXXX statements showing payment made XXXXXX | 03/24/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692388 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9658607 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX required a statement from an attorney to explain the circumstances of pending litigation against the borrowers and the XXXXXX XXXX statement must discuss the borrowers liability of insurance coverage. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX XXXXXXXX when max XXXX XXXXX XXXX XXXXX scores XXXXXXXX when XXXX minimum; XXXXXXXXX after closing XXXXX months when XX required. | 03/23/2026 | B | 2 | XXXXXXXXXX | MO | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692388 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9658608 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXX loan program require an occupancy rate of XXXX when using XXXXXX XXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX rate of XXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX XXXXXXXX when max XXXX XXXXX XXXX XXXXX scores XXXXXXXX when XXXX minimum; XXXXXXXXX after closing XXXXX months when XX required. | 03/23/2026 | B | 2 | XXXXXXXXXX | MO | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692465 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9685224 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXX provide updated hazard with the policy number. | Information provided | 04/14/2026 | A | 1 | XXXXXXXXXX | OH | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1692748 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811700 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX use of XXXX crypto assets | Client waived with XXXXXXXXXXXXX factors: residual income of XXXXXXXXXX where XXXXX is required, XXXX month reserves where XX months required, XXXX XXXXX where XXXX is required. | 04/13/2026 | B | 2 | XXXXXXXXXX | OK | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1692752 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811701 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXX XXXXXXXXXXX on all programs require senior management approval. XXXXXXXXXX approval in file allowing for subject to be rural property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX | 04/10/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692752 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811702 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXXX out on XXXXX refinance is XXXXXXXXXXXX XXXXXXXXXX approval from XXXXXXX XXXXXXXXXXX in file to allow for XXXXXXXXXXXXXX cash back exceeding guideline of XXXXXXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX | 04/10/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692760 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811720 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXXXXXXXXXX if majority of income used to qualify is from fixed income source the max XXXX is XXXX XXXXXXXXXX request XXXX exceeding XXXX on fixed income | COMPENSATING XXXXXXXXX XXXXXXX waived with comp factors: XXXXX XXXX when min XXXXX is XXXXX XXXXXXXXX XXXXXXXXXXXXXXX when max XXXX allowed is XXXXX XXXXXXX months reserves when XX reserves required if XXXX XXXXXXX | 04/13/2026 | B | 2 | XXXXXXXXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692761 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811721 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX XX - XXX XXXXX XXXXXXXX does not permit non permanent resident aliens. XXXXXXXXXX approval in file from senior management allowing borrower to be XXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXX of XXXXXX when only XX is required, and XXXX fico score where the minimum required is XXX | 04/14/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692762 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811724 | 271 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Collateral not acceptable/warrantable | XXXXXXXXXXX for the XXXXX loan program reflect the subject property is required to be a XXXX XXXX unit property, XXXXX condo, or condotel. XXXX the appraisal provided, the subject property is being used as an adult out-patient mental-health clinic. | Exception approval received. XXXXXXXXXXXXX XXXXXXXX - XXXX XXXX - max XXXXX XXXXX XXXXX XXXX XXXXX XXXXX XXXXXXX min XXXXX | 04/02/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 13 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692769 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811725 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXXXXXXXX approval required for XX units under XXXX sq ft. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXXX where the minimum required is XXXXXXX XXXX fico score where the minimum required is XXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXX where the max allowed is XXX | 04/15/2026 | B | 2 | XXXXXXXXXX | NV | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692769 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811726 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XXXXXXXXXXX approval for no management fee on subject property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXXX where the minimum required is XXXXXXX XXXX fico score where the minimum required is XXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXX where the max allowed is XXX | 04/15/2026 | B | 2 | XXXXXXXXXX | NV | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692770 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811728 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX all units required to be over XXXX sq ft each. XXXXXXXXXX XXXXXXXXX XX XXXXXX under XXXX sq ft w/o stove/refrigerator. | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX is XXXXX XXXXXXX stacked when max XXXX is XXXXX XXXXX XXXXXX when min required XXXXX is XXXXXX XXXXXXXXXXXXXX reserves when only XX months required, XXXXXXXXXXXX XXXXXXXXX with multi units. | 04/15/2026 | B | 2 | XXXXXXXXXX | NV | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692771 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811729 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXXXXX require XXXXX to be completed and in file, XXX is employed and XXXXX is required to be in file. | Received XXX XXXX | 04/19/2026 | A | 1 | XXXXXXXXXX | NM | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1692771 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811730 | 1015 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - IRS Transcripts required | XXXXXXXXXXX state XXXXX is required for XXXX XXX has XXX in file, XXXXX is required per guidelines. | Received XXXX XXXXXXXXXXX | 04/20/2026 | A | 1 | XXXXXXXXXX | NM | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1692773 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811731 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXX loans on all programs require senior management approval. XXXXXXXXXX approval from senior management allowing use of bridge loan is in file | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXX reserves when XXXX required, and XXXX fico score where the minimum required is XXXX | 04/10/2026 | B | 2 | XXXXXXXXXX | SC | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1692778 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811733 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX per XXXXXXXXX guidelines, the payment shock cannot exceed XXXXX XXXXXXXXXXXX shock exceeds XX | Payment shock approved. XXXXXXXXXXXXX factors - XXXX XXXX max XXXXX XXXX XXXX max XXXXX XXXXXXXXX > XXX years, residual income XXXXXXXXX score XXXX minimum XXXXX | 04/14/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692779 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811734 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX subject to be less than XXXX sq ft. XXXXXXXX is XXXX XXX ft and does not contain a stove. | Client waived with compensating factors XXXX XXXX of XXXX where XXXX is allowed, XXXXXXXXXXX in reserves after closing, XXXXXXXXX owns primary residence free and clear. | 04/14/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692779 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811735 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX XXXXX time investor to own primary residence less than XXX months. | Client waived with compensating factors XXXX XXXX of XXXX where XXXX is allowed, XXXXXXXXXXX in reserves after closing, XXXXXXXXX owns primary residence free and clear. | 04/14/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692787 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811744 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, a XXXXXXXXX must be self employed for XXXX years. XXXX borrower has not been. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX on current mortgage. XXXXXXXXX reserves is XX months. XXXXXXXXX has XXXXXXX months. XXXXXXXXX residual income is XXXXXXXXX XXXXXXXXXX have XXXXXXXXXXXXX in XXXXXXXXX income. | 04/14/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||||
| 1692788 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811746 | 431 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing | XXXXXX XXXXXXXXXXXXXXX in the loan file does not meet guidelines, as they do not list the borrower's name. XXXXXXX to associate the XXX account to the borrower. | Received verification of account in borrower's name | 04/15/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692789 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811747 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX the credit report for XXXXXXXX XXXXXX | 04/14/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1692789 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811748 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXX per XXXXXXXXX guidelines, a XXXXXXXXX must have XXXXX months rental income. XXXXXXXXXXXX does not have XXX months. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX of XXXXXXXX months where the guideline requirement is XX months; XXXXXXXXX income of XXXXXXXXXXXX where the guideline requirement is XXXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the minimum score for XXXX is XXXXX | 04/14/2026 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1692789 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811750 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 04/16/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1692790 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811752 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for addition of XXXXX XXXXXXXXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXXX XX refund in the amount of XXXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXXX XXXXXXXXXX is subject to but the appraisal was completed on XXXXXXXXXXXXX XXXX was not added until XXXXXXXX XXX on XXXXXXXXXXX | Information provided | 04/27/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1692790 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811753 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 04/27/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1692792 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811755 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXXX XXXXXX XXXXXXXXXXX | Client waived with compensating factors: XXXXXXXXX residual income where XXXXX is required, XXX months reserves where XX months is required, XXXXXXXX XXXXX scores where XXXX is required. | 04/10/2026 | B | 2 | XXXXXXXXXX | AZ | 1 | 1 | C | B | A | A | A | A | C | B | Non-QM | 1 | |||||||
| 1692793 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811756 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXXXXXX XXXXX XXXXXXXXXX loans require XXXX for all XXXX borrowers. XXX requires a XXXXX | Received XXX | 04/15/2026 | A | 1 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1692793 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811757 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX payment XXXXXX up to XXX is permitted with sr management approval, not to exceed XXX XXXXXXXXXX XXXXXXXXX XXXXXXXXXX own departing primary free and clear, payment shock of XXXXX | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX over min XXXXX required of XXXXX XXXX XXXXXXXX stacked, under max XXXX allowed of XXXXX XXXXXXXXX XXXX under max allowed of XXXX XXXXX XXXXXXX months reserves over XX months required on purchase XXXXXXX XXXXX and XXXXXXXX & XXXXXXXX | 04/10/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1692793 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811758 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX XX yrs XXXX with XXX months XXXX statements for XXXXX XXXXXXXXXX loans. XXXXXXXXXX XXXXXXXXX XXXX less than XX yrs with less than XXX months bk statements. | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX over min XXXXX required of XXXXX XXXX XXXXXXXX stacked, under max XXXX allowed of XXXXX XXXXXXXXX XXXX under max allowed of XXXX XXXXX XXXXXXX months reserves over XX months required on purchase XXXXXXX XXXXX and XXXXXXXX & XXXXXXX | 04/10/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1692793 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811759 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX tolerance violation of XXXXXXXXX due to increase in credit report fee with no valid coc. XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation | Information provided | 04/16/2026 | A | 1 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1692793 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811760 | 902 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. | Information provided | 04/16/2026 | A | 1 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1692794 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811761 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX min XXXX sq ft unit condotel XXXXXXXXXX request under min sq ftg at XXXX sq ft condotel | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with comp factors: XXXXX XXXX when min XXXXX is XXXXX XXXXXXXXX XXXX when max XXXX allowed is XXXXX XXXXXXXXX XXXX when max XXXX is XXXX when XXXX is XXXXXXX XXXXXXX months reserves when XX reserves are required. | 04/20/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692795 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811762 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXX XXXXX time investor without any real estate ownership in the last XX years. | Client waived with compensating factors: XX mo. reserves where XX is required, XXXX XXXXX where XXXX is required, XXXXXXX where XXX is max allowed. | 04/13/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692795 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811763 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXXXXX approval of appraisal at time of pre-qual pending appraisal review. | Client waived with compensating factors: XX mo. reserves where XX is required, XXXX XXXXX where XXXX is required, XXXXXXX where XXX is max allowed. | 04/13/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1692806 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9814126 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received | 03/05/2026 | A | 1 | XXXXXXXXXX | UT | 3 | 1 | A | A | A | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9814314 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 03/26/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | B | D | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1692807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9814316 | 445 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXXXX self-employed less than XX years. XXXXXXXXX XXX XXX months. | Client waived with compensating factors: XXXXXXXXX income of XXXXXXXXXXXX where XXXXX is required, XXXXX XXXX where XXXX required, XXXXXXX depth to XXXXXXXXX with no late payments. | 03/13/2026 | B | 2 | XXXXXXXXXX | AZ | 1 | 1 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1692807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9814317 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXXXX XXXXXX XXXX at XXXXXXXXX XXXX is maximum allowed. | Client waived with compensating factors: XXXXXXXXX income of XXXXXXXXXXXX where XXXXX is required, XXXXX XXXX where XXXX required, XXXXXXX depth to XXXXXXXXX with no late payments. | 03/13/2026 | B | 2 | XXXXXXXXXX | AZ | 1 | 1 | D | B | D | B | C | A | A | A | Non-QM | 1 | |||||||
| 1692809 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9814320 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXXX XXXXX XXXX in same business XXXXXXXXXX XXXXXXXXX XXXX less than XX yrs, business established on XXXXXXXXXXX | Client XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required is XXXXX XXXXXXXXX XXXX when max XXXX allowed is XXXXX XXXXXXX months reserves when only XX months reserves required. | 03/30/2026 | B | 2 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1691814 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10090546 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXX two units with less than XXXX XXX XXXXX XXXX guidelines all units must be at least XXXX square feet. | Client waived with compensating factors: XXXXXXXXX owns XXX investment properties, XXXX months reserves where XX are required, XXXX XXXXX score where XXXX is required. | 02/26/2026 | B | 2 | XXXXXXXXXX | CT | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691868 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10071158 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXX per XXXXXXXXX guidelines, a verbal XXXX must be completed within XXX days prior to the note date. | VVOE dated XXXXXXXXXX provided | 03/16/2026 | A | 1 | XXXXXXXXXX | NM | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1688823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568700 | 901 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID Other | XXXXX is non-trid compliant due to XXXX increasing by greater than XXXXXX and the additional XX day waiting period not given. (file only contains XX XXXXX issued XXXXXX and XXXX - per disclosure tracking there was another XXX issued on XXXXX - please provide missing XXX for further review) | Missing XXX received, XXXXX status updated | Reviewer 02/17/2026 12:08 PM; ***update***Loan is non-trid compliant due to XXXX increasing by greater than XXXXXX and the additional XX day waiting period not given. (file only contains XX XXXXX issued XXXXXX and XXXX - per disclosure tracking there was another XXX issued on XXXXX - please provide missing XXX for further review) |
02/17/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 3 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||
| 1688857 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568791 | 445 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Other income documentation missing/incomplete | XXXXX contains a processor certification verifying a XXXX letter, XXXXXXXXX the XXXX letter was not found in file. XXXXXXX provide a copy of the XXXX letter. | CPA letter dated XXXXXXXXXX provided | Client 02/09/2026 10:49 AM; The XXXXXXXXXX cert was certifying a letter from XXXX for confirming moving to XXXXXXX XXXXXXXXXX incorrectly labeled document as a XXXX processer cert. XXXXXXXXXXX no XXXX processor cert and a corrected document has been uploaded. XXXXXX you. Reviewer 02/09/2026 07:33 PM; Condition has been reviewed. |
02/09/2026 | A | 1 | XXXXXXXXXX | VA | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1689179 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8610735 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX dated sales contract from original file. XXXXXXX provide the signed and dated contract of sale. | FSBO: the contract contains the signature pages where it was done online. XXXX terms of the contract have been met. | Client 03/06/2026 10:21 AM; This is a for sale by owner. XXX have the contract and we have the signature pages where it was done on line. XXXX terms of the contract have been met when they closed. XXXXXXX clear or escalate further. XXXXXX you. Reviewer 03/06/2026 11:15 AM; Condition has been reviewed |
03/06/2026 | A | 1 | XXXXXXXXXX | IL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691796 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513967 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX XXXX XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXX guidelines, XXXX loans must qualify at fully amortized payment. XXXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXXXX + subject rent XXXXXXX + rental income from other properties XXXXXXXXX = XXXXXXXXXXXXXX XXXXXXXX XXXXX XXXXXXXXXXX + other debt XXXXXX = XXXXXX debt XXXXXXXXXXXXXXXXXXX XXXXXXXXXXXX = XXXXXXXX | Underwriter used XXXX instead of XXXXXX XXXXXXXXXXX allow for XXX discretion to use alternative methods. XXXXXX are comments in documentation provided to address the rental calculation. | Client 03/12/2026 12:06 PM; The rental income figure used does not appear to be accurate. XXXXXXX appears have discounted the rental income by XXXX where XXX used XXXXXXXX XXXXXXXXXXX allow for XXX discretion to use alternative methods. XXXXXX are comments in documentation provided to address the rental calculation. XXXXXX you. Reviewer 03/12/2026 01:15 PM; Condition has been reviewed |
03/12/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 3 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1691799 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513973 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXX XXXXX was calculated using the higher amount of the rents on the subject XXXXXXXX property without subtracting the management expense. XXXX guideline under the XXXXX unit investor cash flow program requires that the lower of either the leases on the properties or the market rent should be used and that the management expenses need to be subtracted from the total. XXXXXXXX the approval for the use of the higher amount of rental income used without subtracting management expenses. | Property is being self managed per the approval. | Reviewer 03/03/2026 06:07 PM; The exception approval received for using the higher rents from the leases was received; however, the exception approval did not mention not having to use the XXXXXXXXXXX expense. Client 03/04/2026 10:21 AM; Management expenses were not subtracted from the income at the discretion of the underwriter- permitted per guidelines. XXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXX borrower is an experienced investment property owner/manager and he has confirmed he intends to self-manage the subject property therefore the management expense has not been included in the eligible rental income. Reviewer 03/04/2026 02:22 PM; Condition has been reviewed. |
03/04/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1691808 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513990 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XXXXX program requires XX XXXXXXX XXXXXX for purchase loans with a credit score > XXXX and XXXX <= XXXXX XXXXXX documentation provided from XXXXX exchange show borrower currently has less than XX month of reserves. XXXXXXXX exception approval waiving XX month reserves requirement XXX additional assets to meet the requirement. | Received assets documentation | Reviewer 02/25/2026 09:16 PM; Received asset worksheet with XXXXXX XXXXXX account XXXXXXXXXXXX XXXXXXX provide the XXXXXX XXXXXX account statement with these assets as they were not located in the file. |
02/26/2026 | A | 1 | XXXXXXXXXX | NV | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691822 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514010 | 317 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Hud-1 from sale | XXXXX signed XXX from sale of previous residence to show cash to borrower of XXXXXXXXXXXXXXXX XXX is file not signed. | HUD provided by title company | Client 02/18/2026 09:59 AM; Hi, the final settlement statement for the borrower's transaction has been uploaded and has been sufficient to satisfy the XXXXXXXXX requirement of proof of funds. XXXXXXX escalate. XXXXXXXX Reviewer 02/18/2026 10:26 AM; The XXXX is not stamped or signed XXX Client 02/18/2026 10:29 AM; Hi, this is what the title company provided us from the other transaction. XXXXXXXXX senior management accepted as the disbursement date was shown and the funds were used for our transaction. XXXXXXX escalate. XXXXXXXX Reviewer 02/18/2026 01:02 PM; Condition has been reviewed |
02/18/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514345 | 861 | XXXXXXXXXX | Credit | Note | Note - Other: | XXXX XXXXXXXXXX have not signed XXXXXXX XXXXXXXX signature for XXXX XXXXXXXX | Client 03/06/2026 05:36 PM; Please clarify the basis for this requirement. XXXXX closed in an XXXXX with XXXXXXXX signing as the manager. XXXXX XXXXXXXX and XXXXXXX signed personal guarantee. XXXXXX you. Reviewer 03/09/2026 04:20 AM; Reviewer 03/09/2026 03:01 PM; Hello
 XXXX approval and documents in file, co-borrower was used for approval. XXXXXXX need corrected approval and final application or a corrected note signed by both borrowers.
 
 XXXXXX Reviewer 03/16/2026 01:00 PM; No documentation provided Client 03/16/2026 01:07 PM; Hi, corrected approval and XXXXX has been uploaded to clear. XXXXXXX Reviewer 03/16/2026 01:41 PM; Reviewer 03/17/2026 02:59 PM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
03/17/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691852 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514348 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXXXXXXXX approval required for mixed use property. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXX where the minimum required is XXXX | Reviewer 03/31/2026 10:17 AM; |
03/31/2026 | B | 2 | XXXXXXXXXX | CT | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1691858 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514354 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXXXXX XXXX XXXXXXXXXX XXXXXXX did not include XXXXXXX month payment brw stated in XXXX required for charge off accounts in XXXX calculation. | DTI would still be within guidelines XXXXXXXXX max XXXXXXX | Client 03/06/2026 05:50 PM; DTI would still be within guidelines. XXXXXX you. Reviewer 03/08/2026 07:21 PM; Condition has been reviewed |
03/08/2026 | A | 1 | XXXXXXXXXX | TX | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1691866 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514368 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXX XXXXX & XXXXX subject mortgage payments were paid as agreed. | Exception approval received for lack of XXXXX payment. XXXXXXXXXXXXX XXXXXXXXXXXXXXXX on current mortgage. XXX months reserves are required. XXXXXXXXX has XXXXXXX months. XXXXXXXX score for XXXX is XXXXXX XXXXXXXXXX score is XXX | Reviewer 03/12/2026 09:33 AM; Only need XXXXXXX proof. |
03/26/2026 | B | 2 | XXXXXXXXXX | SC | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014112 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXX XXXXXXX XXXXX XXXXXXXX XXXXXXXXXXX is missing from the loan file. XXXXXXXX XXXX | Bridge XXX received | Reviewer 03/31/2026 09:34 AM; File to be returned to XXX for review of bridge XXX to ensure proper funds to close were provided. XXXXXXXXXXX conditions may apply. Client 04/07/2026 01:29 PM; Please clarify status of finding. XXXXXX you. Reviewer 04/07/2026 01:50 PM; Assets XXXXXXXXX XXXXXXXX reflects XXXXXXX XXXXXX XXXXXXXXXXXXXX XXXXXXX provide XXXXXXX XXXXX XXXXX Reviewer 04/07/2026 01:50 PM; Assets XXXXXXXXX XXXXXXXX reflects XXXXXXX XXXXXX XXXXXXXXXXXXXX XXXXXXX provide XXXXXXX XXXXX XXXXX Reviewer 04/07/2026 04:02 PM; Received XXXXXXX loan XXX and file returned to XXXXXXX XXX for review. |
04/08/2026 | A | 1 | XXXXXXXXXX | KS | 1 | 1 | C | B | C | B | C | B | C | B | Safe Harbor QM (APOR) | 1 | ||||||
| 1691913 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514474 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXXX XXXXX fee, and the addition of an XXXXXX XXXXXXX fee and an XXXXXX XXXXXXX XXXXX fee, all in XXXX XX of the XXXXX XXXXX XXXX XXXX for this date does not provide a valid explanation and the XXXXXXXXXX was done 'as-is'. XXXXXX violation amount is XXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXXX | Information provided | Reviewer 03/31/2026 09:28 AM; Invoice will not clear def. XXXXXXXXX required |
04/02/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 13 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||
| 1691914 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014301 | 957 | XXXXXXXXXX | Credit | Closing Package | Closing Package - First Payment Letter Missing or Incorrect | XXXXXX XXXXXXXX XXXXXXX XXXXXX XXXXXXXX does not equal XXXXXXXXXXX XXXXXX XXXXXXXXXX XXXXXXX also include the XXXX on the XXXXX payment letter. | client acknowledged - monthly escrows are correct | Client 04/10/2026 12:08 PM; Please clarify rating. XXX XXXXXXXXXX XX please waive. XXXXXX you. Reviewer 04/10/2026 12:26 PM; Reviewer 04/13/2026 01:11 PM; Hello
 XXXXX is grading as a XXX 
 XXXXXXXX |
04/13/2026 | B | 2 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10016150 | 376 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - SS verification | XXXXXXXXX XXXXXXX XXXXXXX XXXX was issued in XXXXXXX later. XXXXXXXXX was found under this XXXXXX XXXXX XXXXXXX XXX citizen. XXXXXXX proof of citizenship. | US passport provided. XXXXXXXXX became a XXX citizen a few years ago. XXXX grew up and lived in XXXXXXXXXXXX until she moved here in XXXX | Client 04/09/2026 12:07 PM; Uploaded XXXXXXXXXXX XXX passport. XXXX became a XXX citizen a few years ago. XXXX grew up and lived in XXXXXXXXXXXX until she moved here in XXXXXXX XXXXXX you. Reviewer 04/09/2026 12:33 PM; Condition has been reviewed |
04/09/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1691936 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514514 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXXXXX the final XXXXXXX loan closing disclosure from original file required under the XXXXXX XXXXXX XXXX XX with bridge program. XXXXXXX submit. | Received | Reviewer 04/01/2026 12:15 PM; Please return to original XXX upon receipt of critical doc. Reviewer 04/02/2026 12:03 PM; Received document. XXXXX returned to XXXXXXX XXX for review |
04/02/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691939 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514523 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXX provide updated hazard policy with the XXXXXXXXX amount & XXXXXXX XXXXXXXX reflected. | Reviewer 04/09/2026 08:55 AM; HOI provided does not reflect the subject property address Client 04/09/2026 03:37 PM; Hi, policy number matches the certificate of insurance previously uploaded proving the policy is for the subject property and borrower. XXXXXXXX Reviewer 04/09/2026 03:44 PM; Reviewer 04/10/2026 10:01 AM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
04/10/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1692389 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9679987 | 340 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Insurance Missing (MI or Project) | XXXXXXXXXXX require XXXX months rent loss coverage to be verified, XXXXXXXXXX docs do not reflect XXXXX loss. | Copy of full insurance policy is uploaded. XXXXX XX of XXX item XXXX says XXXX rental value. | Client 04/21/2026 01:03 PM; Copy of full insurance policy is uploaded. XXXXX XX of XXX item XXXX says XXXX rental value. XXXXX should suffice. XXXXXX you. Reviewer 04/21/2026 02:27 PM; Condition has been reviewed |
04/21/2026 | A | 1 | XXXXXXXXXX | VA | 3 | 13 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1692465 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9685225 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | XXXXXXXX XXXXXXXXX payment history for XXXXXX XXXXXXXX XXXXXXXXX loan XXXXXXX secured by the property located on XXX XXXX XXXXXXXXX | There is a XXXXXX from XXXXX – XXXXX with last payment XXXXXXXX XXXXX is on XXXXXXXX XXXX XXXX mtg was in the deceased husband’s name only; therefore, using the XXXXXX pay history. | Client 04/22/2026 01:42 PM; Appears there is a XXXXXX from XXXXX – XXXXX with last payment XXXXXXXX XXXXX is on XXXXXXXX XXXX XXXX mtg was in the deceased husband’s name only. XXX should be able to use the XXXXXX pay history. XXXXXX you. 
 Reviewer 04/22/2026 02:42 PM; Condition has been reviewed |
04/22/2026 | A | 1 | XXXXXXXXXX | OH | 1 | 1 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1689021 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568671 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX fraud report for the coborrower. XXXX file only has a fraud report on the borrower. | Received fraud report for XX | Client 02/26/2026 04:47 PM; Both borrowers are on the fraud report. XXXXXXXX Reviewer 02/27/2026 07:16 AM; condition cleared |
02/26/2026 | A | 1 | XXXXXXXXXX | MO | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691794 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513959 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XX final loan approval reflecting the correct loan program was not provided. XXXX loan approval provided reflects the XXXXXXX XXXX XXXXX as XXXXXX but the XXXXX XXXXXXXX as XXXXXXXXX XXXXXXX XXXXXXXXXXXX XXXXXXXX updated loan approval with the correct information. | Received updated loan approval to show XXXXXXXXX XXXXXXX XXXXXXXXXX - XXX month XXXX statement. | Reviewer 03/05/2026 07:00 PM; The loan approval provided reflects the income document type as XXXXX XXXXXXXXXXXXX mo. XXXX data input reflects loan program as XXXXXXXXX XXXXXXX XXXXXXXXX |
03/05/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 3 | D | B | D | B | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1691894 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514425 | 904 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds | XXXXXX XXXXXXX XXX is required to verify cash to borrower of at least XXXXXXXXX as stated. | Received bridge loan XXX for prior primary with proceeds of XXXXXXXXX | Reviewer 03/27/2026 08:12 AM; Document provide was for subject property, not bridge loan. |
03/31/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1692265 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9633008 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXXX the required complete XX months cancelled checks or XXXX statements verifying alimony received in the amount of XXXXXXXXXX XXXX payments verified are XXXXXXXXXXXXXXX XXXXXXXX an additional XX months proof of receipt of alimony. | Exception approval received for lack of XX months receipt of alimony income/compensating factors: XXXXX is XXXX minimum XXXXX is XXXXXX XXXX is XXXX XXXX XXXX is XXXXXX XXXX borrower's reserves are XXXXXXXXXXXX or XXX months, and the required reserves are XX months. | Reviewer 04/09/2026 11:05 AM; Document uploaded is blank. XXXX remains open |
04/09/2026 | B | 2 | XXXXXXXXXX | ID | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | ||||||
| 1692756 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811714 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | XXXXXXXX executed final XXX from bridge loan. | Final executed XXX from bridge loan received | Reviewer 04/20/2026 09:52 AM; Bridge loan XXX received and file returned to XXXXXXX XXX for review. Client 04/20/2026 10:04 AM; Hi, could you please clarify why this is on hold? XXXX bridge XXX was already uploaded for this file. XXXXXXXX Reviewer 04/20/2026 10:18 AM; Email has been sent to XXXXXXXXX Reviewer 04/20/2026 01:46 PM; Final executed XXX from bridge loan received |
04/20/2026 | A | 1 | XXXXXXXXXX | ID | 1 | 1 | C | B | A | A | A | A | C | B | Safe Harbor QM (APOR) | 1 | ||||||
| 1689022 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568673 | 326 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Evidence Satisfaction of Debt | XXXXXXX report reflects XXXXXXXXX XXXXX XXXXXXXXX that is outstanding, XXXXXXXXXXXXXX is required verifying this is a closed account and paid, as well as the reason behind the lates reflected. XXXXXXXXXXX XXXXX in file shows that an exception may have been granted, however the final loan approval dated XXXXXXXXXXX does not reflect the exception. XXXXXXXX updated loan approval evidencing the approved exception. | Exception approval received for XXXXXXXXX account. XXXXXXXXXXXXX XXXXXXXX - XXX years credit depth, owned current residence for XX years, residual income XXXXXXX | Reviewer 03/04/2026 11:04 AM; Documents received did not include an exception approval for the mortgage with XXXXXXXXX and the derogatory payments and open account. |
03/04/2026 | B | 2 | XXXXXXXXXX | MD | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691829 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514316 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXX XXXX allowed on XXXX XXXX is XXXXXX XXXXXXXXX XXXX is XXXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX score where the minimum required is XXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | Reviewer 03/09/2026 12:32 PM; |
03/09/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1691914 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014303 | 423 | XXXXXXXXXX | Credit | UW Collateral | UW Collateral - UW - Appraisal Correction/Clarification | XXXX appraisal lists current rents for the subject and the file contains XXXXXXXXXX (no leases available) and they differ. XXXXX to determine actual unit rents and if unit XX is occupied or not as XXX states it is. | Unit XX is not occupied. XXXX the appraisal they gave XXXX for unit XX as it was vacant- photos support it as well so we used XXXX of economic rents of XXXXXXX to qualify. | Client 04/10/2026 12:43 PM; Unit XX is not occupied. XXXX the appraisal they gave XXXX for unit XX as it was vacant- photos support it as well so we used XXXX of economic rents of XXXXXXX to qualify. XXXXXX you. 
 Reviewer 04/10/2026 02:05 PM; Condition has been reviewed |
04/10/2026 | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691920 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514485 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXXXXXXXX approval for appraisal ordered through XXXX but not approved or in XXXX name. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXX where the minimum required is XXXX | Reviewer 03/12/2026 09:58 AM; |
03/12/2026 | B | 2 | XXXXXXXXXX | NE | 3 | 1 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1691935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514513 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXXXXX for the XXXXXXXXXXXX XXXXXX XXXX statement loan program require XX years of self-employment to be verified. XXX evidence the borrower has been self-employed for at least two years has been provided. | Updated XXXXX approval specifically gives approval to proceed with employment history. | Client 04/02/2026 11:44 AM; Updated XXXXX approval specifically gives approval to proceed with employment history. XXXXXXX clear or escalate further. XXXXXX you. Reviewer 04/02/2026 01:01 PM; Condition has been reviewed |
04/02/2026 | A | 1 | XXXXXXXXXX | NC | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691968 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514556 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XXXXXXXXXXX approval to use XXXXXXXXXX market rent for XXXXX calculation. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXX where the minimum required is XXXX | Reviewer 04/08/2026 09:17 AM; |
04/08/2026 | B | 2 | XXXXXXXXXX | IL | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1692388 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9658609 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXX require when subject property has been previously listed for sale, the subject property must be taken off the market on or before the application date. XXXX borrower must confirm in writing the reason for the prior listing. XXXX XXXX provided did not reflect the actual reason for the listing, nor was evidence provided of the date the listing was removed. | Received XXX | Reviewer 03/24/2026 11:56 AM; Received listing removal date of XXXXXXXXXXX XXXX XXXX provided did not reflect the actual reason for the listing. |
03/24/2026 | A | 1 | XXXXXXXXXX | MO | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1692756 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811713 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXXXXXXXX approval for rural subject property XXX acres. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXXXXXXX income of XXXXXXXXXXXXXX the minimum required of XXXXXXXX XXXX of XXXXXXXX where the maximum allowed is XXXXX | Reviewer 04/20/2026 09:32 AM; |
04/20/2026 | B | 2 | XXXXXXXXXX | ID | 1 | 1 | C | B | A | A | A | A | C | B | Safe Harbor QM (APOR) | 1 | ||||||
| 1692807 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9814315 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXXXX is failing XXX tolerance for the increase in the XXXXXXX XXXXXXX XXXXXXX fee on the final XXXXX XXXXXXXXXX amount is XXXXXX XXXXX a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation XXXXXX | Information provided | Reviewer 03/16/2026 12:49 PM; No documentation provided |
03/26/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | B | D | B | C | A | A | A | Non-QM | 1 | ||||||
| 1691868 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10071157 | 959 | XXXXXXXXXX | Credit | Closing Package | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect | XXXXXXXX on XXXXXXXX XXXXXXXXXXXX signed at closing, does not match escrows on XXXXXX in file. XXXXXXX provide corrected XXXXXX or XXXXX with corrected escrow amount. | client acknowledged - monthly escrow amounts are correct. XXXXXXXXXXX due to actual escrows are accurate on XXXX | Client 03/16/2026 10:19 AM; Hi, if XXXXXX grade, please waive. XXXXXXXX Reviewer 03/16/2026 10:31 AM; Reviewer 03/16/2026 11:55 AM; Hello
 XXXXX has been updated and will grade as a XXX 
 XXXXXX |
05/07/2026 | A | 1 | XXXXXXXXXX | NM | 1 | 13 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1688943 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568596 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXXXXX for the XXXXX loan program require gross rents on the subject to be the lesser of the XXXXX or actual rents received on subject lease. XXXXXXXXXX approved to use XXXX of net figure from XXXXXXX ledger for rents received through XXXXX due to no lease. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the minimum required is XXXXX XXXXXXX months of reserves where XX months are required; and XXXXXX credit payment history reporting back to XXXXXXXXX | Client 02/20/2026 04:49 PM; This exception is already reflected on the loan approval in file. XXXXXXX clear or clarify further. XXXXXX you. Reviewer 02/23/2026 12:08 PM; Condition has been reviewed |
02/23/2026 | B | 2 | XXXXXXXXXX | VA | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1689146 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8593657 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXX policy effective date is in the future. XXXXXXX provide updated hazard policy with the effective date corrected. | Information provided | Reviewer 03/02/2026 08:46 AM; no documentation provided |
03/05/2026 | A | 1 | XXXXXXXXXX | AZ | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691898 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514436 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | XXXXX XXXXXXXXXXX has approved missing XX pages of XXXX XXXXX XXXX statement. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXXXXX where the max allowed is XXXXX XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXXX XXXX of XXXXXXXX where the maximum allowed is XXX | Reviewer 03/23/2026 02:46 PM; |
03/23/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013917 | 83 | XXXXXXXXXX | Compliance | Compliance | Compliance - Section 32 - HOEPA High Flag | XXXXX loan fails XXXXXX XXXXXXX and fees. XXXX points and fees threshold of XXXXXXXXXXXXX has been exceeded by XXXXXXXXXXXXXX XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting refund XXX if discount points are bona fide, provide supporting documentation which reflects the starting unadjusted rate (i.e. XXXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXX XXXXXXXXXXXX etc.) to determine discount points are bona fide | undiscounted starting rate provided | Client 03/12/2026 03:51 PM; Hello, can you please provide your compliance report for our review? XXXXXX you. Reviewer 03/12/2026 04:23 PM; Reviewer 03/13/2026 02:41 PM; Hello,
 XXXXXXX has been uploaded.
 XXXXXX Client 03/20/2026 02:24 PM; Per XXXXXXXXX XXXXX and XXXXXXXX XXXXXXXXX XXXX initial XXX was XX discount points at a rate of XXXXXXXXXX XXXX XXXX XXX sent, signed on XXXX reducing rate to XXXXXXX and charging XX discount points stacked discount points for buying down rate shouldn’t calculate in sect XXX calculations.
 XXXX actual fees charged to borrower are much less than the threshold shows without including discount points
 
 Reviewer 03/20/2026 03:28 PM; Reviewer 03/23/2026 11:07 AM; Hello
 XXXXXXX provide the undiscounted/starting rate for further review. XXXXX please note that the XXXXXXX test in file also reflects a fail, please also provide the passing XXXXXXX test.
 
 XXXXXX Client 03/25/2026 12:54 PM; The XXXXXXXXXXX charge is a discount cost for buying down the rate from XXXXXXX to XXXXXXX 
 XXX shouldn’t count in the calculation since it’s a buy down, betterment for borrower . XXXXX uploanded attachment. XXXXXX you.
 
 
 Reviewer 03/25/2026 01:40 PM; Hello
 XXXXXX you for the details. XXXXXXXXXX uploaded provide the information we needed to update testing. XXXXX has now been cleared.
 
 XXXXXX Reviewer 03/25/2026 01:53 PM; |
03/25/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1691915 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514479 | 333 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Inconsistent | XXXX why XXXXXXXXXXXXX income has decreased in XXXXX as per XXXX on paystubs. | Not using XXXXX income | Reviewer 03/12/2026 12:47 PM; Did not receive XXXX for lower income |
03/12/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514502 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXX party verification of XXXXXXXXXXX % of ownership in XXXXXXXX is missing from the file. XXXX XXXX letter in file only addresses business asset utilization. | Biz search provided showing borrower as the only owner. | Reviewer 03/24/2026 11:53 AM; Documents received did not include verification of business ownership |
03/25/2026 | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691956 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514542 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX shock over XXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX months reserves when only XX months required, XXXX of XXXXXXX where the maximum allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXX | Reviewer 03/25/2026 07:55 AM; |
03/25/2026 | B | 2 | XXXXXXXXXX | AL | 1 | 13 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1691970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513732 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXX within XXX days of the note missing from the file. | Received XXX day XXXXX dated XXXXXXXXX | Client 03/30/2026 12:54 PM; Work number verification provided. XXXXXX you. Reviewer 03/30/2026 01:22 PM; TWN shows verified on XXXXXXXXX XXXXX dated XXXXXXXXXX which exceeds XXX business days Reviewer 03/30/2026 01:22 PM; TWN shows verified on XXXXXXXXX XXXXX dated XXXXXXXXXX which exceeds XXX business days |
03/31/2026 | A | 1 | XXXXXXXXXX | NV | 1 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1692366 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9657891 | 1015 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - IRS Transcripts required | XXXXXXXX XXXX XXXXXXXXXXXX on XXXX XXXX with XXXXXXX XXXX required for the super prime XXXX XX full doc program. | Received XXXX transcripts for XXXXX & XXXX | Reviewer 04/08/2026 02:51 PM; Documents received did not include the XXXX transcripts for XXXX job |
04/15/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1692761 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811722 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXX XX - XXX XXXXX XXXXXXXX has XXXXXXXX of XX vacancies allowed. XXXXXXXXXX approval in file, subject is at max of XX vacant properties. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXX of XXXXXX when only XX is required, and XXXX fico score where the minimum required is XXX | Reviewer 04/14/2026 01:32 PM; |
04/14/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 3 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691814 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10090545 | 959 | XXXXXXXXXX | Credit | Closing Package | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect | XXXXXX XXXXXXXX XXXXXXXX does not equal XXXXXXXXXXX XXXXXXXX XXXXXXX XXXXXXXX XXXXXXXXX | client acknowledged - monthly escrow is disclosed correctly. XXXXXXXXXXX due to actual escrows are accurate on XXXX | Client 02/26/2026 03:31 PM; Hi, if XXXXXX grade, please waive. XXXXXXXX Reviewer 02/26/2026 04:04 PM; Reviewer 02/27/2026 06:33 AM; Hello
 XXXXX has been updated and will grade as a XXXXX 
 XXXXXX |
05/07/2026 | A | 1 | XXXXXXXXXX | CT | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1688998 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568646 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXX XXXXXXXXXX requires XXX XXXXXXXXXXX approval. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required. XXXX of XXXX where the max allowed is XXXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | Reviewer 03/02/2026 08:50 AM; |
03/02/2026 | B | 2 | XXXXXXXXXX | NV | 1 | 1 | D | B | D | A | A | A | C | B | Non-QM | 1 | ||||||
| 1689022 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568672 | 379 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Letter of Explanation | XXXXXXXXXXX require a XXXXXXX of intent on departing primary residence, stating they will be departing and subject will be primary and if they will be retaining as rental. | Received borrower's XXX | Reviewer 03/04/2026 11:01 AM; Documents received did not include a XXXX from borrower |
03/04/2026 | A | 1 | XXXXXXXXXX | MD | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691810 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9513994 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXXX amount mot listed on verification of insurance | Client 03/03/2026 02:05 PM; HOI invoice in file used to determine premium. XXXXXX you. Reviewer 03/03/2026 03:14 PM; Reviewer 03/03/2026 04:27 PM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
03/03/2026 | A | 1 | XXXXXXXXXX | WI | 3 | 1 | C | B | C | A | N/A | N/A | C | B | Exempt | 1 | |||||||
| 1691820 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514005 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXX use of an appraisal not completed by an XXXX or by an XXXX not on its approved XXXX XXXXX for arms-length purchase transactions; refinance and XXXXX requires XXXXXXX XXXXXXXXXXX approval. XXXXXXXXXX approval in file to allow the use of the XXXXXXX appraisal. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX | Reviewer 03/05/2026 07:24 AM; |
03/05/2026 | B | 2 | XXXXXXXXXX | IL | 1 | 13 | C | B | A | A | A | A | C | B | Non-QM | 1 | ||||||
| 1691829 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514317 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXX program guidelines self employed individuals need at least a XX year employment history. XXXXXXXXX has been self employed for less than XX years. | Senior management approved for change from XXX to XXXXX income in the same line of work. XXXXXXXXX has been uploaded. | Client 03/11/2026 05:58 PM; Senior management approved for change from XXX to XXXXX income in the same line of work. XXXXXXXXX has been uploaded. XXXXXXXX Reviewer 03/11/2026 06:19 PM; Condition has been reviewed |
03/11/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1691881 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013718 | 861 | XXXXXXXXXX | Credit | Note | Note - Other: | XXXXX does not reflect interest only as XX | corrected note provided | Client 03/24/2026 02:55 PM; Note reflects interest of XXXXXXXXX which matches the XXXXX XXXXXXX provide additional clarity regarding this finding. XXXXXX you. Reviewer 03/24/2026 03:02 PM; Reviewer 03/25/2026 11:35 AM; Note is on incorrect note form. XXXXX updated note on XXXX note form. Reviewer 03/25/2026 11:36 AM; Hello
 XXXXXXXXX on the deficiency have been updated. XXXXX is on the wrong note form - loan closed as XXXX but note is on fixed rate note.
 
 XXXXXX |
04/08/2026 | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691884 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514406 | 447 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - 2yr Employment history not verified | XXXXXXXX of XX years self employment history required. XXXXXXXXX has less than XX year of self employment history. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXXXXX % where the maximum allowed is XXXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | Reviewer 03/18/2026 09:31 AM; |
03/18/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 1 | D | B | D | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691885 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514409 | 317 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Hud-1 from sale | XXX per the asset worksheet, the borrowers refinanced a property identified as XXXXXXXXX XXX XXX found in the file for that property. | Received XXX for XXX XXXXXXX | 04/02/2026 | A | 1 | XXXXXXXXXX | IN | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691894 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514423 | 897 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID CD- Other | XXXX fee section heading on page XX of final XXX are blacked out and not legible. XXXXXXX provide a clearer copy of the final XXXX | Information provided | Reviewer 03/27/2026 09:53 AM; Legible copy of final XXX dated XXXXX has not been provided. XXXXX to see the blacked out totals. XXXX XXXXX XXX was uploaded but this is not the final XX |
03/30/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | A | C | A | C | A | A | A | Non-QM | 1 | ||||||
| 1691896 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514432 | 750 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Report Date | XXXXX XXXXXXXXXXX approval to extend credit report expiration date to XXXX days. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXX of XXXXXX where the minimum required is XXXXXX XXXX fico score where the minimum required is XXXXXX | Reviewer 04/01/2026 02:26 PM; |
04/01/2026 | B | 2 | XXXXXXXXXX | MA | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1691903 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514446 | 262 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Report Missing | XXXXXXXXXX from broker was accepted as collateral. | Guidelines require appraisals to be completed by an XXXX approved appraisal. XXXXXXX XXXXXXXXXXX has approved use of an appraisal by an appraiser not XXXX approved. XXXXXXXXXXXXX factors are XXXX XXX months of reserves XXXX XXXX downpayment and XXXX prior mortgage history with XXX months reviewed. | Reviewer 03/11/2026 05:01 PM; |
03/11/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | D | B | A | A | A | A | D | B | Non-QM | 1 | ||||||
| 1691905 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514449 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX residual income per program is XXXXXXXXX XXXXXXXXX has XXXXXXX which requires management approval. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXX | Reviewer 03/05/2026 10:12 AM; |
03/05/2026 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691936 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514515 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX the full credit report for the borrower XXXXXX XXXXXXXXXX XXXXXXX submit | Received | Reviewer 04/01/2026 12:15 PM; Please return to original XXX upon receipt of critical doc. Reviewer 04/02/2026 12:01 PM; Received document. XXXXX returned to XXXXXXX XXX for review |
04/02/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691945 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013721 | 897 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID CD- Other | XXXXX proof of borrower's receipt of the XXXXX revised XXXX | information provided | Reviewer 04/13/2026 08:41 AM; X/XX XXX provided is signed but not dated. XXXXXX of when received has not been provided |
04/13/2026 | A | 1 | XXXXXXXXXX | MD | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||
| 1691946 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514532 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXXXXXXXX approval for XX units being less than XXXX sq ft. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXX of XXXXXX where the minimum required is XXXX | Reviewer 03/26/2026 09:29 AM; |
03/26/2026 | B | 2 | XXXXXXXXXX | HI | 3 | 13 | C | B | C | B | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1691947 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514535 | 868 | XXXXXXXXXX | Credit | Hazard Insurance | Hazard Insurance - Other: | XXXXXXXX XXXXXXX is not listed on XXXXXX of insurance. | Client 03/31/2026 12:23 PM; Hazard invoice supporting payment in file. XXXXXX you. Reviewer 03/31/2026 12:25 PM; Reviewer 03/31/2026 01:02 PM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
03/31/2026 | A | 1 | XXXXXXXXXX | KY | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1691969 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514558 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXX management approval required for XXXXXX XXXXX XXXXXXXXX at XXXX XXXXXX | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXX XXXX fico score where the minimum required is XXX | Reviewer 03/27/2026 11:23 AM; |
03/27/2026 | B | 2 | XXXXXXXXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691984 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514277 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXXXXXX income was claimed on the subject property from XXXXX XX which was not listed on the appraisal as an adjacent unit. XXXXXXXXXXXXX the income was verified with a lease; however, they did not verify the required XX months XXXX statements evidencing rents recieved, in accordance with the program guidelines. XXXXXXX provide a clarification on the rental unit as part of the subject property (a single family property) and an exception for less than the required documentation for using rental income from the subject property. | There are XX loans completed for this borrower. XXXXXXX a full doc loan for his primary dwelling, and XXXXXXX a XXXXX loan we did for the XXXXX XX property. XXXX clarity, they are separate properties. | Client 04/03/2026 01:05 PM; There are XX loans we did for this borrower. XXXXXXX a full doc loan for his primary dwelling, and XXXXXXX a XXXXX loan we did for the the XXXXX XX property. XXXX clarity, they are separate properties. XXXXXX you. Reviewer 04/06/2026 08:09 AM; Condition has been reviewed |
04/06/2026 | A | 1 | XXXXXXXXXX | OH | 1 | 13 | C | A | C | A | A | A | A | A | Non-QM | 1 | ||||||
| 1691991 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514280 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | XXXXXXX provide personal guaranty for XXXXXX XXXXXXXX | Information provided | Reviewer 04/08/2026 10:10 AM; page XX of XXX uploaded does not reflect XXXXXX name. XXXXXXX provide corrected XX Client 04/09/2026 02:27 PM; Please confirm if you just need the XXXX page corrected or if we have to get the XXXXXXXXX XXXXXXXXX signed again. XXXXXX you. Reviewer 04/09/2026 03:16 PM; Reviewer 04/10/2026 09:58 AM; Hello
 XXXX just the XXXXX page that needs to be corrected.
 
 XXXXXX |
04/14/2026 | A | 1 | XXXXXXXXXX | TN | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1692002 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514297 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXX of XXXX exceeds maximum allowed of XXXX for waived impounds. | Received exception approval to waive escrows. XXXXXXXXXXXXX XXXXXXXX - XXXX XXXX max XXXXX XXXXXX XXXXX minimum XXXXX over XXX years reserves- minimum XX months. | Reviewer 04/09/2026 11:03 AM; The document received was a blank page. |
04/09/2026 | B | 2 | XXXXXXXXXX | TN | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1692265 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9633006 | 258 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Completion Certification | XXXXXXXX the XXXXXXXXXXX XXXXX (form XXXX or XXXXXX dated XXXXXX XXXXXXX & original photos. XXXXXXX provide the updated appraisal XXXXXXX | Client waived XXXXXX for landscaping due to weather with compensating factors: XXXXX is XXXX minimum XXXXX is XXXXXX XXXX is XXXX XXXX XXXX is XXXXXX XXXX borrower's reserves are XXXXXXXXXXXX or XXX months, and the required reserves are XX months. | Reviewer 04/09/2026 05:38 PM; Received loan approval for escrow holdback for landscaping of backyard and XXXXXXXX appears on seller's XXXXX XXXXXXX provide the escrow holdback agreement signed and dated. Client 04/16/2026 01:04 PM; The escrow holdback is seller paid and doesn’t impact XXXXXXXXXXX loan. XXX shouldn’t be required to clear diligence. XXXXXX you. Reviewer 04/16/2026 01:13 PM; Hi, the condition is regarding the appraisal is "subject to" Client 04/16/2026 01:40 PM; Appraisal is subject to completion of landscaping, which is what the holdback is about. XXXXXXXX what is required to clear this finding. XXXXXX you. Reviewer 04/16/2026 01:52 PM; An appraised value is based on "as is" not "subject to". Client 04/17/2026 05:28 PM; Updated loan approval addressing "subject to" appraisal uploaded to file. XXXXXX you. Reviewer 04/19/2026 12:28 PM; The document received did not include the final inspection XXXXXXX signed and dated by the appraiser. Reviewer 04/20/2026 07:58 AM; Condition has been reviewed |
04/20/2026 | B | 2 | XXXXXXXXXX | ID | 1 | 1 | C | B | C | B | A | A | C | B | Non-QM | 1 | ||||||
| 1692789 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9811749 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for addition of XXXX XXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | Information provided | Reviewer 04/15/2026 08:49 AM; No documentation provided |
04/16/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1691910 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10014110 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | XXXXX XXXXXXXXXXX approval required for rural property. XXXXXXXX is classified as rural. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the maximum allowed is XXXXXX XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXXXX | Reviewer 03/30/2026 09:52 AM; |
03/30/2026 | B | 2 | XXXXXXXXXX | KS | 1 | 1 | C | B | C | B | C | B | C | B | Safe Harbor QM (APOR) | 1 | ||||||
| 1691927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10016148 | 338 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Contract approval incomplete/not current | XXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXXXX copy of addendum presented to the tenants indicating that the XXXXXXX notices has been delivered to the tenants due to borrower's intent to occupy. | Tenant XXXXXXXXX provided. | Reviewer 04/03/2026 09:22 AM; tenants have been presented with XXXXXXXXX purchase contract addendum indicating that the XXXXXXX notice has been delivered to the tenants due to borrower's intent to XXXXXXXXXXXXXXXX XXXXXXX provide XXX day notice |
03/31/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1692018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514309 | 431 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing | XXXX XXXXXX XXXXXX - XXXXXXXX XXXXXXXXXXXXX we received XX months of account statements. XXXXXXXXXXX requires two XXXXXX months of statements. | The statement for XXX is for XXXX thru XXXX due to no activity. | Client 04/06/2026 11:29 AM; Per team comments – this is the only statement for XXX its for XXXX thru XXXX due to no activity. XXXXXX you, Reviewer 04/06/2026 11:42 AM; Condition has been reviewed |
04/06/2026 | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1692366 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9657892 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXX XXXX is over XXXXXX XXXXXX the XXXXXX XXXXXX XXXX XX XXXXX doc program when the XXXX is under XXXX the XXXX XXXX is XXXX and the borrowers XXXX is XXXXXXXXXX | Added the XXXXXXXXXXXXXX debt back into the XXXXXX XXXXXX her current pay amount for XXXX XXXX – XXXXXXX XXXXXXXXXXXXX XXXXXXXXXXX per hour x XXX hours biweekly) XXXXXXX was increased slightly, XXXX is XXXXXXXXX | Client 04/06/2026 12:40 PM; Please provide additional clarity regarding XXXX calculation. XXXXXX XXXX calculated as XXXXXXXXXX XXXXXX you. Reviewer 04/06/2026 01:15 PM; Income XXXXXXXXXXXXX XXXXX XXXXXXXXXXX + XXXXXX XXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX appears the XXXXXXXXX (credit report) was not included in the XXXX Reviewer 04/06/2026 01:16 PM; Income XXXXXXXXXXXXX XXXXX XXXXXXXXXXX + XXXXXX XXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX appears the XXXXXXXXX (credit report) was not included in the XXXX Client 04/06/2026 03:49 PM; The XXXXXX card was paid at closing. XXXXX we do not add a credit report fee to the XXXXXX XXXXXX you. Reviewer 04/06/2026 04:01 PM; The credit report reflects a XXXXXX XXXXX balance of XXXXXXXXXXXXX XXXX XXXXXX XXX dated XXXXXXXXXX show that the card balance was paid. XXX Client 04/07/2026 12:20 PM; Still unclear regarding this finding, card balance was paid off at closing. XXXXXXX clear or provide additional clarity on this finding. Reviewer 04/07/2026 12:44 PM; Hi XXXXXXX the credit report reflects a XXXXXX XXXXX balance of XXXXXXXXXXX (payment of XXXXXXXXXXXXXXXXXX XXXX XXXXXX XXX dated XXXXXXXXXX does not reflect the balance being paid at closing. XXXXXXXX documentation the account was paid XXX Reviewer 04/07/2026 12:44 PM; The credit report reflects a XXXXXX XXXXX balance of XXXXXXXXXXX (payment of XXXXXXXXXXXXXXXXXX XXXX XXXXXX XXX dated XXXXXXXXXX does not reflect the balance being paid at closing. XXXXXXXX documentation the account was paid Client 04/07/2026 04:05 PM; We have added the debt back into the XXXXXX XXX also used her current pay amount for XXXX XXXX – XXXXXXX XXXXXXXXXXXXXX to XXXXXXXXX per hour x XXX hours biweekly, this new income comes up to XXXXXXXXXXX per month. XXXXXXX was increased slightly, XXXX under XXXXXX XXXXXX you. Reviewer 04/07/2026 05:24 PM; Condition has been reviewed |
04/07/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1691817 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514000 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXX property XXXXXXXXXX XXXXXXXXX gross rental income of XXXXXXXX @ XXXX for resulting in a net rental income of XXXXXXXX monthly was used as income to qualify for the loan which per guidelines is not permitted without senior management approval and would furthermore require a fully executed lease agreement. | Mgmt approval to use the lease provided. | Reviewer 04/07/2026 03:53 PM; Provide the lease for XXXX signed by all tenants. |
04/08/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 13 | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1691823 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514012 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXX maximum XXXX is XXXXXX XXXXX is at XXXX unstacked. XXXX warrantable condo max is XXXX and a XXX reduction for the decling market. | Received exception approval for XXXXX non-warrantable condo and declining market. XXXXXXXXXXXXX XXXXXXXXX XXXX months reserves are required. XXXXXXXXXX have XXXXXX months reserves. XXXXXXXXX income of XXXXXXX is required. XXXXXXXXXX have XXXXXXXXXXX in XXXXXXXXX income. XXXXX XXXXXXXXX history is XXXXXXXXX | Client 03/05/2026 01:11 PM; Hi, loan has XXXXXXX points stacked, XXXX is the stacked XXXX not the base. XXXX XXXX is the base and is within guidelines for this loan. XXXXXXXX Reviewer 03/06/2026 09:04 AM; Condition has been reviewed |
03/05/2026 | B | 2 | XXXXXXXXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1691860 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514361 | 901 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID Other | XXXXX is non-trid compliant due to XXXX increasing by greater than XXXXXX on XXXXX XXX and the additional XX day waiting period was not given. | Information provided | Client 03/11/2026 02:59 PM; Hello, our compliance team is requesting additional detail regarding this finding. XXX there a compliance calculation or report from your team that XX can provide to our own? XXXXXX you. Reviewer 03/11/2026 03:38 PM; Client 03/12/2026 12:26 PM; if we refunded XXXXXX for the XXXX difference would this change the loan from an XXXXXXX XXXXXX you. Reviewer 03/12/2026 12:50 PM; Reviewer 03/12/2026 12:50 PM; Hello
 XXXX file contains XX XXXXX issued XXXXXX XXXXXX and XXXXX with disclosed XXXXXX of XXXXXXX XXXXXXXXXX XXXXXXX XXXXXXXXX and XXXXXXX XXXXXXXXX the XXXX increases greater than XXXXXX on the XXXXX XXXXXX XXXXX also uploaded the test for your review.
 
 XXXXXX Reviewer 03/12/2026 01:53 PM; Hello
 XXXX if evidence of refund, XXXX to borrower and XXXXX is provided this will result in a XX grade.
 
 XXXXXX |
03/16/2026 | A | 1 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1691872 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514378 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | XXXXX XXXXXXXXXXX approved XXXX of XXXX bridge and XXXX purchase. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXXXX XXXX fico score where the minimum required is XXXXX XXXX of XXXX where the max allowed is XXXXX | Reviewer 03/25/2026 09:30 AM; |
03/25/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1691875 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514384 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXXXXXXXXXX for the XXXXX loan program require XX months rent loss insurance. XXXX the hazard policy provided, no rent loss coverage is indicated on the policy. | Received XXXX with fair rental value coverage > XX months | Reviewer 04/09/2026 10:35 AM; Document received did not include the XX months rent loss XXX |
04/13/2026 | A | 1 | XXXXXXXXXX | KY | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1689002 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013724 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | XXX tolerance violation for addition of XXXXXX XXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXXX XX refund in the amount of XXXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXXX | information provided | Client 02/26/2026 02:45 PM; Disclosure XXXXXXXXX in file addresses addition of XXXXXX XXXX directly. XXXXXXX clear or escalate further. XXXXXX you. Reviewer 02/26/2026 03:21 PM; Reviewer 02/27/2026 08:55 AM; NO documentation provided Reviewer 02/27/2026 03:07 PM; Hi,
 XXXXXXXXXXX tracking in file does not reflect the addition of the trust fee. XXXXXXX upload the tracking that does reflect this for review Client 02/27/2026 03:19 PM; Please see CASDWXXXXXXXXX_Disclosure Tracking_Disclosure XXXXXXXXX XXXXXXXX CD_XXXXXXXXXXXX_XXXXXX.pdf in file. XXXXXX you. Reviewer 02/27/2026 03:48 PM; Reviewer 03/02/2026 02:02 PM; Hello
 XXXX XXXX uploaded does not give a reason for the addition of fee, it only states "trust fee added"
 
 XXXXXX Client 03/03/2026 02:10 PM; The trust document fee was added due to the borrower’s election to utilize a trust for title purposes after initial disclosures were issued. XXXXX borrower-initiated change required additional trust document preparation and review services that were not applicable or known at the time of initial disclosure (preliminary supplemental title report dated XXXXXXXXXXX XXXX XXXX reflects the addition of the XXXXXX trust fee XXXXX dated XXXXXXXXX and the basis for the fee is Reviewer 03/03/2026 03:14 PM; Reviewer 03/04/2026 11:32 AM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
03/04/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 13 | C | B | A | A | C | A | C | B | Non-QM | 1 | ||||||
| 1691882 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514401 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | XXXXXXXXXXX state max XXXX XXXX when XXXX is over XXXXX XXXXXXXXXX XXXX is XXXXXXXXXX | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX with XXXXX XXXXXXXXX XXXXX XXXX when min XXXXX required XXXXX XXX months rent verified good rental history. XXXX XXXX when max XXXX is XXX | Reviewer 03/02/2026 06:21 PM; |
03/02/2026 | B | 2 | XXXXXXXXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 | ||||||
| 1691893 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514421 | 259 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Disaster Recertification Required | XXXXXXXX recertification of value. XXXXXX the guidelines, the appraisal cannot be over XXXX days old. XXXX XXXXX date is XXXXXXXXXXXX XXXX appraisal was XXXX days on XXXXXXXXXXX | Client waived: compensating factors: XXXXX is XXXX and the minimum XXXXX is XXXXXX XXXX borrower has residual income of XXXXXXXXX and the required residual income is XXXXXXXXXX XXXX borrower has reserves of XXXXXXXXXXXXX or XXXXXX months and the required reserves are XX months. | Reviewer 03/10/2026 07:25 PM; |
03/10/2026 | B | 2 | XXXXXXXXXX | WA | 1 | 3 | C | B | C | B | A | A | C | B | Non-QM | 1 | ||||||
| 1691907 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10013916 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | XX months reserves required per program guidelines. XXXXXXXXX has less than XX months reserves which requires XXXXX XXXXXXXXXXX approval. | Exception received for lack of reserves. XXXXXXXXXXXXX XXXXXXXX - XXXX XXXXXXX max XXXXXXXX XXXXXX is well supported with a XXX | Reviewer 03/12/2026 07:56 AM; Senior XXXXXXXXXXX approval was given for missing XX month reserves. XXXXXXXXX is short XXXXXX months reserves. XXXXXXXX updated approval. |
03/25/2026 | A | 1 | XXXXXXXXXX | UT | 1 | 1 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1691927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10016149 | 340 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Insurance Missing (MI or Project) | XXXX policy in file for XXXXX XXXX XXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXXXXXX XXXXXXXXX XXXXXXX XXXXXXX listed as insured party. document dated XXXXXXXXXXX as investment policy. XXXXXXXXX address not listed on XXXXX for ownership. | One policy is for the main home and one for the XXXX in the back which the borrower will be renting out. XXXXX home is a corner lot and the XXXX has a separate address. | Client 04/09/2026 01:13 PM; One policy is for the main home and one for the XXXX in the back which the borrower will be renting out.
 XXXXX home is a corner lot and the XXXX has a separate address. XXXXXX you. 
 Reviewer 04/09/2026 03:17 PM; Condition has been reviewed |
04/09/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1691927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 10016152 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | XXX required by the XXXX XXXXXXXX XXXXX the name, date of birth, address and identification number of each borrower must be verified. XXXXXXXX pictured identification documents. | The XXXX XXXXXXXX XXXX form was notarized as having viewed the identify documents | Client 03/30/2026 03:29 PM; Completed XXXXXXXX XXXX XXXXX includes the necessary verification of documents. XXXXXX you. Reviewer 04/01/2026 04:44 AM; Condition has been reviewed |
03/30/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1691943 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514527 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | XXX per XXXXXXX XXXX and XXXXX XXXXXX paystubs, the borrower is still currently on leave. XXX is unknown when they plan to return. XXX per XXXXXXXXX guidelines, if the borrower is not off leave by the XXXXX payment then that income cannot be considered. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX primary has a mortgage history of XXXXXXXXXX XXXXXXXXX of XX months is required. XXXXX have XXXXXXXX months reserves. XXXXXXXXX income of XXXXXXX is required. XXXXXXXXX has XXXXXXXXXXXXX in XXXXXXXXX income. | Client 03/27/2026 04:44 PM; Even if she has not returned to work, she’s still receiving income in the amount of about XXXXXXXX per pay period, which results to XXXXXXXX per month. XXXXXX asset depletion, we’re already calculating about XXXXXXXXX in income per month. XXXXXX liabilities equate to XXXXXXXXXX XXXXX a loan size of XXXXXXX at a rate of XXXXXXXX with taxes and insurance being XXXXXXXXXXX XXXX should be about XXXXXXXXX which is still under guidelines XXXX XXXX threshold. XXXXXX you. Reviewer 03/29/2026 02:28 PM; Condition has been reviewed |
03/29/2026 | B | 2 | XXXXXXXXXX | AZ | 2 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1691957 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514544 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXXXXXX shock over XXXXXX requires XXXXX XXXXXXXXXXX approval. | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXXXXXXX income of XXXXXXXXX exceeds the minimum required of XXXXXX | Reviewer 03/31/2026 08:35 AM; |
03/31/2026 | B | 2 | XXXXXXXXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1692366 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9657890 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXXX XXXXXXX XXXX on XXXX job XXXXXXX XXXX required for the super prime XXXX XX full doc program. | Received XXXX | Reviewer 04/08/2026 02:51 PM; Documents received did not include the XXXXX for XXXX job |
04/21/2026 | A | 1 | XXXXXXXXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1689025 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 8568678 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | XXXXXXX the borrower's XXX employment within XXX calendar days prior to the note date as required per guidelines for all borrowers using employment income to qualify. | Received XXX day XXXX | Reviewer 02/26/2026 05:02 PM; Did not receive the XXXXX for XXXXXX |
02/27/2026 | A | 1 | XXXXXXXXXX | OR | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | ||||||
| 1692009 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 9514301 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | XXXX bridge loans require XXXXXXX XXXXXXXXXXX approval. XXXXXXXX approved exception from XXXXXXX XXXXXXXX allowing XXXXXXX XXXXXX | Approval document provided reflects XXXXX approval for XXXXXXX loan. | Client 04/02/2026 01:28 PM; Hi, this is not a bridge loan. XXXXX is the associated purchase of a new primary. XXXXXXXX Reviewer 04/02/2026 03:55 PM; Received the XXXXXXX loan XXXXX XXXX not receive XXXXXXX XXXXX approval allowing bridge loan. Reviewer 04/02/2026 04:40 PM; Per XXXXX XXXXXXXXXX XXXX will be doing a XXXXXXX XXXXX on the father's home |
04/03/2026 | A | 1 | XXXXXXXXXX | WA | 1 | 1 | C | A | C | A | A | A | A | A | Non-QM | 1 |