Exhibit 99.04 Schedule 4
| Loan ID | Seller Loan ID | Investor Loan ID | Transaction ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 6000104907 | XXXXXXXXXXXX | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-12-16 13:41 | 2026-05-06 10:02 | Resolved | 1 - Information | D | A | Property | Missing Doc | 3rd Party Valuation Product is Required and Missing | Resolved-3rd Party Valuation Product is Required and Missing -
Due Diligence Vendor-12/22/2025 _x000D_ Ready for Review-CDA by ClearCapiltal provided to support the appraised value. Exception cleared. - Due Diligence Vendor-12/22/2025 _x000D_ Ready for Review-Document Uploaded. See attached CDA Supporting - Buyer-12/22/2025 _x000D_ Open-3rd Party Valuation Product is Required and Missing The CU in file reflects a score of 3.4. The file does not contain a XXXX Collateral Desktop Analysis (CDA) or a XXXX Appraisal Risk Review as required per guidelines dated xxxxxx. - Due Diligence Vendor-12/16/2025 |
Resolved-3rd Party Valuation Product is Required and Missing -
Due Diligence Vendor-12/22/2025_x000D_ |
XXXXXXX, CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | TN | Primary Residence | Refinance | Cash Out - Other | XXXXXXXXXXXX | |||||||
| 6000104917 | XXXXXXXXXXXX | C | B | C | B | A | A | A | A | Closed | 123ABJ | 2025-12-31 09:31 | 2026-01-23 11:53 | Acknowledged | 2 - Non-Material | B | B | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Open-Per guidelines
verification of business existence and that the business is fully
operational/active is required within 10 calendar days of closing. The file contains written
CPA letter dated XXXXX, SOS business in good standing dated XXXXX, 24 months
bank statements and processor certification of website and verbal
verification from CPA dated XXXXXXX.
Loan closedXXXXX and disbursed XXXXX.
One day Exception granted to allow
use of 10/24/2025 documentation with additional post close CPA letter
dated XXXXX. - Due Diligence Vendor-02/13/2026 _x000D_ Acknowledged- - Due Diligence Vendor-01/23/2026 |
0 X30 X 24 Mortgage History, FICO 20 points above minimum,
Reserves > 6 mos than requirement, Time at employment > 5 years, DTI
below max by 5%, Residual Income $1,000 above minimum |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | XXXXXXXXXXXX | ||||||
| 6000104920 | XXXXXXXXXXXX | D | B | D | B | C | A | A | A | Closed | FCRE8728 | 2026-01-05 08:48 | 2026-01-08 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Payment History | Resolved- Document provided verified the terms of the debt;
exception cleared. - Due Diligence Vendor-01/08/2026 _x000D_ Ready for Review-Document Uploaded. See attached statement confirming the monthly payment. - Buyer-01/08/2026 _x000D_ Open-Documentation to support payment and balance of XXXX debt was not located in the file. The payment of $XXXXXX and balance of $XX,XXXXX from the loan application was used to calculate DTI. It is noted, the file contains a letter of explanation from the Borrower addressing this account and indicates a statement was provided. This statement was not located. - Due Diligence Vendor-01/05/2026 |
Resolved- Document provided verified the terms of the debt;
exception cleared. - Due Diligence Vendor-01/08/2026_x000D_ |
XXXXXX XXXX LOX and Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | MA | Primary Residence | Purchase | NA | XXXXXXXXXXXX | |||||||
| 6000104920 | XXXXXXXXXXXX | D | B | D | B | C | A | A | A | Closed | FCOM1651 | 2026-01-02 16:28 | 2026-01-08 12:11 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Home Loan Toolkit Disclosure/Booklet Not Provided Within 3 Days of Application Date | Resolved-Home Loan Toolkit Disclosure provided within 3 days of
application. - Due Diligence Vendor-01/08/2026 _x000D_ Ready for Review-Document Uploaded. See confirmation the Toolkit was provided within 3 days of application. - Buyer-01/08/2026 _x000D_ Open-Home Loan Toolkit is missing from file. - Due Diligence Vendor-01/02/2026 |
Resolved-Home Loan Toolkit Disclosure provided within 3 days of
application. - Due Diligence Vendor-01/08/2026_x000D_ |
XXXXX Home Loan Tool Kit Disclosure tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | MA | Primary Residence | Purchase | NA | XXXXXXXXXXXX | |||||||
| 6000104920 | XXXXXXXXXXXX | D | B | D | B | C | A | A | A | Closed | FCRE5116 | 2026-01-05 07:26 | 2026-01-05 10:45 | Acknowledged | 2 - Non-Material | B | B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per the Non-QM A guidelines, housing payment history must be documented with 12 months cancelled checks, bank debits or institutional VOM. The mortgage history was documented with a credit report to reflect 0x30x24. The file contains an approved exception allowing for the usage of the credit report to validate the mortgage history. - Due Diligence Vendor-02/13/2026 | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is Missing. Per the Non-QM A guidelines, housing payment
history must be documented with 12 months cancelled checks, bank debits or
institutional VOM. The mortgage
history was documented with a credit report to reflect 0x30x24. The file contains an approved exception
allowing for the usage of the credit report to validate the mortgage history.
- Due Diligence Vendor-02/13/2026_x000D_ |
0 X30 X 24 Mortgage History, Reserves > 6 mos than
requirement, Time at employment > 5 years,
DTI below max by 5%, Residual
Income $1,000 above minimum, LTV 10% under max allowance |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | MA | Primary Residence | Purchase | NA | Investor Post-Close | No | XXXXXXXXXXXX | |||||
| 6000104909 | XXXXXXXXXXXX | B | B | B | B | A | A | A | A | Closed | FCRE5116 | 2025-12-30 11:13 | 2025-12-30 14:16 | Acknowledged | 2 - Non-Material | B | B | Credit | Missing Doc | Missing VOM or VOR | Open-Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Per Client
guidelines, housing payment history must be documented with 12 months
cancelled checks, bank debits or institutional VOM. The mortgage history was documented with a
credit report to reflect 0x30x24. The
file contains an approved exception allowing for the usage of the credit
report to validate the mortgage history. - Due Diligence Vendor-02/13/2026
_x000D_ Acknowledged- - Due Diligence Vendor-12/30/2025 |
0X30X24 Mortgage History, FICO 20 points above minimum, Reserves > 6 mos than requirement, DTI below max by 5% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | XXXXXXXXXXXX | ||||||
| 6000104922 | XXXXXXXXXXXX | B | B | B | B | A | A | A | A | Closed | FCRE1437 | 2025-12-18 08:54 | 2025-12-18 11:52 | Acknowledged | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Acknowledged-Income and Employment Do Not Meet Guidelines Qualifying income using business bank statements will be the lower of the Expense Ratio formula or monthly income disclosed on the initial signed 1003. Qualifying income of $XX,XXXXX is more than the income stated on the initial signed 1003 of $XXX,XXX.XX. The file contains an approved exception for use of calculated income for qualifying vs initial 1003 income. - Due Diligence Vendor-12/18/2025 | Acknowledged-Income and Employment Do Not Meet Guidelines
Qualifying income using business bank statements will be the lower of the
Expense Ratio formula or monthly income disclosed on the initial signed 1003.
Qualifying income of $XXXXX,XXXXX is more than the income stated on the
initial signed 1003 of $XXXX,XXXXX.96.
The file contains an approved exception for use of calculated income
for qualifying vs initial 1003 income. - Due Diligence
Vendor-12/18/2025_x000D_ |
Months Reserves exceed minimum required - Reserves of
$XXXXX,XXXXX exceed the required reserves of $XXXX,XXXXX by
$XXXX,XXX.XX._x000D_ Qualifying Credit Score - 751 Representative credit score exceeds the minimum required credit score of 720 by 31 Points._x000D_ Qualifying DTI below max allowed. - 25.55% DTI is below maximum DTI of 50%. |
0 X30 X 24 Mortgage History, FICO 20 points above minimum, Reserves > 6 mos than requirement, DTI below max by 5%, Residual Income $1,000 above minimum | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | CA | Primary Residence | Purchase | NA | Investor Post-Close | No | XXXXXXXXXXXX | ||||
| 6000104922 | XXXXXXXXXXXX | B | B | B | B | A | A | A | A | Closed | FCRE5116 | 2025-12-18 08:46 | 2025-12-18 11:45 | Acknowledged | 2 - Non-Material | B | B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Document is Missing. Per Client guidelines dated xxxxxx, housing payment history must be documented with 12 months cancelled checks, bank debits or institutional VOM. The mortgage history was documented with a credit report to reflect 0x30x24. The file contains an approved exception allowing for the usage of the credit report to validate the mortgage history. - Due Diligence Vendor-02/13/2026 | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is Missing. Document is Missing. Per Client guidelines dated xxxxxx, housing payment
history must be documented with 12 months cancelled checks, bank debits or
institutional VOM. The mortgage
history was documented with a credit report to reflect 0x30x24. The file contains an approved exception
allowing for the usage of the credit report to validate the mortgage history.
- Due Diligence Vendor-02/13/2026_x000D_ |
Months Reserves exceed minimum required - Reserves of
$XXXXX,XXXXX exceed the required reserves of $XXXX,XXXXX by
$XXXX,XXX.XX._x000D_ Qualifying Credit Score - 751 Representative credit score exceeds the minimum required credit score of 720 by 31 Points._x000D_ Qualifying DTI below max allowed. - 25.55% DTI is below maximum DTI of 50%. |
0 X30 X 24 Mortgage History, FICO 20 points above minimum,
Reserves > 6 mos than requirement , DTI below max by 5%, Residual Income
$1,000 above minimum |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | CA | Primary Residence | Purchase | NA | Investor Post-Close | No | XXXXXXXXXXXX | ||||
| 6000104924 | XXXXXXXXXXXX | B | B | A | A | A | A | B | B | Closed | FVAL5524 | 2026-01-05 10:50 | 2026-01-05 13:12 | Acknowledged | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Acknowledged-Ineligible Property Subject property is zoned SFR and light agricultural. Agricultural zoning is ineligible per guidelines. The appraisal does not reflect any agriculture buildings, but does indicate there is a small fruit/orchard area. An approved exception for zoning was provided. - Due Diligence Vendor-01/05/2026 | Acknowledged-Ineligible Property Subject property is zoned SFR
and light agricultural. Agricultural zoning is ineligible per
guidelines. The appraisal does not
reflect any agriculture buildings, but does indicate there is a small
fruit/orchard area. An approved
exception for zoning was provided. - Due Diligence
Vendor-01/05/2026_x000D_ |
FICO 20 points above minimum, Reserves > 6 mos than
requirement, DTI below max by 5%, Residual Income $1,000 above minimum, LTV
10% under max allowance |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | XXXXXXXXXXXX | |||||
| 6000104938 | XXXXXXXXXXXX | B | B | B | B | A | A | A | A | Closed | FCRE5116 | 2025-12-16 19:02 | 2025-12-18 11:41 | Acknowledged | 2 - Non-Material | B | B | Credit | Missing Doc | Missing VOM or VOR | Open-Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. The credit report reflects three mortgages, one of which
is secured by the primary residence.
Per guidelines dated xxxxxx, housing payment history must be evidenced
by 12 months proof of payment via cancelled checks, bank debits or
institutional VOM. A credit report
cannot be used to evidence the housing payment history. This additional documentation was not
located in file. An exception was not
provided. - Due Diligence Vendor-02/13/2026 _x000D_ Acknowledged-Exception received to allow the usage of the credit report, that reflects mortgage histories of 0x30x24, to validate mortgage history. - Due Diligence Vendor-02/13/2026 _x000D_ Ready for Review-Document Uploaded. The loan file delivered contains a valid exception. - Buyer-12/18/2025 |
Acknowledged-Exception received to allow the usage of the credit
report, that reflects mortgage histories of 0x30x24, to validate mortgage
history. - Due Diligence Vendor-02/13/2026_x000D_ |
Qualifying Credit Score - 743 Representative credit score
exceeds the minimum required credit score of 660 by 83 Points._x000D_ Months Reserves exceed minimum required - 47.09 months reserves exceed the required 3 months reserves by 44.09 months. |
Request 1_Version 2_Approved.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | VA | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | XXXXXXXXXXXX | ||||
| 6000104936 | XXXXXXXXXXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | TX | Investment | Purchase | NA | ||||||||||||||||||||
| 6000104926 | XXXXXXXXXXXX | D | B | D | B | A | A | A | A | Closed | FCRE5116 | 2025-12-17 11:30 | 2026-02-13 13:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved- - Due Diligence Vendor-02/13/2026 _x000D_ Acknowledged-Lender acknowledge the credit report supplemental summary with the mortgage holder contact information confirming 0x30x24 is acceptable. - Due Diligence Vendor-02/13/2026 _x000D_ Ready for Review-We disagree with the finding. The credit supplement was provided shows the mortgage history was verified with lender. We agreed this was acceptable since would be same as an institutional VOM. - Buyer-12/19/2025 _x000D_ Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 12 months proof of payment via cancelled checks, bank debits, or institutional VOM for borrower's mortgage history was not provided. - Due Diligence Vendor-12/17/2025 |
Acknowledged-Lender acknowledge the credit report supplemental
summary with the mortgage holder contact information confirming 0x30x24 is
acceptable. - Due Diligence Vendor-02/13/2026_x000D_ |
Months Reserves exceed minimum required - 133.89 months reserves
exceeds the required 3 months reserves by 130.89 months._x000D_ Qualifying Credit Score - 791 Representative credit score exceeds the minimum required credit score of 720 by 71 Points. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | TN | Investment | Purchase | NA | XXXXXXXXXXXX | |||||||
| 6000104926 | XXXXXXXXXXXX | D | B | D | B | A | A | A | A | Closed | FCRE1152 | 2025-12-18 10:59 | 2025-12-19 15:04 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Evidence of Property Tax Missing | Acknowledged-Lender acknowledged missing documentation. Lender states using 1.5% of the sales
prices for calculation of the taxes would result in a DSCR Ratio of 1.04%,
which is within guidelines. - Due Diligence Vendor-12/19/2025 _x000D_ Ready for Review-We agree there is no documentation to support the current tax amount used on the CD. However, using the sales price of $XXXXX at 1.5% adjusts the DSCR Ration to 1.04 - which does not impact guidelines. We agree with the 1.04 ratio. - Buyer-12/19/2025 _x000D_ Open-Property taxes estimates for new construction require calculation using 1.25% of value. Use of other property tax rates are allowed provided the tax rates are documented in the file. Documentation to support tax rate on full tax assessment was not located in file. - Due Diligence Vendor-12/18/2025 |
Acknowledged-Lender acknowledged missing documentation. Lender states using 1.5% of the sales
prices for calculation of the taxes would result in a DSCR Ratio of 1.04%,
which is within guidelines. - Due Diligence Vendor-12/19/2025_x000D_ |
Months Reserves exceed minimum required - 133.89 months reserves
exceeds the required 3 months reserves by 130.89 months._x000D_ Qualifying Credit Score - 791 Representative credit score exceeds the minimum required credit score of 720 by 71 Points. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | TN | Investment | Purchase | NA | Investor Post-Close | No | XXXXXXXXXXXX | |||||
| 6000104927 | XXXXXXXXXXXX | D | B | D | B | A | A | A | A | Closed | FCRE5116 | 2025-12-17 13:42 | 2026-02-13 13:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved- - Due Diligence Vendor-02/13/2026 _x000D_ Acknowledged-Lender acknowledge the credit report supplemental summary with the mortgage history showing 0x30x24 was acceptable. - Due Diligence Vendor-02/13/2026 _x000D_ Ready for Review-We disagree with the finding. The credit supplement was provided shows the mortgage history was verified with lender. We agreed this was acceptable since would be same as an institutional VOM. - Buyer-12/19/2025 _x000D_ Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Housing payment history must be evidenced by 12 months proof of payment via cancelled checks, bank debits or institutional VOM. Documentation was not provided. - Due Diligence Vendor-12/17/2025 |
Acknowledged-Lender acknowledge the credit report supplemental
summary with the mortgage history showing 0x30x24 was acceptable. - Due
Diligence Vendor-02/13/2026_x000D_ |
Months Reserves exceed minimum required - 133.66 months reserves
exceed the required 3 months reserves by 130.66 months._x000D_ Qualifying Credit Score - 791 Representative credit score exceeds the minimum required credit score of 720 by 71 Points. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | TN | Investment | Purchase | NA | XXXXXXXXXXXX | |||||||
| 6000104927 | XXXXXXXXXXXX | D | B | D | B | A | A | A | A | Closed | FCRE1253 | 2025-12-18 11:01 | 2025-12-19 15:05 | Acknowledged | 2 - Non-Material | D | B | Credit | Eligibility | Missing Property Tax Cert | Acknowledged-Lender acknowledge missing documentation. Lender indicates using the sales price and
1.5% for calculation of taxes would result in a DSCR Ratio of 1.04%, which is
within guidelines. - Due Diligence Vendor-12/19/2025 _x000D_ Ready for Review-We agree there is no documentation to support the current tax amount used on the CD. However, using the sales price of $XXXXX,XXXX at 1.5% adjusts the DSCR Ration to 1.04 - which does not impact guidelines. We agree with the 1.04 ratio. - Buyer-12/19/2025 _x000D_ Open-Property taxes estimates for new construction require calculation using 1.25% of value. Use of other property tax rates are allowed provided the tax rates are documented in the file. Documentation to support tax rate on full tax assessment was not located in file. - Due Diligence Vendor-12/18/2025 |
Acknowledged-Lender acknowledge missing documentation. Lender indicates using the sales price and
1.5% for calculation of taxes would result in a DSCR Ratio of 1.04%, which is
within guidelines. - Due Diligence Vendor-12/19/2025_x000D_ |
Months Reserves exceed minimum required - 133.66 months reserves
exceed the required 3 months reserves by 130.66 months._x000D_ Qualifying Credit Score - 791 Representative credit score exceeds the minimum required credit score of 720 by 71 Points. |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | TN | Investment | Purchase | NA | Investor Post-Close | No | XXXXXXXXXXXX | |||||
| 6000104939 | XXXXXXXXXXXX | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2025-12-30 17:31 | 2026-02-13 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved- - Due Diligence Vendor-02/13/2026 _x000D_ Acknowledged-Client provided and accepted credit report supplement showing mortgage history 0x30x24. - Due Diligence Vendor-02/13/2026 _x000D_ Ready for Review-We disagree with the finding. The credit supplement was provided shows the mortgage history was verified with lender and not one where only relying on reported tradeline info. We confirmed this was acceptable since would be same as an institutional VOM. - Buyer-01/12/2026 _x000D_ Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage or canceled checks is missing as required by guidelines. - Due Diligence Vendor-12/30/2025 |
Acknowledged-Client provided and accepted credit report
supplement showing mortgage history 0x30x24. - Due Diligence
Vendor-02/13/2026_x000D_ |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | SC | Investment | Purchase | NA | XXXXXXXXXXXX | ||||||||
| 6000104910 | XXXXXXXXXXXX | B | B | B | B | A | A | A | A | Closed | FCRE5116 | 2026-01-05 12:53 | 2026-01-05 15:51 | Acknowledged | 2 - Non-Material | B | B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. Per guidelines, mortgage payment history must be verified with 12 months proof payment via cancelled checks, bank debits or institutional VOM. The file contains an approved exception for mortgage payment history of 0x30x24 on credit report. - Due Diligence Vendor-02/13/2026 | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is Missing. Verification of Mortgage (VOM) Document is
Missing. Per guidelines, mortgage payment history must be verified with 12
months proof payment via cancelled checks, bank debits or institutional
VOM. The file contains an approved
exception for mortgage payment history of 0x30x24 on credit report. - Due
Diligence Vendor-02/13/2026_x000D_ |
0 X30 X 24 Mortgage History, FICO 20 points above minimum, Reserves > 6 mos than requirement, Residual Income $1,000 above minimum | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | OK | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | XXXXXXXXXXXX | |||||
| 6000104940 | XXXXXXXXXXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | TX | Investment | Purchase | NA | ||||||||||||||||||||
| 6000104941 | XXXXXXXXXXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | TX | Investment | Purchase | NA | ||||||||||||||||||||
| 6000104937 | XXXXXXXXXXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | NC | Investment | Purchase | NA | ||||||||||||||||||||
| 6000104931 | XXXXXXXXXXXX | C | B | C | B | A | A | A | A | Closed | FCRE1317 | 2026-05-05 17:05 | 2026-05-06 12:11 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater
Than or Equal To 24 Months or Not Applicable (Borrower 1 Employment Status is
null) - Due Diligence Vendor-05/06/2026 _x000D_ Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-05/05/2026 |
Resolved-Borrower 1 Total Years Employment Verified is Greater
Than or Equal To 24 Months or Not Applicable (Borrower 1 Employment Status is
null) - Due Diligence Vendor-05/06/2026_x000D_ |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | VA | Investment | Purchase | NA | XXXXXXXXXXXX | ||||||||
| 6000104931 | XXXXXXXXXXXX | C | B | C | B | A | A | A | A | Closed | FCRE6277 | 2026-05-05 17:05 | 2026-05-06 12:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Years on the job does not meet guideline requirements - Borrower 1 | Resolved-Years on the job does not meet guideline requirements -
Borrower 1 - Due Diligence Vendor-05/06/2026 _x000D_ Open-Years on the job does not meet guideline requirements - Borrower 1 - Due Diligence Vendor-05/05/2026 |
Resolved-Years on the job does not meet guideline requirements -
Borrower 1 - Due Diligence Vendor-05/06/2026_x000D_ |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | VA | Investment | Purchase | NA | XXXXXXXXXXXX | ||||||||
| 6000104931 | XXXXXXXXXXXX | C | B | C | B | A | A | A | A | Closed | FCRE5116 | 2026-01-05 11:33 | 2026-01-05 12:40 | Acknowledged | 2 - Non-Material | B | B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines dated xxxxxx, housing payment history must be documented with 12 months cancelled checks, bank debts or institutional VOM. An approved exception located in file to allow the credit report mortgage history of 0x30x24 - Due Diligence Vendor-02/13/2026 | Acknowledged-Verification of Rent (VOR)/Verification of Mortgage
(VOM) Document is Missing. Per guidelines dated xxxxxx, housing payment
history must be documented with 12 months cancelled checks, bank debts or
institutional VOM. An approved
exception located in file to allow the credit report mortgage history of
0x30x24 - Due Diligence Vendor-02/13/2026_x000D_ |
FICO 20 points above minimum, reserves > 6 mos than requirement, LTV 10% under max allowance | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | VA | Investment | Purchase | NA | Investor Post-Close | No | XXXXXXXXXXXX | |||||
| 6000104915 | XXXXXXXXXXXX | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXXXXXXXX | NC | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 6000104933 | XXXXXXXXXXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXXXXXXXXXX | AZ | Investment | Refinance | Cash Out - Other |